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%)
CIXX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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 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
With a decent Return On Assets value of 4.66%, CIXX is doing good in the industry, outperforming 70.19% of the companies in the same industry.
Looking at the Return On Equity, with a value of 26.09%, CIXX belongs to the top of the industry, outperforming 87.98% of the companies in the same industry.
CIXX's Return On Invested Capital of 10.69% is amongst the best of 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.
In the last couple of years the Profit Margin of CIXX has declined.
The Operating Margin of CIXX (34.82%) is comparable to the rest of the industry.
CIXX's Operating Margin has declined in the last couple of years.
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
CIXX has less shares outstanding than it did 1 year ago.
CIXX has a worse debt/assets ratio than last year.
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.
With a Altman-Z score value of 0.63, CIXX perfoms like the industry average, outperforming 43.75% of the companies in the same industry.
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.
CIXX has a Debt to FCF ratio of 7.37. This is in the better half of the industry: CIXX outperforms 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.
The Debt to Equity ratio of CIXX (2.23) is worse than 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
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.
A Quick Ratio of 0.60 indicates that CIXX may have some problems paying its short term obligations.
With a Quick ratio value of 0.60, CIXX is not doing good in the industry: 70.19% of the companies in the same industry are doing better.
| 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.
Measured over the past years, CIXX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.63% on average per year.
Looking at the last year, CIXX shows a small growth in Revenue. The Revenue has grown by 5.79% in the last year.
Measured over the past years, CIXX shows a small growth in Revenue. The Revenue has been growing by 6.96% on average per year.
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
CIXX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.42% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.72, the valuation of CIXX can be described as very cheap.
CIXX's Price/Earnings ratio is rather cheap when compared to the industry. CIXX is cheaper than 95.19% of the companies in the same industry.
CIXX is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.58, the valuation of CIXX can be described as very cheap.
96.15% of the companies in the same industry are more expensive than CIXX, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CIXX to the average of the S&P500 Index (32.68), we can say CIXX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CIXX is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, CIXX is valued 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.
Compared to an average industry Dividend Yield of 8.39, CIXX has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, CIXX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
5.2 History
The dividend of CIXX decreases each year by -16.52%.
CIXX has been paying a dividend for less than 5 years, so it still needs to build a track record.
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
Revenue(TTM)2.58B
Net Income(TTM)432.94M
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
Graham NumberN/A
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
ROICexgc growth 3YN/A
ROICexgc 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%
CI FINANCIAL CORP / CIXX FAQ
What is the fundamental rating for CIXX stock?
ChartMill assigns a fundamental rating of 3 / 10 to CIXX.
What is the valuation status of CI FINANCIAL CORP (CIXX) stock?
ChartMill assigns a valuation rating of 6 / 10 to CI FINANCIAL CORP (CIXX). This can be considered as Fairly Valued.
Can you provide the profitability details for CI FINANCIAL CORP?
CI FINANCIAL CORP (CIXX) has a profitability rating of 5 / 10.
How financially healthy is CI FINANCIAL CORP?
The financial health rating of CI FINANCIAL CORP (CIXX) is 1 / 10.
Can you provide the expected EPS growth for CIXX stock?
The Earnings per Share (EPS) of CI FINANCIAL CORP (CIXX) is expected to grow by 0.39% in the next year.