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EXCHANGE INCOME CORP (EIF-DB-L.CA) Stock Overview

Canada - TSX:EIF-DB-L - CA301283AN70

108.8 CAD
-27.2 (-20%)
Last: 9/25/2025, 7:00:00 PM
Fundamental Rating

5

Taking everything into account, EIF-DB-L scores 5 out of 10 in our fundamental rating. EIF-DB-L was compared to 7 industry peers in the Passenger Airlines industry. EIF-DB-L has only an average score on both its financial health and profitability. EIF-DB-L is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

EIF-DB-L had positive earnings in the past year.
EIF-DB-L had a positive operating cash flow in the past year.
In the past 5 years EIF-DB-L has always been profitable.
Each year in the past 5 years EIF-DB-L had a positive operating cash flow.
EIF-DB-L.CA Yearly Net Income VS EBIT VS OCF VS FCFEIF-DB-L.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

1.2 Ratios

With a decent Return On Assets value of 2.75%, EIF-DB-L is doing good in the industry, outperforming 62.50% of the companies in the same industry.
EIF-DB-L has a better Return On Equity (9.07%) than 75.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.96%, EIF-DB-L is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for EIF-DB-L is in line with the industry average of 5.73%.
Industry RankSector Rank
ROA 2.75%
ROE 9.07%
ROIC 5.96%
ROA(3y)2.91%
ROA(5y)2.52%
ROE(3y)9.73%
ROE(5y)8.37%
ROIC(3y)5.98%
ROIC(5y)5.34%
EIF-DB-L.CA Yearly ROA, ROE, ROICEIF-DB-L.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

EIF-DB-L has a Profit Margin of 4.71%. This is in the better half of the industry: EIF-DB-L outperforms 62.50% of its industry peers.
In the last couple of years the Profit Margin of EIF-DB-L has declined.
EIF-DB-L's Operating Margin of 11.97% is amongst the best of the industry. EIF-DB-L outperforms 87.50% of its industry peers.
EIF-DB-L's Operating Margin has been stable in the last couple of years.
With a Gross Margin value of 37.29%, EIF-DB-L is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
EIF-DB-L's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.97%
PM (TTM) 4.71%
GM 37.29%
OM growth 3Y5.55%
OM growth 5Y0.17%
PM growth 3Y-2.07%
PM growth 5Y-6.07%
GM growth 3Y-0.42%
GM growth 5Y-1.74%
EIF-DB-L.CA Yearly Profit, Operating, Gross MarginsEIF-DB-L.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

EIF-DB-L has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, EIF-DB-L has more shares outstanding
EIF-DB-L has more shares outstanding than it did 5 years ago.
EIF-DB-L has a worse debt/assets ratio than last year.
EIF-DB-L.CA Yearly Shares OutstandingEIF-DB-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
EIF-DB-L.CA Yearly Total Debt VS Total AssetsEIF-DB-L.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

EIF-DB-L has an Altman-Z score of 2.01. This is not the best score and indicates that EIF-DB-L is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.01, EIF-DB-L is doing good in the industry, outperforming 62.50% of the companies in the same industry.
A Debt/Equity ratio of 1.67 is on the high side and indicates that EIF-DB-L has dependencies on debt financing.
With a Debt to Equity ratio value of 1.67, EIF-DB-L perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF N/A
Altman-Z 2.01
ROIC/WACC0.71
WACC8.44%
EIF-DB-L.CA Yearly LT Debt VS Equity VS FCFEIF-DB-L.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

