CURRENCY EXCHANGE INTERNATIO (CXI.CA) Fundamental Analysis & Valuation

TSX:CXI • US23131B3078

Current stock price

23.6 CAD
-1.29 (-5.18%)
Last:

This CXI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. CXI.CA Profitability Analysis

1.1 Basic Checks

  • CXI had positive earnings in the past year.
  • CXI had a positive operating cash flow in the past year.
  • CXI had positive earnings in 4 of the past 5 years.
  • CXI had a positive operating cash flow in 4 of the past 5 years.
CXI.CA Yearly Net Income VS EBIT VS OCF VS FCFCXI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 9.24%, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.14%, CXI is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 14.86%, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI had an Average Return On Invested Capital over the past 3 years of 13.10%. This is above the industry average of 9.22%.
  • The last Return On Invested Capital (14.86%) for CXI is above the 3 year average (13.10%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.24%
ROE 13.14%
ROIC 14.86%
ROA(3y)6.04%
ROA(5y)5.28%
ROE(3y)9.39%
ROE(5y)8.64%
ROIC(3y)13.1%
ROIC(5y)N/A
CXI.CA Yearly ROA, ROE, ROICCXI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • With an excellent Profit Margin value of 15.23%, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI's Profit Margin has declined in the last couple of years.
  • CXI has a Operating Margin of 25.30%. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of CXI has grown nicely.
Industry RankSector Rank
OM 25.3%
PM (TTM) 15.23%
GM N/A
OM growth 3Y5.21%
OM growth 5YN/A
PM growth 3Y-7.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CXI.CA Yearly Profit, Operating, Gross MarginsCXI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. CXI.CA Health Analysis

2.1 Basic Checks

  • CXI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • CXI has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CXI has less shares outstanding
  • CXI has a worse debt/assets ratio than last year.
CXI.CA Yearly Shares OutstandingCXI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
CXI.CA Yearly Total Debt VS Total AssetsCXI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.2 Solvency

  • An Altman-Z score of 4.30 indicates that CXI is not in any danger for bankruptcy at the moment.
  • CXI's Altman-Z score of 4.30 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
  • CXI has a debt to FCF ratio of 0.27. This is a very positive value and a sign of high solvency as it would only need 0.27 years to pay back of all of its debts.
  • CXI has a better Debt to FCF ratio (0.27) than 100.00% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that CXI is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.05, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Altman-Z 4.3
ROIC/WACC1.62
WACC9.19%
CXI.CA Yearly LT Debt VS Equity VS FCFCXI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

2.3 Liquidity

  • CXI has a Current Ratio of 3.56. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • CXI has a Current ratio of 3.56. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
  • A Quick Ratio of 3.56 indicates that CXI has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 3.56, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.56
Quick Ratio 3.56
CXI.CA Yearly Current Assets VS Current LiabilitesCXI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CXI.CA Growth Analysis

3.1 Past

  • CXI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 443.31%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -1.83% on average over the past years.
  • The Revenue for CXI has decreased by -16.79% in the past year. This is quite bad
  • The Revenue has been growing by 23.70% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)443.31%
EPS 3Y-1.83%
EPS 5YN/A
EPS Q2Q%88.24%
Revenue 1Y (TTM)-16.79%
Revenue growth 3Y3.01%
Revenue growth 5Y23.7%
Sales Q2Q%-22.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.85% on average over the next years.
  • The Revenue is expected to grow by 3.14% on average over the next years.
EPS Next Y-2.94%
EPS Next 2Y3.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.25%
Revenue Next 2Y3.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CXI.CA Yearly Revenue VS EstimatesCXI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
CXI.CA Yearly EPS VS EstimatesCXI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

