CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis

TSX:CXI • US23131B3078

28.18 CAD
-0.47 (-1.64%)
Last: Feb 11, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

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 may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make CXI a good candidate for value investing.


Dividend Valuation Growth Profitability Health

7

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.
  • 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

  • CXI has a Return On Assets of 8.53%. This is amongst the best in the industry. CXI outperforms 87.50% of its industry peers.
  • CXI's Return On Equity of 12.18% is fine compared to the rest of the industry. CXI outperforms 62.50% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 15.45%, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CXI is above the industry average of 10.54%.
  • 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 RankSector 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
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's Profit Margin of 13.42% is fine compared to the rest of the industry. CXI outperforms 75.00% of its industry peers.
  • CXI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CXI (25.46%) is better than 87.50% of its industry peers.
  • In the last couple of years the Operating Margin of CXI has grown nicely.
Industry RankSector 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
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. 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.
  • Compared to 1 year ago, CXI has less shares outstanding
  • CXI has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CXI has a worse debt to assets ratio.
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

  • An Altman-Z score of 4.69 indicates that CXI is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of CXI (4.69) 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.
  • The Debt to FCF ratio of CXI (0.42) is better 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.
  • With an excellent Debt to Equity ratio value of 0.05, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Altman-Z 4.69
ROIC/WACC1.71
WACC9.02%
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

  • A Current Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 3.61, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
  • CXI's Quick ratio of 3.61 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 3.61
Quick Ratio 3.61
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

4

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.
  • 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

  • The Earnings Per Share is expected to grow by 26.73% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, CXI will show a decrease in Revenue. The Revenue will decrease by -7.39% on average per year.
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.
  • 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 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 0 1 -1 2

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.08, CXI is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of CXI indicates a slightly more expensive valuation: CXI is more expensive than 62.50% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. CXI is valued slightly cheaper when compared to this.
  • CXI is valuated reasonably with a Price/Forward Earnings ratio of 10.61.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a somewhat cheap valuation: CXI is cheaper than 62.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, CXI is valued rather cheaply.
Industry RankSector Rank
PE 17.08
Fwd PE 10.61
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 87.50% of the companies in the same industry.
  • CXI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CXI is cheaper than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.15
EV/EBITDA 1.63
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

  • 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.
  • A more expensive valuation may be justified as CXI's earnings are expected to grow with 26.73% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y26.73%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for CXI!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (2/11/2026, 7:00:00 PM)

28.18

-0.47 (-1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-21
Earnings (Next)03-10
Inst Owners10.04%
Inst Owner ChangeN/A
Ins Owners27.63%
Ins Owner ChangeN/A
Market Cap172.74M
Revenue(TTM)76.89M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (15.83%)
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)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%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 17.08
Fwd PE 10.61
P/S 1.66
P/FCF 9.15
P/OCF 8.26
P/B 1.5
P/tB 1.57
EV/EBITDA 1.63
EPS(TTM)1.65
EY5.86%
EPS(NY)2.66
Fwd EY9.43%
FCF(TTM)3.08
FCFY10.93%
OCF(TTM)3.41
OCFY12.1%
SpS17.01
BVpS18.74
TBVpS17.93
PEG (NY)0.25
PEG (5Y)N/A
Graham Number26.38
Profitability
Industry RankSector 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 RankSector 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 4.69
F-Score6
WACC9.02%
ROIC/WACC1.71
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-7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y54.19%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-17.81%
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.