CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - TSX:CXI - US23131B3078 - Common Stock
24 CAD
-0.43 (-1.76%)
Overall CXI gets a fundamental rating of 4 out of 10. We evaluated CXI against 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CXI had positive earnings in the past year.
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
With a Return On Assets value of 3.18%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
The Return On Equity of CXI (5.04%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 8.20%, CXI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
CXI had an Average Return On Invested Capital over the past 3 years of 8.03%. This is below the industry average of 10.69%.
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
The Profit Margin of CXI (5.27%) is worse than 66.67% of its industry peers.
In the last couple of years the Profit Margin of CXI has declined.
The Operating Margin of CXI (19.91%) is better than 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CXI is destroying value.
Compared to 1 year ago, CXI has less shares outstanding
CXI has less shares outstanding than it did 5 years ago.
CXI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.52 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI has a Altman-Z score of 3.52. 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.
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 | 3.52 |
ROIC/WACC0.83
WACC9.86%
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.
Looking at the Current 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.
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.
CXI has a Quick ratio of 2.84. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
| 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.
Looking at the last year, CXI shows a decrease in Revenue. The Revenue has decreased by -7.00% in the last year.
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
The Earnings Per Share is expected to grow by 26.73% on average over the next years. This is a very strong growth
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 14.12, the valuation of CXI can be described as correct.
CXI's Price/Earnings ratio is in line with the industry average.
CXI is valuated rather cheaply when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.79 indicates a reasonable valuation of CXI.
CXI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CXI is cheaper than 66.67% of the companies in the same industry.
CXI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.50.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 8.79 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.21 |
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.
A more expensive valuation may be justified as CXI's earnings are expected to grow with 26.73% in the coming years.
PEG (NY)0.2
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 (10/30/2025, 7:00:00 PM)
24
-0.43 (-1.76%)
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 Cap146.88M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (27.5%)
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)2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)8.58%
Revenue NY rev (3m)-18.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 8.79 | ||
| P/S | 1.32 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.26 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 1.21 |
EPS(TTM)1.7
EY7.08%
EPS(NY)2.73
Fwd EY11.37%
FCF(TTM)-2.91
FCFYN/A
OCF(TTM)-2.45
OCFYN/A
SpS18.23
BVpS19.08
TBVpS18.25
PEG (NY)0.2
PEG (5Y)N/A
Graham Number27.02
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 | 3.52 |
F-Score4
WACC9.86%
ROIC/WACC0.83
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 Year37.08%
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 5 / 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 14.12 and the Price/Book (PB) ratio is 1.26.
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.