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

TSX:CXI • US23131B3078

Current stock price

24.89 CAD
+0.09 (+0.36%)
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.
  • In the past year CXI had a positive cash flow from operations.
  • CXI had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CXI 4 years had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 9.24%, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI's Return On Equity of 13.14% is fine compared to the rest of the industry. CXI outperforms 71.43% of its industry peers.
  • With an excellent Return On Invested Capital value of 14.86%, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CXI is above the industry average of 9.22%.
  • The 3 year average ROIC (13.10%) for CXI is below the current ROIC(14.86%), indicating increased profibility in the last year.
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

  • CXI's Profit Margin of 15.23% is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
  • CXI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CXI (25.30%) is better than 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

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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.
  • CXI has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CXI is higher compared to a year ago.
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

  • CXI has an Altman-Z score of 4.40. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
  • CXI has a better Altman-Z score (4.40) than 100.00% of its industry peers.
  • The Debt to FCF ratio of CXI is 0.27, which is an excellent value as it means it would take CXI, only 0.27 years of fcf income to pay off all of its debts.
  • CXI has a better Debt to FCF ratio (0.27) than 100.00% of its industry peers.
  • CXI has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • CXI has a better Debt to Equity ratio (0.05) than 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Altman-Z 4.4
ROIC/WACC1.63
WACC9.13%
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

  • A Current Ratio of 3.56 indicates that CXI has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 3.56, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI has a Quick Ratio of 3.56. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • CXI has a Quick ratio of 3.56. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
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

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

5

3. CXI.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 443.31% over the past year.
  • The Earnings Per Share has been decreasing by -1.83% on average over the past years.
  • CXI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.79%.
  • 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

  • CXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.85% yearly.
  • Based on estimates for the next years, CXI will show a small growth in Revenue. The Revenue will grow by 3.14% on average per year.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
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

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Find the best growth stocksShow best growing peers

6

4. CXI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.12, which indicates a very decent valuation of CXI.
  • CXI's Price/Earnings ratio is a bit cheaper when compared to the industry. CXI is cheaper than 71.43% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CXI to the average of the S&P500 Index (27.89), we can say CXI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.19, the valuation of CXI can be described as very reasonable.
  • CXI's Price/Forward Earnings ratio is in line with the industry average.
  • CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.12
Fwd PE 8.19
CXI.CA Price Earnings VS Forward Price EarningsCXI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 100.00% of the companies in the same industry are more expensive than CXI, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, CXI is valued cheaper than 85.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.82
EV/EBITDA 0.83
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

  • CXI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CXI.CA Fundamentals: All Metrics, Ratios and Statistics

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (4/17/2026, 7:00:00 PM)

24.89

+0.09 (+0.36%)

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 Cap147.85M
Revenue(TTM)72.42M
Net Income(TTM)11.03M
Analysts80
Price Target32.64 (31.14%)
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 10.12
Fwd PE 8.19
P/S 1.49
P/FCF 4.82
P/OCF 4.56
P/B 1.29
P/tB 1.35
EV/EBITDA 0.83
EPS(TTM)2.46
EY9.88%
EPS(NY)3.04
Fwd EY12.21%
FCF(TTM)5.17
FCFY20.76%
OCF(TTM)5.46
OCFY21.95%
SpS16.67
BVpS19.33
TBVpS18.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.7054 (31.4%)
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 4.4
F-Score8
WACC9.13%
ROIC/WACC1.63
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-21.43%
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 6 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.


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.