CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
24.29 CAD
+0.04 (+0.16%)
Overall CXI gets a fundamental rating of 4 out of 10. We evaluated CXI against 8 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
- In the past year CXI was profitable.
- CXI had a negative operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: CXI reported negative net income in multiple 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 3.18%, CXI is doing worse than 62.50% of the companies in the same industry.
- The Return On Equity of CXI (5.04%) is worse than 62.50% of its industry peers.
- CXI has a Return On Invested Capital of 8.20%. This is amongst the best in the industry. CXI outperforms 87.50% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CXI is in line with the industry average of 8.74%.
- 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 62.50% of its industry peers.
- CXI's Profit Margin has declined in the last couple of years.
- The Operating Margin of CXI (19.91%) is better than 75.00% 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 just above the Cost of Capital (WACC), so CXI is still 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 better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.55 indicates that CXI is not in any danger for bankruptcy at the moment.
- The Altman-Z score of CXI (3.55) is better than 100.00% of its industry peers.
- CXI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
- CXI has a Debt to Equity ratio of 0.06. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.55 |
ROIC/WACC1.01
WACC8.13%
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.
- With an excellent Quick ratio value of 2.84, CXI belongs to the best 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.
- 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%.
- Measured over the past years, CXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.33% on average per year.
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.
- The Revenue is expected to decrease by -7.39% on average over the next years.
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
- Based on the Price/Earnings ratio of 14.72, the valuation of CXI can be described as correct.
- 62.50% of the companies in the same industry are cheaper than CXI, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.60. CXI is valued slightly cheaper when compared to this.
- CXI is valuated reasonably with a Price/Forward Earnings ratio of 9.14.
- Based on the Price/Forward Earnings ratio, CXI is valued a bit cheaper than 62.50% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.72 | ||
| Fwd PE | 9.14 |
4.2 Price Multiples
- CXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CXI is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.33 |
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)0.21
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% |
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 for CXI stock?
ChartMill assigns a valuation rating of 5 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for CURRENCY EXCHANGE INTERNATIO?
CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 3 / 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 grow by 68.89% in the next year.