CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
TSX:CXI • US23131B3078
27.98 CAD
-0.24 (-0.85%)
Last: Feb 27, 2026, 07:00 PM
Overall CXI gets a fundamental rating of 6 out of 10. We evaluated CXI against 8 industry peers in the Consumer Finance industry. CXI scores excellent points on both the profitability and health parts. This is a solid base for a good stock. CXI may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make CXI a good candidate for value investing.
1. Profitability
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.
- CXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CXI's Return On Assets of 8.53% is amongst the best of the industry. CXI outperforms 87.50% of its industry peers.
- Looking at the Return On Equity, with a value of 12.18%, CXI is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
- CXI has a Return On Invested Capital of 15.45%. 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 10.56%.
- The last Return On Invested Capital (15.45%) for CXI is above the 3 year average (13.10%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.53% | ||
| ROE | 12.18% | ||
| ROIC | 15.45% |
ROA(3y)6.04%
ROA(5y)5.28%
ROE(3y)9.39%
ROE(5y)8.64%
ROIC(3y)13.1%
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 13.42%, CXI is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of CXI has declined.
- CXI has a better Operating Margin (25.46%) than 87.50% of its industry peers.
- CXI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.46% | ||
| PM (TTM) | 13.42% | ||
| 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
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 worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 4.60 indicates that CXI is not in any danger for bankruptcy at the moment.
- CXI's Altman-Z score of 4.60 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
- CXI has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.42, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- A Debt/Equity ratio of 0.05 indicates that CXI is not too dependend on debt financing.
- The Debt to Equity ratio of CXI (0.05) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 4.6 |
ROIC/WACC1.75
WACC8.83%
2.3 Liquidity
- A Current Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
- CXI's Current ratio of 3.61 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
- A Quick Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 3.61, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.61 | ||
| Quick Ratio | 3.61 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 400.81% over the past year.
- Measured over the past years, CXI shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.26% on average per year.
- The Revenue has decreased by -9.80% in the past year.
- Measured over the past years, CXI shows a quite strong growth in Revenue. The Revenue has been growing by 10.53% on average per year.
EPS 1Y (TTM)400.81%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%28.57%
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-13.88%
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 -3.19% 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-7.02%
Revenue Next 3Y-3.19%
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 16.75, the valuation of CXI can be described as correct.
- Based on the Price/Earnings ratio, CXI is valued a bit more expensive than 62.50% of the companies in the same industry.
- CXI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
- Based on the Price/Forward Earnings ratio of 10.45, the valuation of CXI can be described as reasonable.
- 62.50% of the companies in the same industry are more expensive than CXI, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 10.45 |
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.
- 87.50% of the companies in the same industry are more expensive than CXI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.76 | ||
| EV/EBITDA | 1.4 |
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.
- CXI has a very decent profitability rating, which may justify a higher PE ratio.
- CXI's earnings are expected to grow with 26.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
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 (2/27/2026, 7:00:00 PM)
27.98
-0.24 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-21 2026-01-21/amc
Earnings (Next)03-10 2026-03-10
Inst Owners10.04%
Inst Owner ChangeN/A
Ins Owners27.63%
Ins Owner ChangeN/A
Market Cap166.76M
Revenue(TTM)76.89M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (16.65%)
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)1
Avg EPS beat(2)20.82%
Min EPS beat(2)-17.75%
Max EPS beat(2)59.38%
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)2
Avg Revenue beat(2)10.26%
Min Revenue beat(2)0.78%
Max Revenue beat(2)19.73%
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)6.67%
PT rev (3m)6.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 10.45 | ||
| P/S | 1.59 | ||
| P/FCF | 8.76 | ||
| P/OCF | 7.91 | ||
| P/B | 1.44 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 1.4 |
EPS(TTM)1.67
EY5.97%
EPS(NY)2.68
Fwd EY9.57%
FCF(TTM)3.19
FCFY11.42%
OCF(TTM)3.54
OCFY12.64%
SpS17.64
BVpS19.43
TBVpS18.59
PEG (NY)0.24
PEG (5Y)N/A
Graham Number27.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.53% | ||
| ROE | 12.18% | ||
| ROCE | 21.07% | ||
| ROIC | 15.45% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 25.46% | ||
| PM (TTM) | 13.42% | ||
| GM | N/A | ||
| FCFM | 18.11% |
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-Score6
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | 0.19 | ||
| Cap/Depr | 41.87% | ||
| Cap/Sales | 1.93% | ||
| Interest Coverage | 16.37 | ||
| Cash Conversion | 66.65% | ||
| Profit Quality | 134.97% | ||
| Current Ratio | 3.61 | ||
| Quick Ratio | 3.61 | ||
| Altman-Z | 4.6 |
F-Score6
WACC8.83%
ROIC/WACC1.75
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)400.81%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%28.57%
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-13.88%
Revenue Next Year-16.55%
Revenue Next 2Y-7.02%
Revenue Next 3Y-3.19%
Revenue Next 5YN/A
EBIT growth 1Y54.19%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-15.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.73%
FCF growth 3Y-17.28%
FCF growth 5YN/A
OCF growth 1Y-42.71%
OCF growth 3Y-15.47%
OCF growth 5YN/A
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 6 / 10 to CXI.CA.
What is the valuation status for CXI stock?
ChartMill assigns a valuation rating of 7 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Undervalued.
Can you provide the profitability details for CURRENCY EXCHANGE INTERNATIO?
CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 7 / 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.