CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
22.19 CAD
+0.01 (+0.05%)
We assign a fundamental rating of 4 out of 10 to CXI. CXI was compared to 6 industry peers in the Consumer Finance industry. While CXI has a great health rating, there are worries on its profitability. CXI has a valuation in line with the averages, but on the other hand it scores bad on growth.
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
CXI has a worse Return On Assets (3.18%) than 66.67% of its industry peers.
With a Return On Equity value of 5.04%, CXI is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
CXI's Return On Invested Capital of 8.20% is amongst the best of the industry. CXI outperforms 83.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CXI is below the industry average of 10.39%.
The 3 year average ROIC (8.03%) for CXI is below the current ROIC(8.20%), indicating increased profibility in the last year.
| 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
CXI's Profit Margin of 5.27% is on the low side compared to the rest of the industry. CXI is outperformed by 66.67% of its industry peers.
In the last couple of years the Profit Margin of CXI has declined.
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
CXI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CXI has less shares outstanding
Compared to 5 years ago, CXI has less shares outstanding
Compared to 1 year ago, CXI has an improved debt to assets ratio.
2.2 Solvency
CXI has an Altman-Z score of 3.39. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
CXI has a Altman-Z score of 3.39. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
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 | 3.39 |
ROIC/WACC0.85
WACC9.66%
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 Current ratio of 2.84. This is amongst the best in the industry. CXI outperforms 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
CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.06%.
CXI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.90% yearly.
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.
CXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.39% yearly.
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
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
With a Price/Earnings ratio of 12.98, CXI is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as CXI.
When comparing the Price/Earnings ratio of CXI to the average of the S&P500 Index (26.15), we can say CXI is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.06, the valuation of CXI can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CXI is valued a bit cheaper than 66.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (36.12), we can say CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.67 |
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.
CXI's earnings are expected to grow with 26.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y26.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (11/25/2025, 7:00:00 PM)
22.19
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners9.9%
Inst Owner ChangeN/A
Ins Owners27.05%
Ins Owner ChangeN/A
Market Cap135.80M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (37.9%)
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)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 | 12.98 | ||
| Fwd PE | 8.06 | ||
| P/S | 1.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.15 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 0.67 |
EPS(TTM)1.71
EY7.71%
EPS(NY)2.75
Fwd EY12.4%
FCF(TTM)-2.93
FCFYN/A
OCF(TTM)-2.47
OCFYN/A
SpS18.38
BVpS19.24
TBVpS18.41
PEG (NY)0.19
PEG (5Y)N/A
Graham Number27.21
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 | 3.39 |
F-Score4
WACC9.66%
ROIC/WACC0.85
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 Year35.94%
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 4 / 10 to CXI.CA.
What is the valuation status of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?
ChartMill assigns a valuation rating of 6 / 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 3 / 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 12.98 and the Price/Book (PB) ratio is 1.15.
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.