More info and screens

Find the best growth stocksShow best growing peers

7

4. CXI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.59, which indicates a very decent valuation of CXI.
  • Based on the Price/Earnings ratio, CXI is valued a bit cheaper than 71.43% of the companies in the same industry.
  • CXI is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • CXI is valuated cheaply with a Price/Forward Earnings ratio of 7.77.
  • CXI's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (22.24), we can say CXI is valued rather cheaply.
Industry RankSector Rank
PE 9.59
Fwd PE 7.77
CXI.CA Price Earnings VS Forward Price EarningsCXI.CA 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 CXI indicates a rather cheap valuation: CXI is cheaper than 100.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CXI is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.57
EV/EBITDA 0.57
CXI.CA Per share dataCXI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of CXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.85%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CXI.CA Dividend Analysis

5.1 Amount

  • No dividends for CXI!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CXI.CA Fundamentals: All Metrics, Ratios and Statistics

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (4/23/2026, 7:00:00 PM)

23.6

-1.29 (-5.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-11
Earnings (Next)06-09
Inst Owners10.4%
Inst Owner ChangeN/A
Ins Owners28.35%
Ins Owner ChangeN/A
Market Cap140.18M
Revenue(TTM)72.42M
Net Income(TTM)11.03M
Analysts80
Price Target32.64 (38.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-12.28%
Min EPS beat(2)-17.75%
Max EPS beat(2)-6.81%
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)1
Avg Revenue beat(2)-2.49%
Min Revenue beat(2)-5.76%
Max Revenue beat(2)0.78%
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)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-5.26%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.28%
Revenue NY rev (3m)-1.48%
Valuation
Industry RankSector Rank
PE 9.59
Fwd PE 7.77
P/S 1.42
P/FCF 4.57
P/OCF 4.32
P/B 1.22
P/tB 1.28
EV/EBITDA 0.57
EPS(TTM)2.46
EY10.42%
EPS(NY)3.04
Fwd EY12.87%
FCF(TTM)5.17
FCFY21.89%
OCF(TTM)5.46
OCFY23.15%
SpS16.67
BVpS19.32
TBVpS18.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.7032 (38.57%)
Profitability
Industry RankSector Rank
ROA 9.24%
ROE 13.14%
ROCE 20.27%
ROIC 14.86%
ROICexc N/A
ROICexgc N/A
OM 25.3%
PM (TTM) 15.23%
GM N/A
FCFM 31%
ROA(3y)6.04%
ROA(5y)5.28%
ROE(3y)9.39%
ROE(5y)8.64%
ROIC(3y)13.1%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.76%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y5.21%
OM growth 5YN/A
PM growth 3Y-7.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Debt/EBITDA 0.21
Cap/Depr 36.32%
Cap/Sales 1.78%
Interest Coverage 15.72
Cash Conversion 108.55%
Profit Quality 203.49%
Current Ratio 3.56
Quick Ratio 3.56
Altman-Z 4.3
F-Score8
WACC9.19%
ROIC/WACC1.62
Cap/Depr(3y)53.13%
Cap/Depr(5y)39.84%
Cap/Sales(3y)2.66%
Cap/Sales(5y)2.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)443.31%
EPS 3Y-1.83%
EPS 5YN/A
EPS Q2Q%88.24%
EPS Next Y-2.94%
EPS Next 2Y3.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.79%
Revenue growth 3Y3.01%
Revenue growth 5Y23.7%
Sales Q2Q%-22.48%
Revenue Next Year1.25%
Revenue Next 2Y3.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.54%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-21.42%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.54%
FCF growth 3Y-17.28%
FCF growth 5YN/A
OCF growth 1Y-26.57%
OCF growth 3Y-15.47%
OCF growth 5YN/A

CURRENCY EXCHANGE INTERNATIO / CXI.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?

ChartMill assigns a fundamental rating of 7 / 10 to CXI.CA.


What is the valuation status for CXI stock?

ChartMill assigns a valuation rating of 7 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Undervalued.


How profitable is CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?

CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 7 / 10.


How financially healthy is CURRENCY EXCHANGE INTERNATIO?

The financial health rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) is 9 / 10.


What is the expected EPS growth for CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?

The Earnings per Share (EPS) of CURRENCY EXCHANGE INTERNATIO (CXI.CA) is expected to decline by -2.94% in the next year.