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

TSX:CXI • US23131B3078

Current stock price

24.53 CAD
-0.42 (-1.68%)
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

  • CXI had positive earnings in the past year.
  • CXI had a positive operating cash flow in the past year.
  • 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

  • With an excellent Return On Assets value of 8.53%, CXI belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
  • The Return On Equity of CXI (12.18%) is better than 71.43% of its industry peers.
  • CXI has a better Return On Invested Capital (15.45%) than 100.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CXI is above the industry average of 9.37%.
  • 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

  • Looking at the Profit Margin, with a value of 13.42%, CXI belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
  • CXI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CXI (25.46%) is better than 100.00% of its industry peers.
  • CXI's Operating Margin has improved in the last couple of years.
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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9

2. CXI.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CXI 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.
  • 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 4.32 indicates that CXI is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 4.32, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • CXI has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of 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.
  • 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 better Debt to Equity ratio (0.05) than 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Altman-Z 4.32
ROIC/WACC1.68
WACC9.22%
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.
  • CXI has a better Current ratio (3.61) than 100.00% of its industry peers.
  • 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.
  • CXI has a Quick ratio of 3.61. This is amongst the best in 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

3

3. CXI.CA Growth Analysis

3.1 Past

  • The earnings per share for CXI have decreased strongly by -75.69% in the last year.
  • CXI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.26% yearly.
  • Looking at the last year, CXI shows a very negative growth in Revenue. The Revenue has decreased by -15.90% in the last year.
  • The Revenue has been growing by 10.53% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 24.30% on average over the next years. This is a very strong growth
  • CXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.89% yearly.
EPS Next Y68.89%
EPS Next 2Y31.54%
EPS Next 3Y24.3%
EPS Next 5YN/A
Revenue Next Year-16.55%
Revenue Next 2Y-8.08%
Revenue Next 3Y-3.89%
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 14.43, the valuation of CXI can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as CXI.
  • CXI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.17.
  • CXI is valuated reasonably with a Price/Forward Earnings ratio of 8.35.
  • CXI's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (23.05), we can say CXI is valued rather cheaply.
Industry RankSector Rank
PE 14.43
Fwd PE 8.35
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 cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • 85.71% of the companies in the same industry are more expensive than CXI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.55
EV/EBITDA 0.67
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.
  • The decent profitability rating of CXI may justify a higher PE ratio.
  • CXI's earnings are expected to grow with 24.30% in the coming years. This may justify a more expensive valuation.
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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CXI.CA Fundamentals: All Metrics, Ratios and Statistics

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (4/2/2026, 7:00:00 PM)

24.53

-0.42 (-1.68%)

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 Cap146.20M
Revenue(TTM)68.92M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (33.06%)
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)0%
EPS NY rev (3m)7.73%
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 14.43
Fwd PE 8.35
P/S 1.37
P/FCF 7.55
P/OCF 6.82
P/B 1.24
P/tB 1.3
EV/EBITDA 0.67
EPS(TTM)1.7
EY6.93%
EPS(NY)2.94
Fwd EY11.97%
FCF(TTM)3.25
FCFY13.25%
OCF(TTM)3.6
OCFY14.66%
SpS17.94
BVpS19.77
TBVpS18.91
PEG (NY)0.21
PEG (5Y)N/A
Graham Number27.5
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 4.32
F-Score6
WACC9.22%
ROIC/WACC1.68
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-8.08%
Revenue Next 3Y-3.89%
Revenue Next 5YN/A
EBIT growth 1Y54.19%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-17.32%
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.


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 grow by 68.89% in the next year.