CI FINANCIAL CORP (CIXX) Stock Fundamental Analysis
USA - NYSE:CIXX - CA1254911003 - Common Stock
11.42 USD
-0.08 (-0.7%)
11.35 USD
-0.07 (-0.61%)
We assign a fundamental rating of 4 out of 10 to CIXX. CIXX was compared to 239 industry peers in the Capital Markets industry. There are concerns on the financial health of CIXX while its profitability can be described as average. CIXX is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year CIXX was profitable.
In the past year CIXX had a positive cash flow from operations.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.66%, CIXX is in the better half of the industry, outperforming 70.19% of the companies in the same industry.
CIXX has a Return On Equity of 26.09%. This is amongst the best in the industry. CIXX outperforms 87.98% of its industry peers.
CIXX has a Return On Invested Capital of 10.69%. This is amongst the best in the industry. CIXX outperforms 82.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.66% | ||
| ROE | 26.09% | ||
| ROIC | 10.69% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CIXX (16.80%) is comparable to the rest of the industry.
CIXX's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 34.82%, CIXX perfoms like the industry average, outperforming 55.29% of the companies in the same industry.
In the last couple of years the Operating Margin of CIXX has declined.
CIXX's Gross Margin of 83.80% is amongst the best of the industry. CIXX outperforms 82.21% of its industry peers.
In the last couple of years the Gross Margin of CIXX has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 34.82% | ||
| PM (TTM) | 16.8% | ||
| GM | 83.8% |
OM growth 3Y-11.59%
OM growth 5Y-5.44%
PM growth 3Y-18.39%
PM growth 5Y-10.28%
GM growth 3Y-3.18%
GM growth 5Y-2%
2. Health
2.1 Basic Checks
Compared to 1 year ago, CIXX has less shares outstanding
Compared to 1 year ago, CIXX has a worse debt to assets ratio.
2.2 Solvency
CIXX has an Altman-Z score of 0.63. This is a bad value and indicates that CIXX is not financially healthy and even has some risk of bankruptcy.
CIXX's Altman-Z score of 0.63 is in line compared to the rest of the industry. CIXX outperforms 43.75% of its industry peers.
CIXX has a debt to FCF ratio of 7.37. This is a slightly negative value and a sign of low solvency as CIXX would need 7.37 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.37, CIXX is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
CIXX has a Debt/Equity ratio of 2.23. This is a high value indicating a heavy dependency on external financing.
CIXX's Debt to Equity ratio of 2.23 is on the low side compared to the rest of the industry. CIXX is outperformed by 82.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| Debt/FCF | 7.37 | ||
| Altman-Z | 0.63 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
CIXX has a Current Ratio of 0.60. This is a bad value and indicates that CIXX is not financially healthy enough and could expect problems in meeting its short term obligations.
CIXX's Current ratio of 0.60 is on the low side compared to the rest of the industry. CIXX is outperformed by 70.19% of its industry peers.
CIXX has a Quick Ratio of 0.60. This is a bad value and indicates that CIXX is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of CIXX (0.60) is worse than 70.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.12% over the past year.
The Earnings Per Share has been growing by 9.63% on average over the past years. This is quite good.
CIXX shows a small growth in Revenue. In the last year, the Revenue has grown by 5.79%.
The Revenue has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)9.12%
EPS 3Y9.29%
EPS 5Y9.63%
EPS Q2Q%-7.59%
Revenue 1Y (TTM)5.79%
Revenue growth 3Y6.83%
Revenue growth 5Y6.96%
Sales Q2Q%3.19%
3.2 Future
Based on estimates for the next years, CIXX will show a small growth in Earnings Per Share. The EPS will grow by 2.42% on average per year.
CIXX is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.04% yearly.
EPS Next Y0.39%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
EPS Next 5Y2.42%
Revenue Next Year-16.51%
Revenue Next 2Y-6.07%
Revenue Next 3Y-1.83%
Revenue Next 5Y-2.04%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.72, the valuation of CIXX can be described as very cheap.
95.19% of the companies in the same industry are more expensive than CIXX, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CIXX to the average of the S&P500 Index (27.40), we can say CIXX is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.58, the valuation of CIXX can be described as very cheap.
