CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
22.99 CAD
+0.59 (+2.63%)
CXI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 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 on the other hand it scores bad on growth.
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.
- In multiple years CXI reported negative net income over the last 5 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
- With a Return On Assets value of 3.18%, CXI is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
- CXI's Return On Equity of 5.04% is on the low side compared to the rest of the industry. CXI is outperformed by 62.50% of its industry peers.
- CXI's Return On Invested Capital of 8.20% is amongst the best of the industry. CXI outperforms 87.50% of its industry peers.
- CXI had an Average Return On Invested Capital over the past 3 years of 8.03%. This is in line with the industry average of 8.74%.
- 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
- CXI's Profit Margin of 5.27% is on the low side compared to the rest of the industry. CXI is outperformed by 62.50% of its industry peers.
- In the last couple of years the Profit Margin of CXI has declined.
- CXI has a Operating Margin of 19.91%. This is in the better half of the industry: CXI outperforms 75.00% 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
- 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.
- 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 3.45. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
- CXI has a Altman-Z score of 3.45. 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.
- The Debt to Equity ratio of CXI (0.06) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.45 |
ROIC/WACC1.01
WACC8.1%
2.3 Liquidity
- A Current Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
- CXI has a better Current ratio (2.84) than 100.00% of its industry peers.
- 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.
- The Quick ratio of CXI (2.84) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 |
3. Growth
3.1 Past
- CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.06%.
- CXI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.90% yearly.
- The Revenue has decreased by -7.00% in the past year.
- Measured over the past years, CXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.33% on average per year.
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
- 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
- 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.
- 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
- CXI is valuated correctly with a Price/Earnings ratio of 13.60.
- 62.50% of the companies in the same industry are cheaper than CXI, based on the Price/Earnings ratio.
- CXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- The Price/Forward Earnings ratio is 8.45, 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.
- When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (24.29), we can say CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.6 | ||
| Fwd PE | 8.45 |
4.2 Price Multiples
- CXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CXI is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.91 |
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's earnings are expected to grow with 26.73% in the coming years. This may justify a more expensive valuation.
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 | 0% |
TSX:CXI (1/16/2026, 7:00:00 PM)
22.99
+0.59 (+2.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)09-10 2025-09-10/amc
Earnings (Next)01-20 2026-01-20
Inst Owners10.04%
Inst Owner ChangeN/A
Ins Owners27.63%
Ins Owner ChangeN/A
Market Cap140.93M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (33.1%)
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)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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.6 | ||
| Fwd PE | 8.45 | ||
| P/S | 1.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.21 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 0.91 |
EPS(TTM)1.69
EY7.35%
EPS(NY)2.72
Fwd EY11.84%
FCF(TTM)-2.89
FCFYN/A
OCF(TTM)-2.44
OCFYN/A
SpS18.15
BVpS19
TBVpS18.17
PEG (NY)0.2
PEG (5Y)N/A
Graham Number26.88
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 | 3.45 |
F-Score4
WACC8.1%
ROIC/WACC1.01
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 Year37.46%
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 for CXI stock?
ChartMill assigns a valuation rating of 5 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for CURRENCY EXCHANGE INTERNATIO?
CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 3 / 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.