CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
22.44 CAD
+0.27 (+1.22%)
Taking everything into account, CXI scores 4 out of 10 in our fundamental rating. CXI was compared to 8 industry peers in the Consumer Finance industry. CXI has a great financial health rating, but its profitability evaluates not so good. CXI has a valuation in line with the averages, but it does not seem to be growing.
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
The Return On Assets of CXI (3.18%) is worse than 62.50% of its industry peers.
CXI's Return On Equity of 5.04% is on the low side compared to the rest of the industry. CXI is outperformed by 62.50% of its industry peers.
CXI's Return On Invested Capital of 8.20% is amongst the best of the industry. CXI outperforms 87.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CXI is in line with the industry average of 8.74%.
The last Return On Invested Capital (8.20%) for CXI is above the 3 year average (8.03%), which is a sign of increasing profitability.
| 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 has a Profit Margin of 5.27%. This is in the lower half of the industry: CXI underperforms 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.
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 3.42 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI's Altman-Z score of 3.42 is amongst the best of the industry. CXI outperforms 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 | 3.42 |
ROIC/WACC1.02
WACC8.02%
2.3 Liquidity
CXI has a Current Ratio of 2.84. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
CXI has a better Current ratio (2.84) than 100.00% of its industry peers.
CXI has a Quick Ratio of 2.84. This indicates that CXI is financially healthy and has no problem in meeting 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
The earnings per share for CXI have decreased strongly by -43.06% in the last year.
The Earnings Per Share has been decreasing by -3.90% on average over the past years.
CXI shows a decrease in Revenue. In the last year, the revenue decreased by -7.00%.
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)-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
CXI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.73% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.28, the valuation of CXI can be described as correct.
CXI's Price/Earnings ratio is a bit more expensive when compared to the industry. CXI is more expensive than 62.50% 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 27.19.
A Price/Forward Earnings ratio of 8.25 indicates a reasonable valuation of CXI.
62.50% of the companies in the same industry are more expensive than CXI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.92. CXI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 8.25 |
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.79 |
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 26.73% in the coming years.
PEG (NY)0.19
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% |
TSX:CXI (1/9/2026, 7:00:00 PM)
22.44
+0.27 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners10.04%
Inst Owner ChangeN/A
Ins Owners27.63%
Ins Owner ChangeN/A
Market Cap137.56M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (36.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 8.25 | ||
| P/S | 1.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | 0.79 |
EPS(TTM)1.69
EY7.53%
EPS(NY)2.72
Fwd EY12.12%
FCF(TTM)-2.89
FCFYN/A
OCF(TTM)-2.44
OCFYN/A
SpS18.14
BVpS18.99
TBVpS18.16
PEG (NY)0.19
PEG (5Y)N/A
Graham Number26.87
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 | 3.42 |
F-Score4
WACC8.02%
ROIC/WACC1.02
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 Year37.52%
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 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.