CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
23 CAD
+0.61 (+2.72%)
CXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. CXI is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. CXI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CXI had positive earnings in the past year.
In the past year CXI has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: CXI reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: CXI reported negative operating cash flow in multiple years.
1.2 Ratios
CXI has a Return On Assets (3.18%) which is comparable to the rest of the industry.
CXI has a Return On Equity of 5.04%. This is comparable to the rest of the industry: CXI outperforms 50.00% of its industry peers.
CXI has a better Return On Invested Capital (8.20%) than 83.33% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CXI is below the industry average of 10.39%.
The last Return On Invested Capital (8.20%) for CXI is above the 3 year average (8.03%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.18% | ||
| ROE | 5.04% | ||
| ROIC | 8.2% |
ROA(3y)6.33%
ROA(5y)1.59%
ROE(3y)10.99%
ROE(5y)3.28%
ROIC(3y)8.03%
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 5.27%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
CXI's Profit Margin has declined in the last couple of years.
CXI's Operating Margin of 19.91% is fine compared to the rest of the industry. CXI outperforms 66.67% of its industry peers.
CXI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.91% | ||
| PM (TTM) | 5.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y5.24%
PM growth 3YN/A
PM growth 5Y-16.12%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CXI is destroying value.
The number of shares outstanding for CXI has been reduced compared to 1 year ago.
Compared to 5 years ago, CXI has less shares outstanding
CXI has a better debt/assets ratio than last year.
2.2 Solvency
CXI has an Altman-Z score of 3.44. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.44, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that CXI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.06, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.44 |
ROIC/WACC0.89
WACC9.18%
2.3 Liquidity
A Current Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
CXI has a better Current ratio (2.84) than 100.00% of its industry peers.
A Quick Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.84, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 |
3. Growth
3.1 Past
The earnings per share for CXI have decreased strongly by -43.06% in the last year.
Measured over the past years, CXI shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.90% on average per year.
CXI shows a decrease in Revenue. In the last year, the revenue decreased by -7.00%.
The Revenue has been growing by 15.33% on average over the past years. This is quite good.
EPS 1Y (TTM)-43.06%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
Revenue 1Y (TTM)-7%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
3.2 Future
Based on estimates for the next years, CXI will show a very strong growth in Earnings Per Share. The EPS will grow by 26.73% on average per year.
Based on estimates for the next years, CXI will show a decrease in Revenue. The Revenue will decrease by -7.39% on average per year.
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-16.55%
Revenue Next 2Y-7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.69, which indicates a correct valuation of CXI.
CXI's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.54. CXI is valued slightly cheaper when compared to this.
CXI is valuated reasonably with a Price/Forward Earnings ratio of 8.51.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a somewhat cheap valuation: CXI is cheaper than 66.67% of the companies listed in the same industry.
CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.88 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CXI's earnings are expected to grow with 26.73% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y26.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:CXI (12/12/2025, 7:00:00 PM)
23
+0.61 (+2.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners10.02%
Inst Owner ChangeN/A
Ins Owners27.57%
Ins Owner ChangeN/A
Market Cap140.99M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (33.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)0%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)40.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 8.51 | ||
| P/S | 1.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.22 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 0.88 |
EPS(TTM)1.68
EY7.3%
EPS(NY)2.7
Fwd EY11.76%
FCF(TTM)-2.87
FCFYN/A
OCF(TTM)-2.42
OCFYN/A
SpS18.03
BVpS18.87
TBVpS18.05
PEG (NY)0.2
PEG (5Y)N/A
Graham Number26.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.18% | ||
| ROE | 5.04% | ||
| ROCE | 16.62% | ||
| ROIC | 8.2% | ||
| ROICexc | 136.37% | ||
| ROICexgc | 368.77% | ||
| OM | 19.91% | ||
| PM (TTM) | 5.27% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)6.33%
ROA(5y)1.59%
ROE(3y)10.99%
ROE(5y)3.28%
ROIC(3y)8.03%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)17.98%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5Y5.24%
PM growth 3YN/A
PM growth 5Y-16.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.24 | ||
| Cap/Depr | 54.43% | ||
| Cap/Sales | 2.51% | ||
| Interest Coverage | 14.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 | ||
| Altman-Z | 3.44 |
F-Score4
WACC9.18%
ROIC/WACC0.89
Cap/Depr(3y)48.53%
Cap/Depr(5y)34.74%
Cap/Sales(3y)2.16%
Cap/Sales(5y)2.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-43.06%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
Revenue Next Year-16.55%
Revenue Next 2Y-7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.6%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year38.36%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-214.88%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y-188.16%
OCF growth 3Y49.32%
OCF growth 5Y19.49%
CURRENCY EXCHANGE INTERNATIO / CXI.CA FAQ
What is the ChartMill fundamental rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CXI.CA.
What is the valuation status of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?
ChartMill assigns a valuation rating of 5 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.
What is the profitability of CXI stock?
CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 4 / 10.
What is the valuation of CURRENCY EXCHANGE INTERNATIO based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CURRENCY EXCHANGE INTERNATIO (CXI.CA) is 13.69 and the Price/Book (PB) ratio is 1.22.
What is the earnings growth outlook for CURRENCY EXCHANGE INTERNATIO?
The Earnings per Share (EPS) of CURRENCY EXCHANGE INTERNATIO (CXI.CA) is expected to grow by 68.89% in the next year.