EIF-DB-L has a Current Ratio of 2.24. This indicates that EIF-DB-L is financially healthy and has no problem in meeting its short term obligations.
EIF-DB-L has a Current ratio of 2.24. This is amongst the best in the industry. EIF-DB-L outperforms 87.50% of its industry peers.
EIF-DB-L has a Quick Ratio of 1.47. This is a normal value and indicates that EIF-DB-L is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.47, EIF-DB-L belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.24
Quick Ratio 1.47
EIF-DB-L.CA Yearly Current Assets VS Current LiabilitesEIF-DB-L.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.95% over the past year.
The Earnings Per Share has been decreasing by -0.27% on average over the past years.
EIF-DB-L shows a small growth in Revenue. In the last year, the Revenue has grown by 6.87%.
EIF-DB-L shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.67% yearly.
EPS 1Y (TTM)12.95%
EPS 3Y9.61%
EPS 5Y-0.27%
EPS Q2Q%14.29%
Revenue 1Y (TTM)6.87%
Revenue growth 3Y23.47%
Revenue growth 5Y14.67%
Sales Q2Q%8.99%

3.2 Future

EIF-DB-L is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.12% yearly.
The Revenue is expected to grow by 15.45% on average over the next years. This is quite good.
EPS Next Y29.63%
EPS Next 2Y25.56%
EPS Next 3Y22.7%
EPS Next 5Y14.12%
Revenue Next Year13.8%
Revenue Next 2Y12.79%
Revenue Next 3Y11.13%
Revenue Next 5Y15.45%

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 stable: in the next years the growth will be about the same than in the last years.
EIF-DB-L.CA Yearly Revenue VS EstimatesEIF-DB-L.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B 5B
EIF-DB-L.CA Yearly EPS VS EstimatesEIF-DB-L.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 34.65, EIF-DB-L can be considered very expensive at the moment.
62.50% of the companies in the same industry are more expensive than EIF-DB-L, based on the Price/Earnings ratio.
EIF-DB-L is valuated rather expensively when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 23.39, EIF-DB-L is valued on the expensive side.
Based on the Price/Forward Earnings ratio, EIF-DB-L is valued a bit cheaper than 62.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.04. EIF-DB-L is around the same levels.
Industry RankSector Rank
PE 34.65
Fwd PE 23.39
EIF-DB-L.CA Price Earnings VS Forward Price EarningsEIF-DB-L.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

EIF-DB-L's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.79
EIF-DB-L.CA Per share dataEIF-DB-L.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40 50

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
EIF-DB-L has a very decent profitability rating, which may justify a higher PE ratio.
EIF-DB-L's earnings are expected to grow with 22.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.17
PEG (5Y)N/A
EPS Next 2Y25.56%
EPS Next 3Y22.7%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.56%, EIF-DB-L has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.43, EIF-DB-L pays a better dividend. On top of this EIF-DB-L pays more dividend than 87.50% of the companies listed in the same industry.
EIF-DB-L's Dividend Yield is a higher than the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.56%

5.2 History

The dividend of EIF-DB-L has a limited annual growth rate of 3.39%.
EIF-DB-L is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)3.39%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

99.73% of the earnings are spent on dividend by EIF-DB-L. This is not a sustainable payout ratio.
The dividend of EIF-DB-L is growing, but earnings are growing more, so the dividend growth is sustainable.
DP99.73%
EPS Next 2Y25.56%
EPS Next 3Y22.7%
EIF-DB-L.CA Yearly Income VS Free CF VS DividendEIF-DB-L.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M
EIF-DB-L.CA Dividend Payout.EIF-DB-L.CA Dividend Payout, showing the Payout Ratio.EIF-DB-L.CA Dividend Payout.PayoutRetained Earnings

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EXCHANGE INCOME CORP

TSX:EIF-DB-L (9/25/2025, 7:00:00 PM)

