CURRENCY EXCHANGE INTERNATIO (CXI.CA) Fundamental Analysis & Valuation

TSX:CXI • US23131B3078

Current stock price

24.5 CAD
0 (0%)
Last:

This CXI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CXI.CA Profitability Analysis

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.
  • CXI had a positive operating cash flow in 4 of the past 5 years.
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 better Return On Assets (8.53%) than 85.71% of its industry peers.
  • CXI has a Return On Equity (12.18%) which is in line with its industry peers.
  • With an excellent Return On Invested Capital value of 15.45%, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI had an Average Return On Invested Capital over the past 3 years of 13.10%. This is above the industry average of 10.17%.
  • The 3 year average ROIC (13.10%) for CXI is below the current ROIC(15.45%), indicating increased profibility in the last year.
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

  • The Profit Margin of CXI (13.42%) is better than 71.43% 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 85.71% 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. CXI.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CXI is still creating some value.
  • Compared to 1 year ago, CXI has less shares outstanding
  • The number of shares outstanding for CXI has been reduced compared to 5 years ago.
  • The debt/assets ratio for CXI is higher compared to a year ago.
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 4.34 indicates that CXI is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.34, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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's Debt to FCF ratio of 0.42 is amongst the best of 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.
  • 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 4.34
ROIC/WACC1.67
WACC9.26%
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

  • CXI has a Current Ratio of 3.61. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 3.61, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI has a Quick Ratio of 3.61. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 3.61, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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

3

3. CXI.CA Growth Analysis

3.1 Past

  • CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.69%.
  • Measured over the past years, CXI shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.26% on average per year.
  • The Revenue for CXI has decreased by -15.90% in the past year. This is quite bad
  • CXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.53% yearly.
EPS 1Y (TTM)-75.69%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%88.24%
Revenue 1Y (TTM)-15.9%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-22.48%

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 24.30% on average per year.
  • The Revenue is expected to decrease by -3.19% on average over the next years.
EPS Next Y68.89%
EPS Next 2Y31.54%
EPS Next 3Y24.3%
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.
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 2027 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 2027 0 1 -1 2

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7

4. CXI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.67, the valuation of CXI can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as CXI.
  • CXI is valuated rather cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.46, which indicates a very decent valuation of CXI.
  • CXI's Price/Forward Earnings ratio is in line with the industry average.
  • CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.67
Fwd PE 8.46
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

  • Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaper than 100.00% 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 85.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.64
EV/EBITDA 0.73
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

  • CXI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of CXI may justify a higher PE ratio.
  • A more expensive valuation may be justified as CXI's earnings are expected to grow with 24.30% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y31.54%
EPS Next 3Y24.3%

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

0

5. CXI.CA Dividend Analysis

5.1 Amount

  • CXI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CXI.CA Fundamentals: All Metrics, Ratios and Statistics

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (3/20/2026, 7:00:00 PM)

24.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-11
Earnings (Next)06-09
Inst Owners10.4%
Inst Owner ChangeN/A
Ins Owners28.35%
Ins Owner ChangeN/A
Market Cap146.02M
Revenue(TTM)68.92M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (33.22%)
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)0%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.73%
EPS NY rev (3m)7.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.81%
Valuation
Industry RankSector Rank
PE 14.67
Fwd PE 8.46
P/S 1.38
P/FCF 7.64
P/OCF 6.91
P/B 1.26
P/tB 1.31
EV/EBITDA 0.73
EPS(TTM)1.67
EY6.82%
EPS(NY)2.9
Fwd EY11.82%
FCF(TTM)3.21
FCFY13.08%
OCF(TTM)3.55
OCFY14.48%
SpS17.69
BVpS19.49
TBVpS18.65
PEG (NY)0.21
PEG (5Y)N/A
Graham Number27.06
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 4.34
F-Score6
WACC9.26%
ROIC/WACC1.67
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)-75.69%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%88.24%
EPS Next Y68.89%
EPS Next 2Y31.54%
EPS Next 3Y24.3%
EPS Next 5YN/A
Revenue 1Y (TTM)-15.9%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-22.48%
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-16.16%
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 Fundamental Analysis 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.