EXCHANGE INCOME CORP (EIF.CA) Fundamental Analysis & Valuation

TSX:EIF • CA3012831077

Current stock price

105.17 CAD
-1.47 (-1.38%)
Last:

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

6

1. EIF.CA Profitability Analysis

1.1 Basic Checks

  • In the past year EIF was profitable.
  • In the past year EIF had a positive cash flow from operations.
  • Each year in the past 5 years EIF has been profitable.
  • EIF had a positive operating cash flow in each of the past 5 years.
EIF.CA Yearly Net Income VS EBIT VS OCF VS FCFEIF.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 200M 400M 600M

1.2 Ratios

  • EIF has a Return On Assets (3.18%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 9.53%, EIF is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • EIF has a better Return On Invested Capital (6.03%) than 66.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EIF is in line with the industry average of 5.94%.
  • The last Return On Invested Capital (6.03%) for EIF is above the 3 year average (5.99%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.18%
ROE 9.53%
ROIC 6.03%
ROA(3y)2.94%
ROA(5y)2.91%
ROE(3y)9.32%
ROE(5y)9.46%
ROIC(3y)5.99%
ROIC(5y)5.75%
EIF.CA Yearly ROA, ROE, ROICEIF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 5.11%, EIF is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of EIF has grown nicely.
  • With an excellent Operating Margin value of 11.27%, EIF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • EIF's Operating Margin has improved in the last couple of years.
  • EIF's Gross Margin of 36.52% is on the low side compared to the rest of the industry. EIF is outperformed by 66.67% of its industry peers.
  • EIF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.27%
PM (TTM) 5.11%
GM 36.52%
OM growth 3Y-0.65%
OM growth 5Y4.97%
PM growth 3Y-1.36%
PM growth 5Y15.9%
GM growth 3Y1.89%
GM growth 5Y-1.67%
EIF.CA Yearly Profit, Operating, Gross MarginsEIF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. EIF.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EIF is destroying value.
  • The number of shares outstanding for EIF has been increased compared to 1 year ago.
  • Compared to 5 years ago, EIF has more shares outstanding
  • EIF has a better debt/assets ratio than last year.
EIF.CA Yearly Shares OutstandingEIF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
EIF.CA Yearly Total Debt VS Total AssetsEIF.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • EIF has an Altman-Z score of 1.98. This is not the best score and indicates that EIF is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.98, EIF is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • EIF has a Debt/Equity ratio of 1.35. This is a high value indicating a heavy dependency on external financing.
  • EIF has a Debt to Equity ratio (1.35) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF N/A
Altman-Z 1.98
ROIC/WACC0.7
WACC8.59%
EIF.CA Yearly LT Debt VS Equity VS FCFEIF.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 500M 1B 1.5B 2B

2.3 Liquidity

  • EIF has a Current Ratio of 1.71. This is a normal value and indicates that EIF is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.71, EIF belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
  • A Quick Ratio of 1.07 indicates that EIF should not have too much problems paying its short term obligations.
  • The Quick ratio of EIF (1.07) is better than 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.71
Quick Ratio 1.07
EIF.CA Yearly Current Assets VS Current LiabilitesEIF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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8

3. EIF.CA Growth Analysis

3.1 Past

  • EIF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.68%, which is quite impressive.
  • Measured over the past years, EIF shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.13% on average per year.
  • Looking at the last year, EIF shows a very strong growth in Revenue. The Revenue has grown by 23.22%.
  • The Revenue has been growing by 23.31% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)20.68%
EPS 3Y5.52%
EPS 5Y22.13%
EPS Q2Q%30%
Revenue 1Y (TTM)23.22%
Revenue growth 3Y16.75%
Revenue growth 5Y23.31%
Sales Q2Q%35.17%

