CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
TSX:CXI - Toronto Stock Exchange - US23131B3078 - Common Stock - Currency: CAD
We assign a fundamental rating of 6 out of 10 to CXI. CXI was compared to 7 industry peers in the Consumer Finance industry. While CXI has a great health rating, there are worries on its profitability. CXI scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year CXI was profitable.
In the past year CXI had a positive cash flow from operations.
In multiple years CXI reported negative net income over the last 5 years.
In multiple years CXI reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of CXI (1.89%) is comparable to the rest of the industry.
CXI has a Return On Equity (3.12%) which is in line with its industry peers.
CXI's Return On Invested Capital of 6.85% is fine compared to the rest of the industry. CXI outperforms 71.43% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CXI is below the industry average of 11.04%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.89% | ||
| ROE | 3.12% | ||
| ROIC | 6.85% |
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 has a Profit Margin (2.90%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CXI has declined.
The Operating Margin of CXI (14.89%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.89% | ||
| PM (TTM) | 2.9% | ||
| 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.
Compared to 5 years ago, CXI has less shares outstanding
CXI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.25 indicates that CXI is not in any danger for bankruptcy at the moment.
The Altman-Z score of CXI (3.25) is better than 100.00% of its industry peers.
CXI has a debt to FCF ratio of 0.48. This is a very positive value and a sign of high solvency as it would only need 0.48 years to pay back of all of its debts.
The Debt to FCF ratio of CXI (0.48) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that CXI is not too dependend on debt financing.
CXI has a better Debt to Equity ratio (0.13) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.48 | ||
| Altman-Z | 3.25 |
ROIC/WACC0.88
WACC7.82%
2.3 Liquidity
CXI has a Current Ratio of 2.65. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
CXI has a better Current ratio (2.65) than 100.00% of its industry peers.
CXI has a Quick Ratio of 2.65. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.65, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.65 | ||
| Quick Ratio | 2.65 |
3. Growth
3.1 Past
CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.01%.
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 been growing slightly by 3.83% in the past year.
CXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.33% yearly.
EPS 1Y (TTM)-78.01%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%23.53%
Revenue 1Y (TTM)3.83%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%1.15%
3.2 Future
CXI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.26% yearly.
CXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.25% yearly.
EPS Next Y65.57%
EPS Next 2Y35.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.66%
Revenue Next 2Y3.25%
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
With a Price/Earnings ratio of 12.12, CXI is valued correctly.
CXI's Price/Earnings ratio is a bit cheaper when compared to the industry. CXI is cheaper than 71.43% of the companies in the same industry.
CXI is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.32, which indicates a rather cheap valuation of CXI.
CXI's Price/Forward Earnings ratio is rather cheap when compared to the industry. CXI is cheaper than 85.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (22.10), we can say CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 7.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CXI is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.93 | ||
| EV/EBITDA | -0.15 |
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.
A more expensive valuation may be justified as CXI's earnings are expected to grow with 35.26% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y35.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (3/7/2025, 7:00:00 PM)
21.21
-0.28 (-1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners8.21%
Inst Owner ChangeN/A
Ins Owners25.95%
Ins Owner ChangeN/A
Market Cap133.41M
Analysts80
Price Target30.6 (44.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-24.42%
Min EPS beat(2)-36.02%
Max EPS beat(2)-12.81%
EPS beat(4)0
Avg EPS beat(4)-42.76%
Min EPS beat(4)-71.71%
Max EPS beat(4)-12.81%
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)0
Avg Revenue beat(2)-3.77%
Min Revenue beat(2)-5.7%
Max Revenue beat(2)-1.84%
Revenue beat(4)0
Avg Revenue beat(4)-3.02%
Min Revenue beat(4)-5.7%
Max Revenue beat(4)-1.84%
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)-6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-7.41%
EPS NY rev (3m)-7.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.48%
Revenue NY rev (3m)-3.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 7.32 | ||
| P/S | 1.09 | ||
| P/FCF | 3.93 | ||
| P/OCF | 3.49 | ||
| P/B | 1.17 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | -0.15 |
EPS(TTM)1.75
EY8.25%
EPS(NY)2.9
Fwd EY13.65%
FCF(TTM)5.39
FCFY25.43%
OCF(TTM)6.08
OCFY28.66%
SpS19.43
BVpS18.1
TBVpS17.31
PEG (NY)0.18
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.89% | ||
| ROE | 3.12% | ||
| ROCE | 14.68% | ||
| ROIC | 6.85% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.89% | ||
| PM (TTM) | 2.9% | ||
| GM | N/A | ||
| FCFM | 27.76% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.48 | ||
| Debt/EBITDA | 0.61 | ||
| Cap/Depr | 79.65% | ||
| Cap/Sales | 3.52% | ||
| Interest Coverage | 91.21 | ||
| Cash Conversion | 161.96% | ||
| Profit Quality | 956.64% | ||
| Current Ratio | 2.65 | ||
| Quick Ratio | 2.65 | ||
| Altman-Z | 3.25 |
F-Score6
WACC7.82%
ROIC/WACC0.88
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)-78.01%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%23.53%
EPS Next Y65.57%
EPS Next 2Y35.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.83%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%1.15%
Revenue Next Year2.66%
Revenue Next 2Y3.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-13.14%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year36.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1077.3%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y2456.79%
OCF growth 3Y49.32%
OCF growth 5Y19.49%