CXI Fundamental Analysis - CURRENCY EXCHANGE INTERNATIO

Fundamental Rating

CXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for CXI as it has an excellent financial health rating, but there are worries on the profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on CXI.

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1. Profitability

1.1 Basic Checks

In the past year CXI was profitable.

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.

The reported operating cash flow has been mixed in the past 5 years: CXI reported negative operating cash flow in multiple years.

1.2 Ratios

CXI's Return On Assets of 2.99% is in line compared to the rest of the industry. CXI outperforms 50.00% of its industry peers.

With a Return On Equity value of 4.82%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

CXI has a better Return On Invested Capital (6.59%) than 66.67% of its industry peers.

The Average Return On Invested Capital over the past 3 years for CXI is below the industry average of 10.42%.

		Industry Rank	Sector Rank
ROA	2.99%
ROE	4.82%
ROIC	6.59%

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's Profit Margin of 4.73% is in line compared to the rest of the industry. CXI outperforms 50.00% of its industry peers.

CXI's Profit Margin has declined in the last couple of years.

The Operating Margin of CXI (17.33%) is better than 66.67% of its industry peers.

In the last couple of years the Operating Margin of CXI has grown nicely.

		Industry Rank	Sector Rank
OM	17.33%
PM (TTM)	4.73%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

CXI has an Altman-Z score of 3.17. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.

CXI has a Altman-Z score of 3.17. This is amongst the best in the industry. CXI outperforms 83.33% of its industry peers.

A Debt/Equity ratio of 0.06 indicates that CXI is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.06, CXI belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Altman-Z	3.17

ROIC/WACC0.81

WACC8.16%

2.3 Liquidity

A Current Ratio of 3.58 indicates that CXI has no problem at all paying its short term obligations.

CXI has a better Current ratio (3.58) than 100.00% of its industry peers.

CXI has a Quick Ratio of 3.58. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.

CXI's Quick ratio of 3.58 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	3.58
Quick Ratio	3.58

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CXI have decreased strongly by -50.86% in the last year.

The Earnings Per Share has been decreasing by -3.90% on average over the past years.

The Revenue has decreased by -3.15% in the past year.

The Revenue has been growing by 15.33% on average over the past years. This is quite good.

EPS 1Y (TTM)-50.86%

EPS 3YN/A

EPS 5Y-3.9%

EPS Q2Q%306.29%

Revenue 1Y (TTM)-3.15%

Revenue growth 3Y40.76%

Revenue growth 5Y15.33%

Sales Q2Q%-21.05%

3.2 Future

Based on estimates for the next years, CXI will show a very strong growth in Earnings Per Share. The EPS will grow by 35.26% on average per year.

Based on estimates for the next years, CXI will show a small growth in Revenue. The Revenue will grow by 3.25% on average per year.

EPS Next Y65.57%

EPS Next 2Y35.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.66%

Revenue Next 2Y3.25%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.71, which indicates a very decent valuation of CXI.

CXI's Price/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 is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 6.39, the valuation of CXI can be described as very cheap.

Based on the Price/Forward Earnings ratio, CXI is valued cheaper than 100.00% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, CXI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.71
Fwd PE	6.39

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than CXI, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	1.23

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's earnings are expected to grow with 35.26% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.18

PEG (5Y)N/A

EPS Next 2Y35.26%

EPS Next 3YN/A

More info and screens

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5. Dividend

5.1 Amount

No dividends for CXI!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CURRENCY EXCHANGE INTERNATIO

TSX:CXI (7/10/2025, 7:00:00 PM)

19.55

-0.03 (-0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)06-10 2025-06-10

Earnings (Next)09-09 2025-09-09

Inst Owners9.06%

Inst Owner ChangeN/A

Ins Owners26.29%

Ins Owner ChangeN/A

Market Cap122.19M

Analysts80

Price Target28.56 (46.09%)

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)-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%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	11.71
Fwd PE	6.39
P/S	1.08
P/FCF	N/A
P/OCF	N/A
P/B	1.1
P/tB	1.15
EV/EBITDA	1.23

EPS(TTM)1.67

EY8.54%

EPS(NY)3.06

Fwd EY15.64%

FCF(TTM)-1.91

FCFYN/A

OCF(TTM)-1.29

OCFYN/A

SpS18.15

BVpS17.79

TBVpS17.01

PEG (NY)0.18

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.99%
ROE	4.82%
ROCE	13.35%
ROIC	6.59%
ROICexc	21.08%
ROICexgc	23.58%
OM	17.33%
PM (TTM)	4.73%
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

ROICexcg growth 3YN/A

ROICexcg 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 Turnover0.63

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Debt/EBITDA	0.29
Cap/Depr	75.06%
Cap/Sales	3.41%
Interest Coverage	133.62
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	3.58
Quick Ratio	3.58
Altman-Z	3.17

F-Score4

WACC8.16%

ROIC/WACC0.81

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)-50.86%

EPS 3YN/A

EPS 5Y-3.9%

EPS Q2Q%306.29%

EPS Next Y65.57%

EPS Next 2Y35.26%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-3.15%

Revenue growth 3Y40.76%

Revenue growth 5Y15.33%

Sales Q2Q%-21.05%

Revenue Next Year2.66%

Revenue Next 2Y3.25%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-5.99%

EBIT growth 3YN/A

EBIT growth 5Y21.37%

EBIT Next Year34.13%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-230.59%

FCF growth 3Y45.9%

FCF growth 5Y20.75%

OCF growth 1Y-175.96%

OCF growth 3Y49.32%

OCF growth 5Y19.49%

CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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