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

TSX:CXI • US23131B3078

Current stock price

24.7 CAD
-0.3 (-1.2%)
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

  • In the past year CXI was profitable.
  • 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

  • Looking at the Return On Assets, with a value of 9.24%, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.14%, CXI is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • CXI has a Return On Invested Capital of 14.86%. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
  • CXI had an Average Return On Invested Capital over the past 3 years of 13.10%. This is above the industry average of 9.22%.
  • The last Return On Invested Capital (14.86%) for CXI is above the 3 year average (13.10%), which is a sign of increasing profitability.
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 has a better Profit Margin (15.23%) than 100.00% of its industry peers.
  • CXI's Profit Margin has declined in the last couple of years.
  • CXI has a better Operating Margin (25.30%) 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CXI 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 4.39. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.39, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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's Debt to Equity ratio of 0.05 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Altman-Z 4.39
ROIC/WACC1.61
WACC9.26%
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

  • CXI has a Current Ratio of 3.56. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • CXI has a Current ratio of 3.56. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
  • 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 better Quick ratio (3.56) than 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.
  • The Revenue for CXI has decreased by -16.79% in the past year. This is quite bad
  • Measured over the past years, CXI shows a very strong growth in Revenue. The Revenue has been growing by 23.70% on average per year.
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

  • Based on estimates for the next years, CXI will show a small growth in Earnings Per Share. The EPS will grow by 3.85% on average per year.
  • The Revenue is expected to grow by 3.14% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • CXI is valuated reasonably with a Price/Earnings ratio of 10.04.
  • CXI's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of CXI to the average of the S&P500 Index (26.51), we can say CXI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.13 indicates a reasonable valuation of CXI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (21.41), we can say CXI is valued rather cheaply.
Industry RankSector Rank
PE 10.04
Fwd PE 8.13
CXI.CA Price Earnings VS Forward Price EarningsCXI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 85.71% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.78
EV/EBITDA 0.79
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

  • CXI has a very decent profitability rating, which 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

  • No dividends for CXI!.
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 (5/1/2026, 7:00:00 PM)

24.7

-0.3 (-1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)03-11
Earnings (Next)06-09
Inst Owners10.4%
Inst Owner ChangeN/A
Ins Owners28.35%
Ins Owner ChangeN/A
Market Cap146.72M
Revenue(TTM)72.42M
Net Income(TTM)11.03M
Analysts80
Price Target32.64 (32.15%)
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)0%
Revenue NY rev (3m)-1.48%
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 8.13
P/S 1.48
P/FCF 4.78
P/OCF 4.52
P/B 1.28
P/tB 1.34
EV/EBITDA 0.79
EPS(TTM)2.46
EY9.96%
EPS(NY)3.04
Fwd EY12.3%
FCF(TTM)5.17
FCFY20.91%
OCF(TTM)5.46
OCFY22.11%
SpS16.66
BVpS19.32
TBVpS18.48
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.7002 (32.39%)
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 4.39
F-Score8
WACC9.26%
ROIC/WACC1.61
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-21.4%
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.