CIXX's Price/Forward Earnings ratio is rather cheap when compared to the industry. CIXX is cheaper than 96.15% of the companies in the same industry.
CIXX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.58 |
4.2 Price Multiples
CIXX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CIXX is cheaper than 84.62% of the companies in the same industry.
CIXX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CIXX is cheaper than 86.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.99 | ||
| EV/EBITDA | 6.36 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.01
PEG (5Y)0.49
EPS Next 2Y3.16%
EPS Next 3Y4.47%
5. Dividend
5.1 Amount
CIXX has a Yearly Dividend Yield of 4.53%, which is a nice return.
CIXX's Dividend Yield is comparable with the industry average which is at 8.49.
CIXX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
5.2 History
The dividend of CIXX decreases each year by -16.52%.
CIXX has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-16.52%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
32.44% of the earnings are spent on dividend by CIXX. This is a low number and sustainable payout ratio.
DP32.44%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
11.42
-0.08 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners41.25%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.10B
Analysts76.67
Price Target14.24 (24.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
Yearly Dividend0.72
Dividend Growth(5Y)-16.52%
DP32.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.93%
Min EPS beat(2)-2.71%
Max EPS beat(2)-1.16%
EPS beat(4)2
Avg EPS beat(4)-0.8%
Min EPS beat(4)-2.71%
Max EPS beat(4)0.66%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.28%
Min Revenue beat(2)-1.56%
Max Revenue beat(2)1%
Revenue beat(4)1
Avg Revenue beat(4)-5.88%
Min Revenue beat(4)-20.5%
Max Revenue beat(4)1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.78%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.58 | ||
| P/S | 1.08 | ||
| P/FCF | 4.99 | ||
| P/OCF | 4.77 | ||
| P/B | 1.68 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.36 |
EPS(TTM)2.42
EY21.19%
EPS(NY)2.49
Fwd EY21.82%
FCF(TTM)2.29
FCFY20.05%
OCF(TTM)2.4
OCFY20.98%
SpS10.54
BVpS6.78
TBVpS-20.42
PEG (NY)12.01
PEG (5Y)0.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.66% | ||
| ROE | 26.09% | ||
| ROCE | N/A | ||
| ROIC | 10.69% | ||
| ROICexc | 11.17% | ||
| ROICexgc | N/A | ||
| OM | 34.82% | ||
| PM (TTM) | 16.8% | ||
| GM | 83.8% | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)14.38%
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y-21.84%
ROICexc growth 5Y-12.32%
OM growth 3Y-11.59%
OM growth 5Y-5.44%
PM growth 3Y-18.39%
PM growth 5Y-10.28%
GM growth 3Y-3.18%
GM growth 5Y-2%
F-Score6
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| Debt/FCF | 7.37 | ||
| Debt/EBITDA | 3.96 | ||
| Cap/Depr | 17.98% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 129.32% | ||
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 | ||
| Altman-Z | 0.63 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)46.28%
Cap/Depr(5y)70.92%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)122.01%
Profit Quality(5y)112.82%
High Growth Momentum
Growth
EPS 1Y (TTM)9.12%
EPS 3Y9.29%
EPS 5Y9.63%
EPS Q2Q%-7.59%
EPS Next Y0.39%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
EPS Next 5Y2.42%
Revenue 1Y (TTM)5.79%
Revenue growth 3Y6.83%
Revenue growth 5Y6.96%
Sales Q2Q%3.19%
Revenue Next Year-16.51%
Revenue Next 2Y-6.07%
Revenue Next 3Y-1.83%
Revenue Next 5Y-2.04%
EBIT growth 1Y12.63%
EBIT growth 3Y-5.55%
EBIT growth 5Y1.13%
EBIT Next Year12.35%
EBIT Next 3Y7.04%
EBIT Next 5Y2.77%
FCF growth 1Y-6.01%
FCF growth 3Y2.93%
FCF growth 5Y0.1%
OCF growth 1Y-5.76%
OCF growth 3Y3.07%
OCF growth 5Y0.34%