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CI FINANCIAL CORP (CIXX) Stock Fundamental Analysis

USA - NYSE:CIXX - CA1254911003 - Common Stock

11.42 USD
-0.08 (-0.7%)
Last: 1/19/2023, 8:14:15 PM
11.35 USD
-0.07 (-0.61%)
After Hours: 1/19/2023, 8:14:15 PM
Fundamental Rating

4

Overall CIXX gets a fundamental rating of 4 out of 10. We evaluated CIXX against 237 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 has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

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4

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.
CIXX Yearly Net Income VS EBIT VS OCF VS FCFCIXX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

1.2 Ratios

CIXX has a Return On Assets of 4.66%. This is in the better half of the industry: CIXX outperforms 70.19% of its industry peers.
CIXX has a better Return On Equity (26.09%) than 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 RankSector 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
CIXX Yearly ROA, ROE, ROICCIXX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 10 20 30 40

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.
Looking at the Operating Margin, with a value of 34.82%, CIXX is in line with its industry, outperforming 55.29% of the companies in the same industry.
CIXX's Operating Margin has declined in the last couple of years.
The Gross Margin of CIXX (83.80%) is better than 82.21% of its industry peers.
In the last couple of years the Gross Margin of CIXX has declined.
Industry RankSector 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%
CIXX Yearly Profit, Operating, Gross MarginsCIXX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 20 40 60 80

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2

2. Health

2.1 Basic Checks

The number of shares outstanding for CIXX has been reduced compared to 1 year ago.
CIXX has a worse debt/assets ratio than last year.
CIXX Yearly Shares OutstandingCIXX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M
CIXX Yearly Total Debt VS Total AssetsCIXX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2B 4B 6B 8B

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 has a Altman-Z score of 0.63. This is comparable to the rest of the industry: CIXX outperforms 43.75% of its industry peers.
The Debt to FCF ratio of CIXX is 7.37, which is on the high side as it means it would take CIXX, 7.37 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CIXX (7.37) is better than 68.75% of its industry peers.
A Debt/Equity ratio of 2.23 is on the high side and indicates that CIXX has dependencies on debt financing.
With a Debt to Equity ratio value of 2.23, CIXX is not doing good in the industry: 82.21% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.23
Debt/FCF 7.37
Altman-Z 0.63
ROIC/WACCN/A
WACCN/A
CIXX Yearly LT Debt VS Equity VS FCFCIXX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.3 Liquidity

A Current Ratio of 0.60 indicates that CIXX may have some problems paying its short term obligations.
CIXX has a Current ratio of 0.60. This is in the lower half of the industry: CIXX underperforms 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 RankSector Rank
Current Ratio 0.6
Quick Ratio 0.6
CIXX Yearly Current Assets VS Current LiabilitesCIXX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 500M 1B 1.5B 2B 2.5B

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3

3. Growth

3.1 Past

CIXX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.12%, which is quite good.
The Earnings Per Share has been growing by 9.63% on average over the past years. This is quite good.
Looking at the last year, CIXX shows a small growth in Revenue. The Revenue has grown by 5.79% in the last year.
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

The Earnings Per Share is expected to grow by 2.42% on average over the next years.
The Revenue is expected to decrease by -2.04% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
CIXX Yearly Revenue VS EstimatesCIXX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B 2.5B
CIXX Yearly EPS VS EstimatesCIXX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

CIXX is valuated cheaply with a Price/Earnings ratio of 4.72.
Compared to the rest of the industry, the Price/Earnings ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 95.19% of the companies listed in the same industry.
CIXX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
The Price/Forward Earnings ratio is 4.58, which indicates a rather cheap valuation of CIXX.
96.15% of the companies in the same industry are more expensive than CIXX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.77, CIXX is valued rather cheaply.
Industry RankSector Rank
PE 4.72
Fwd PE 4.58
CIXX Price Earnings VS Forward Price EarningsCIXX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 84.62% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 86.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.99
EV/EBITDA 6.36
CIXX Per share dataCIXX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 -20

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CIXX does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.01
PEG (5Y)0.49
EPS Next 2Y3.16%
EPS Next 3Y4.47%

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5

5. Dividend

5.1 Amount

CIXX has a Yearly Dividend Yield of 4.53%, which is a nice return.
Compared to an average industry Dividend Yield of 7.96, CIXX has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, CIXX pays a better dividend.
Industry RankSector 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
CIXX Yearly Dividends per shareCIXX Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 0.2 0.4 0.6

5.3 Sustainability

CIXX pays out 32.44% of its income as dividend. This is a sustainable payout ratio.
DP32.44%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
CIXX Yearly Income VS Free CF VS DividendCIXX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M
CIXX Dividend Payout.CIXX Dividend Payout, showing the Payout Ratio.CIXX Dividend Payout.PayoutRetained Earnings

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CI FINANCIAL CORP

NYSE:CIXX (1/19/2023, 8:14:15 PM)

After market: 11.35 -0.07 (-0.61%)

11.42

-0.08 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-10 2022-11-10/bmo
Earnings (Next)02-20 2023-02-20
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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%