CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CXI - US23131B3078 - Common Stock
23 CAD
0 (0%)
CXI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for CXI as it has an excellent financial health rating, but there are worries on the 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
- In the past year CXI was profitable.
- In the past year CXI has reported a negative cash flow from operations.
- 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
- Looking at the Return On Assets, with a value of 3.18%, CXI is doing worse than 62.50% of the companies in the same industry.
- CXI has a worse Return On Equity (5.04%) than 62.50% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 8.20%, CXI belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
- 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 3 year average ROIC (8.03%) for CXI is below the current ROIC(8.20%), indicating increased profibility in the last year.
| 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
- With a Profit Margin value of 5.27%, CXI is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of CXI has declined.
- CXI's Operating Margin of 19.91% is fine compared to the rest 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CXI is creating some value.
- Compared to 1 year ago, CXI has less shares outstanding
- Compared to 5 years ago, CXI has less shares outstanding
- The debt/assets ratio for CXI has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 3.43 indicates that CXI is not in any danger for bankruptcy at the moment.
- CXI has a Altman-Z score of 3.43. 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.
- Looking at the Debt to Equity ratio, with a value of 0.06, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.43 |
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.
- The Current ratio of CXI (2.84) is better than 100.00% of its industry peers.
- A Quick Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
- CXI's Quick ratio of 2.84 is amongst the best of the industry. CXI outperforms 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%.
- The Earnings Per Share has been decreasing by -3.90% on average over the past years.
- CXI shows a decrease in Revenue. In the last year, the revenue decreased by -7.00%.
- 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
- The Revenue is expected to decrease by -7.39% on average over the next years.
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.
- 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
- With a Price/Earnings ratio of 13.69, CXI is valued correctly.
- Based on the Price/Earnings ratio, CXI is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.32. CXI is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 8.51, which indicates a very decent valuation of CXI.
- Based on the Price/Forward Earnings ratio, CXI is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. CXI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
- 100.00% of the companies in the same industry are more expensive than CXI, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.84 |
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
- CXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:CXI (1/22/2026, 7:00:00 PM)
23
0 (0%)
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 Cap140.99M
Revenue(TTM)80.09M
Net Income(TTM)4.22M
Analysts80
Price Target30.6 (33.04%)
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 | 13.69 | ||
| Fwd PE | 8.51 | ||
| P/S | 1.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.22 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 0.84 |
EPS(TTM)1.68
EY7.3%
EPS(NY)2.7
Fwd EY11.75%
FCF(TTM)-2.87
FCFYN/A
OCF(TTM)-2.42
OCFYN/A
SpS18.02
BVpS18.86
TBVpS18.05
PEG (NY)0.2
PEG (5Y)N/A
Graham Number26.7
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 | 3.43 |
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 Year38.42%
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.