3.2 Future

  • EIF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.60% yearly.
  • Based on estimates for the next years, EIF will show a quite strong growth in Revenue. The Revenue will grow by 10.45% on average per year.
EPS Next Y17.58%
EPS Next 2Y19.35%
EPS Next 3Y15.71%
EPS Next 5Y11.6%
Revenue Next Year15.93%
Revenue Next 2Y11.39%
Revenue Next 3Y10%
Revenue Next 5Y10.45%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
EIF.CA Yearly Revenue VS EstimatesEIF.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B
EIF.CA Yearly EPS VS EstimatesEIF.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 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. EIF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 29.54, the valuation of EIF can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of EIF indicates a somewhat cheap valuation: EIF is cheaper than 66.67% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of EIF to the average of the S&P500 Index (26.17), we can say EIF is valued inline with the index average.
  • A Price/Forward Earnings ratio of 25.12 indicates a quite expensive valuation of EIF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EIF is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 23.05. EIF is around the same levels.
Industry RankSector Rank
PE 29.54
Fwd PE 25.12
EIF.CA Price Earnings VS Forward Price EarningsEIF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as EIF.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.87
EIF.CA Per share dataEIF.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.
  • The decent profitability rating of EIF may justify a higher PE ratio.
  • A more expensive valuation may be justified as EIF's earnings are expected to grow with 15.71% in the coming years.
PEG (NY)1.68
PEG (5Y)1.33
EPS Next 2Y19.35%
EPS Next 3Y15.71%

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

7

5. EIF.CA Dividend Analysis

5.1 Amount

  • EIF has a Yearly Dividend Yield of 2.70%.
  • Compared to an average industry Dividend Yield of 0.99, EIF pays a better dividend. On top of this EIF pays more dividend than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, EIF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.7%

5.2 History

  • The dividend of EIF has a limited annual growth rate of 3.03%.
  • EIF has paid a dividend for at least 10 years, which is a reliable track record.
  • EIF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.03%
Div Incr Years4
Div Non Decr Years21
EIF.CA Yearly Dividends per shareEIF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • EIF pays out 83.49% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of EIF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP83.49%
EPS Next 2Y19.35%
EPS Next 3Y15.71%
EIF.CA Yearly Income VS Free CF VS DividendEIF.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M
EIF.CA Dividend Payout.EIF.CA Dividend Payout, showing the Payout Ratio.EIF.CA Dividend Payout.PayoutRetained Earnings

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EIF.CA Fundamentals: All Metrics, Ratios and Statistics

