CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
TSX:CXI • US23131B3078
28.63 CAD
+0.39 (+1.38%)
Last: Feb 19, 2026, 07:00 PM
CXI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. CXI gets an excellent profitability rating and is at the same time showing great financial health properties. CXI scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes CXI very considerable 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.
- Of the past 5 years CXI 4 years were profitable.
- CXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.53%, CXI belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
- The Return On Equity of CXI (12.18%) is better than 62.50% of its industry peers.
- 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.
- The Average Return On Invested Capital over the past 3 years for CXI is above the industry average of 10.56%.
- The 3 year average ROIC (13.10%) for CXI is below the current ROIC(15.45%), indicating increased profibility in the last year.
| 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
- CXI has a Profit Margin of 13.42%. This is in the better half of the industry: CXI outperforms 75.00% of its industry peers.
- In the last couple of years the Profit Margin of CXI has declined.
- Looking at the Operating Margin, with a value of 25.46%, CXI belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
- 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
- CXI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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 worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 4.64 indicates that CXI is not in any danger for bankruptcy at the moment.
- The Altman-Z score of CXI (4.64) is better than 100.00% of its industry peers.
- The Debt to FCF ratio of CXI is 0.42, which is an excellent value as it means it would take CXI, only 0.42 years of fcf income to pay off all of its debts.
- CXI has a Debt to FCF ratio of 0.42. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
- A Debt/Equity ratio of 0.05 indicates that CXI is not too dependend on debt financing.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 4.64 |
ROIC/WACC1.73
WACC8.93%
2.3 Liquidity
- A Current Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
- CXI has a better Current ratio (3.61) than 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.
- The Quick ratio of CXI (3.61) is better than 100.00% of its industry peers.
| 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.
- The Earnings Per Share has been decreasing by -4.26% on average over the past years.
- Looking at the last year, CXI shows a decrease in Revenue. The Revenue has decreased by -9.80% in the last year.
- The Revenue has been growing by 10.53% on average over the past years. This is quite good.
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.
- CXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.19% 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-7.02%
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 17.14, the valuation of CXI can be described as rather expensive.
- 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 valuation a bit cheaper than the S&P500 average which is at 26.99.
- The Price/Forward Earnings ratio is 10.67, which indicates a very decent valuation of CXI.
- CXI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CXI is cheaper than 62.50% 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 28.02.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.14 | ||
| Fwd PE | 10.67 |
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.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 87.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.95 | ||
| EV/EBITDA | 1.51 |
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 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)0.25
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 | 0% |
TSX:CXI (2/19/2026, 7:00:00 PM)
28.63
+0.39 (+1.38%)
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 Cap170.63M
Revenue(TTM)76.89M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (14.01%)
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 | 17.14 | ||
| Fwd PE | 10.67 | ||
| P/S | 1.62 | ||
| P/FCF | 8.95 | ||
| P/OCF | 8.09 | ||
| P/B | 1.47 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 1.51 |
EPS(TTM)1.67
EY5.83%
EPS(NY)2.68
Fwd EY9.37%
FCF(TTM)3.2
FCFY11.18%
OCF(TTM)3.54
OCFY12.37%
SpS17.66
BVpS19.46
TBVpS18.62
PEG (NY)0.25
PEG (5Y)N/A
Graham Number27.04
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 | 4.64 |
F-Score6
WACC8.93%
ROIC/WACC1.73
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-18.6%
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.