CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - TSX:CXI - US23131B3078 - Common Stock
21.8 CAD
-0.2 (-0.91%)
Taking everything into account, CXI scores 5 out of 10 in our fundamental rating. CXI was compared to 6 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for CXI as it has an excellent financial health rating, but there are worries on the profitability. CXI is not valued too expensively and it also shows a decent growth rate.
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.
In multiple years CXI reported negative net income over the last 5 years.
In multiple years CXI reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.99%, CXI is in line with its industry, outperforming 50.00% of the companies in the same industry.
CXI has a Return On Equity of 4.82%. This is comparable to the rest of the industry: CXI outperforms 50.00% of its industry peers.
CXI has a Return On Invested Capital of 6.59%. This is in the better half of the industry: CXI outperforms 66.67% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CXI is below the industry average of 10.16%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 4.82% | ||
| ROIC | 6.59% |
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
CXI has a Profit Margin of 4.73%. This is in the lower half of the industry: CXI underperforms 66.67% of its industry peers.
In the last couple of years the Profit Margin of CXI has declined.
The Operating Margin of CXI (17.33%) is better than 66.67% of its industry peers.
In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.33% | ||
| PM (TTM) | 4.73% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
An Altman-Z score of 3.28 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI's Altman-Z score of 3.28 is amongst the best of the industry. CXI outperforms 83.33% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that CXI is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.06, CXI belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.28 |
ROIC/WACC0.65
WACC10.18%
2.3 Liquidity
A Current Ratio of 3.58 indicates that CXI has no problem at all paying its short term obligations.
CXI's Current ratio of 3.58 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
A Quick Ratio of 3.58 indicates that CXI has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 3.58, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.58 | ||
| Quick Ratio | 3.58 |
3. Growth
3.1 Past
The earnings per share for CXI have decreased strongly by -75.23% in the last year.
The Earnings Per Share has been decreasing by -3.90% on average over the past years.
Looking at the last year, CXI shows a small growth in Revenue. The Revenue has grown by 4.01% in the last year.
CXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.33% yearly.
EPS 1Y (TTM)-75.23%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
Revenue 1Y (TTM)4.01%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
3.2 Future
CXI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.73% yearly.
CXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.39% yearly.
EPS Next Y20.04%
EPS Next 2Y21.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-23.15%
Revenue Next 2Y-7.39%
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.
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
Based on the Price/Earnings ratio of 12.98, the valuation of CXI can be described as correct.
Based on the Price/Earnings ratio, CXI is valued a bit cheaper than 66.67% of the companies in the same industry.
CXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
Based on the Price/Forward Earnings ratio of 8.77, the valuation of CXI can be described as reasonable.
Based on the Price/Forward Earnings ratio, CXI is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | 8.77 |
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 | 1.71 |
4.3 Compensation for Growth
CXI's 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 21.73% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y21.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (9/18/2025, 7:00:00 PM)
21.8
-0.2 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners9.06%
Inst Owner ChangeN/A
Ins Owners26.29%
Ins Owner ChangeN/A
Market Cap133.42M
Analysts80
Price Target30.6 (40.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)7.14%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-27.5%
EPS NY rev (3m)-27.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-25.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | 8.77 | ||
| P/S | 1.17 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 1.71 |
EPS(TTM)1.68
EY7.71%
EPS(NY)2.49
Fwd EY11.41%
FCF(TTM)-1.96
FCFYN/A
OCF(TTM)-1.32
OCFYN/A
SpS18.61
BVpS18.24
TBVpS17.44
PEG (NY)0.65
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 4.82% | ||
| ROCE | 13.35% | ||
| ROIC | 6.59% | ||
| ROICexc | 21.08% | ||
| ROICexgc | 23.58% | ||
| OM | 17.33% | ||
| PM (TTM) | 4.73% | ||
| 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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.29 | ||
| Cap/Depr | 75.06% | ||
| Cap/Sales | 3.41% | ||
| Interest Coverage | 133.62 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.58 | ||
| Quick Ratio | 3.58 | ||
| Altman-Z | 3.28 |
F-Score4
WACC10.18%
ROIC/WACC0.65
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)-75.23%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
EPS Next Y20.04%
EPS Next 2Y21.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.01%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
Revenue Next Year-23.15%
Revenue Next 2Y-7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.99%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year33.61%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-230.59%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y-175.96%
OCF growth 3Y49.32%
OCF growth 5Y19.49%