EXCHANGE INCOME CORP

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

105.17

-1.47 (-1.38%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryPassenger Airlines
Earnings (Last)02-24
Earnings (Next)05-11
Inst Owners13.57%
Inst Owner ChangeN/A
Ins Owners5.57%
Ins Owner ChangeN/A
Market Cap5.92B
Revenue(TTM)3.28B
Net Income(TTM)167.52M
Analysts81.25
Price Target124.7 (18.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
Yearly Dividend2.65
Dividend Growth(5Y)3.03%
DP83.49%
Div Incr Years4
Div Non Decr Years21
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.76%
Min EPS beat(2)-6.96%
Max EPS beat(2)3.44%
EPS beat(4)1
Avg EPS beat(4)-4.17%
Min EPS beat(4)-10.57%
Max EPS beat(4)3.44%
EPS beat(8)2
Avg EPS beat(8)-4.1%
EPS beat(12)2
Avg EPS beat(12)-5.82%
EPS beat(16)5
Avg EPS beat(16)5.22%
Revenue beat(2)2
Avg Revenue beat(2)8.81%
Min Revenue beat(2)4.94%
Max Revenue beat(2)12.68%
Revenue beat(4)2
Avg Revenue beat(4)3.57%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)12.68%
Revenue beat(8)2
Avg Revenue beat(8)-0.25%
Revenue beat(12)6
Avg Revenue beat(12)0.94%
Revenue beat(16)10
Avg Revenue beat(16)3.16%
PT rev (1m)18.02%
PT rev (3m)35.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)40.74%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.67%
Revenue NQ rev (1m)1.09%
Revenue NQ rev (3m)8.17%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)3.42%
Valuation
Industry RankSector Rank
PE 29.54
Fwd PE 25.12
P/S 1.8
P/FCF N/A
P/OCF 9.13
P/B 3.37
P/tB 10.13
EV/EBITDA 10.87
EPS(TTM)3.56
EY3.38%
EPS(NY)4.19
Fwd EY3.98%
FCF(TTM)-1.46
FCFYN/A
OCF(TTM)11.52
OCFY10.95%
SpS58.27
BVpS31.24
TBVpS10.38
PEG (NY)1.68
PEG (5Y)1.33
Graham Number50.03
Profitability
Industry RankSector Rank
ROA 3.18%
ROE 9.53%
ROCE 8.29%
ROIC 6.03%
ROICexc 6.24%
ROICexgc 8.57%
OM 11.27%
PM (TTM) 5.11%
GM 36.52%
FCFM N/A
ROA(3y)2.94%
ROA(5y)2.91%
ROE(3y)9.32%
ROE(5y)9.46%
ROIC(3y)5.99%
ROIC(5y)5.75%
ROICexc(3y)6.16%
ROICexc(5y)5.94%
ROICexgc(3y)8.77%
ROICexgc(5y)8.6%
ROCE(3y)8.24%
ROCE(5y)7.89%
ROICexgc growth 3Y-1.83%
ROICexgc growth 5Y9.66%
ROICexc growth 3Y0.79%
ROICexc growth 5Y10.2%
OM growth 3Y-0.65%
OM growth 5Y4.97%
PM growth 3Y-1.36%
PM growth 5Y15.9%
GM growth 3Y1.89%
GM growth 5Y-1.67%
F-Score7
Asset Turnover0.62
Health
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF N/A
Debt/EBITDA 3.15
Cap/Depr 189.69%
Cap/Sales 22.28%
Interest Coverage 3.01
Cash Conversion 85.89%
Profit Quality N/A
Current Ratio 1.71
Quick Ratio 1.07
Altman-Z 1.98
F-Score7
WACC8.59%
ROIC/WACC0.7
Cap/Depr(3y)179.32%
Cap/Depr(5y)170.95%
Cap/Sales(3y)20.32%
Cap/Sales(5y)19.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.68%
EPS 3Y5.52%
EPS 5Y22.13%
EPS Q2Q%30%
EPS Next Y17.58%
EPS Next 2Y19.35%
EPS Next 3Y15.71%
EPS Next 5Y11.6%
Revenue 1Y (TTM)23.22%
Revenue growth 3Y16.75%
Revenue growth 5Y23.31%
Sales Q2Q%35.17%
Revenue Next Year15.93%
Revenue Next 2Y11.39%
Revenue Next 3Y10%
Revenue Next 5Y10.45%
EBIT growth 1Y16.31%
EBIT growth 3Y15.99%
EBIT growth 5Y29.43%
EBIT Next Year127.65%
EBIT Next 3Y39.75%
EBIT Next 5Y32.55%
FCF growth 1Y38.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y81.49%
OCF growth 3Y24.58%
OCF growth 5Y20.04%

EXCHANGE INCOME CORP / EIF.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for EXCHANGE INCOME CORP?

ChartMill assigns a fundamental rating of 6 / 10 to EIF.CA.


What is the valuation status for EIF stock?

ChartMill assigns a valuation rating of 3 / 10 to EXCHANGE INCOME CORP (EIF.CA). This can be considered as Overvalued.


What is the profitability of EIF stock?

EXCHANGE INCOME CORP (EIF.CA) has a profitability rating of 6 / 10.


What is the financial health of EXCHANGE INCOME CORP (EIF.CA) stock?

The financial health rating of EXCHANGE INCOME CORP (EIF.CA) is 4 / 10.


How sustainable is the dividend of EXCHANGE INCOME CORP (EIF.CA) stock?

The dividend rating of EXCHANGE INCOME CORP (EIF.CA) is 7 / 10 and the dividend payout ratio is 83.49%.