108.8

-27.2 (-20%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryPassenger Airlines
Earnings (Last)08-11 2025-08-11/amc
Earnings (Next)11-05 2025-11-05
Inst Owners11.35%
Inst Owner ChangeN/A
Ins Owners6.07%
Ins Owner ChangeN/A
Market Cap5.63B
Analysts81.18
Price Target124.65 (14.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend2.6
Dividend Growth(5Y)3.39%
DP99.73%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.59%
Min EPS beat(2)-10.57%
Max EPS beat(2)-2.6%
EPS beat(4)0
Avg EPS beat(4)-5.53%
Min EPS beat(4)-10.57%
Max EPS beat(4)-2.6%
EPS beat(8)1
Avg EPS beat(8)-4.98%
EPS beat(12)2
Avg EPS beat(12)-5.38%
EPS beat(16)6
Avg EPS beat(16)7.57%
Revenue beat(2)0
Avg Revenue beat(2)-1.67%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)-0.64%
Revenue beat(4)0
Avg Revenue beat(4)-3.34%
Min Revenue beat(4)-5.7%
Max Revenue beat(4)-0.64%
Revenue beat(8)2
Avg Revenue beat(8)-1.98%
Revenue beat(12)6
Avg Revenue beat(12)0.28%
Revenue beat(16)10
Avg Revenue beat(16)3.05%
PT rev (1m)-20.48%
PT rev (3m)-12.91%
EPS NQ rev (1m)1.71%
EPS NQ rev (3m)7.82%
EPS NY rev (1m)1.44%
EPS NY rev (3m)2.45%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)7.81%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)2.73%
Valuation
Industry RankSector Rank
PE 34.65
Fwd PE 23.39
P/S 2.02
P/FCF N/A
P/OCF 12.59
P/B 3.89
P/tB 19.99
EV/EBITDA 11.79
EPS(TTM)3.14
EY2.89%
EPS(NY)4.65
Fwd EY4.27%
FCF(TTM)-1.16
FCFYN/A
OCF(TTM)8.64
OCFY7.94%
SpS53.79
BVpS27.95
TBVpS5.44
PEG (NY)1.17
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.75%
ROE 9.07%
ROCE 8.1%
ROIC 5.96%
ROICexc 6.32%
ROICexgc 9.02%
OM 11.97%
PM (TTM) 4.71%
GM 37.29%
FCFM N/A
ROA(3y)2.91%
ROA(5y)2.52%
ROE(3y)9.73%
ROE(5y)8.37%
ROIC(3y)5.98%
ROIC(5y)5.34%
ROICexc(3y)6.18%
ROICexc(5y)5.52%
ROICexgc(3y)9.03%
ROICexgc(5y)8.05%
ROCE(3y)8.13%
ROCE(5y)7.25%
ROICexcg growth 3Y4.16%
ROICexcg growth 5Y1.41%
ROICexc growth 3Y5.19%
ROICexc growth 5Y0.27%
OM growth 3Y5.55%
OM growth 5Y0.17%
PM growth 3Y-2.07%
PM growth 5Y-6.07%
GM growth 3Y-0.42%
GM growth 5Y-1.74%
F-Score5
Asset Turnover0.58
Health
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF N/A
Debt/EBITDA 3.63
Cap/Depr 152.1%
Cap/Sales 18.22%
Interest Coverage 2.68
Cash Conversion 67.08%
Profit Quality N/A
Current Ratio 2.24
Quick Ratio 1.47
Altman-Z 2.01
F-Score5
WACC8.44%
ROIC/WACC0.71
Cap/Depr(3y)171.71%
Cap/Depr(5y)149%
Cap/Sales(3y)18.83%
Cap/Sales(5y)17.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.95%
EPS 3Y9.61%
EPS 5Y-0.27%
EPS Q2Q%14.29%
EPS Next Y29.63%
EPS Next 2Y25.56%
EPS Next 3Y22.7%
EPS Next 5Y14.12%
Revenue 1Y (TTM)6.87%
Revenue growth 3Y23.47%
Revenue growth 5Y14.67%
Sales Q2Q%8.99%
Revenue Next Year13.8%
Revenue Next 2Y12.79%
Revenue Next 3Y11.13%
Revenue Next 5Y15.45%
EBIT growth 1Y14.84%
EBIT growth 3Y30.33%
EBIT growth 5Y14.87%
EBIT Next Year108.55%
EBIT Next 3Y37.12%
EBIT Next 5Y29.03%
FCF growth 1Y11.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.27%
OCF growth 3Y7.79%
OCF growth 5Y10.45%