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

TSX:CXI • US23131B3078

Current stock price

25 CAD
+0.27 (+1.09%)
Last:

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

7

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.
  • Of the past 5 years CXI 4 years were profitable.
  • 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 (9.24%) than 100.00% of its industry peers.
  • With a decent Return On Equity value of 13.14%, CXI is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • The Return On Invested Capital of CXI (14.86%) is better than 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 9.22%.
  • The 3 year average ROIC (13.10%) for CXI is below the current ROIC(14.86%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.24%
ROE 13.14%
ROIC 14.86%
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

  • Looking at the Profit Margin, with a value of 15.23%, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CXI has declined.
  • With an excellent Operating Margin value of 25.30%, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CXI has grown nicely.
Industry RankSector Rank
OM 25.3%
PM (TTM) 15.23%
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.
  • CXI has a worse debt/assets ratio than last year.
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 4.41 indicates that CXI is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.41, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI has a debt to FCF ratio of 0.27. This is a very positive value and a sign of high solvency as it would only need 0.27 years to pay back of all of its debts.
  • CXI has a Debt to FCF ratio of 0.27. This is amongst the best in the industry. CXI outperforms 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.
  • CXI has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Altman-Z 4.41
ROIC/WACC1.62
WACC9.17%
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 3.56. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • CXI has a better Current ratio (3.56) than 100.00% of its industry peers.
  • CXI has a Quick Ratio of 3.56. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 3.56, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.56
Quick Ratio 3.56
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

5

3. CXI.CA Growth Analysis

3.1 Past

  • CXI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 443.31%, which is quite impressive.
  • Measured over the past years, CXI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.83% on average per year.
  • Looking at the last year, CXI shows a very negative growth in Revenue. The Revenue has decreased by -16.79% in the last year.
  • Measured over the past years, CXI shows a very strong growth in Revenue. The Revenue has been growing by 23.70% on average per year.
EPS 1Y (TTM)443.31%
EPS 3Y-1.83%
EPS 5YN/A
EPS Q2Q%88.24%
Revenue 1Y (TTM)-16.79%
Revenue growth 3Y3.01%
Revenue growth 5Y23.7%
Sales Q2Q%-22.48%

3.2 Future

  • CXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.85% yearly.
  • The Revenue is expected to grow by 3.14% on average over the next years.
EPS Next Y-2.94%
EPS Next 2Y3.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.25%
Revenue Next 2Y3.14%
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.
  • 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.
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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Find the best growth stocksShow best growing peers

6

4. CXI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.16, the valuation of CXI can be described as reasonable.
  • Based on the Price/Earnings ratio, CXI is valued a bit cheaper than 71.43% of the companies in the same industry.
  • CXI is valuated cheaply when we compare the Price/Earnings ratio to 27.79, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.24, which indicates a very decent valuation of CXI.
  • CXI's Price/Forward Earnings is on the same level as the industry average.
  • CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.88, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.16
Fwd PE 8.24
CXI.CA Price Earnings VS Forward Price EarningsCXI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 100.00% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 85.71% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.84
EV/EBITDA 0.85
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 decent profitability rating of CXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.85%
EPS Next 3YN/A

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

0

5. CXI.CA Dividend Analysis

5.1 Amount

  • No dividends for CXI!.
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 (4/21/2026, 7:00:00 PM)

25

+0.27 (+1.09%)

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 Cap148.50M
Revenue(TTM)72.42M
Net Income(TTM)11.03M
Analysts80
Price Target32.64 (30.56%)
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)0
Avg EPS beat(2)-12.28%
Min EPS beat(2)-17.75%
Max EPS beat(2)-6.81%
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)1
Avg Revenue beat(2)-2.49%
Min Revenue beat(2)-5.76%
Max Revenue beat(2)0.78%
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)-5.26%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.28%
Revenue NY rev (3m)-1.48%
Valuation
Industry RankSector Rank
PE 10.16
Fwd PE 8.24
P/S 1.5
P/FCF 4.84
P/OCF 4.58
P/B 1.3
P/tB 1.35
EV/EBITDA 0.85
EPS(TTM)2.46
EY9.84%
EPS(NY)3.03
Fwd EY12.14%
FCF(TTM)5.16
FCFY20.64%
OCF(TTM)5.46
OCFY21.83%
SpS16.65
BVpS19.3
TBVpS18.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.6871 (30.75%)
Profitability
Industry RankSector Rank
ROA 9.24%
ROE 13.14%
ROCE 20.27%
ROIC 14.86%
ROICexc N/A
ROICexgc N/A
OM 25.3%
PM (TTM) 15.23%
GM N/A
FCFM 31%
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-Score8
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Debt/EBITDA 0.21
Cap/Depr 36.32%
Cap/Sales 1.78%
Interest Coverage 15.72
Cash Conversion 108.55%
Profit Quality 203.49%
Current Ratio 3.56
Quick Ratio 3.56
Altman-Z 4.41
F-Score8
WACC9.17%
ROIC/WACC1.62
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)443.31%
EPS 3Y-1.83%
EPS 5YN/A
EPS Q2Q%88.24%
EPS Next Y-2.94%
EPS Next 2Y3.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.79%
Revenue growth 3Y3.01%
Revenue growth 5Y23.7%
Sales Q2Q%-22.48%
Revenue Next Year1.25%
Revenue Next 2Y3.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.54%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-21.34%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.54%
FCF growth 3Y-17.28%
FCF growth 5YN/A
OCF growth 1Y-26.57%
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 7 / 10 to CXI.CA.


What is the valuation status for CXI stock?

ChartMill assigns a valuation rating of 6 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.


How profitable is CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?

CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 7 / 10.


How financially healthy is CURRENCY EXCHANGE INTERNATIO?

The financial health rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) is 9 / 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 decline by -2.94% in the next year.