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

  • EIF had positive earnings in the past year.
  • EIF had a positive operating cash flow in the past year.
  • Each year in the past 5 years EIF has been profitable.
  • In the past 5 years EIF always reported a positive cash flow from operatings.
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

  • With a Return On Assets value of 3.18%, EIF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • EIF has a Return On Equity (9.53%) which is comparable to the rest of the industry.
  • EIF's Return On Invested Capital of 6.03% is fine compared to the rest of the industry. EIF outperforms 66.67% of its industry peers.
  • EIF had an Average Return On Invested Capital over the past 3 years of 5.99%. This is in line with the industry average of 5.94%.
  • The 3 year average ROIC (5.99%) for EIF is below the current ROIC(6.03%), indicating increased profibility in the last year.
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

  • With a Profit Margin value of 5.11%, EIF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • EIF's Profit Margin has improved in the last couple of years.
  • The Operating Margin of EIF (11.27%) is better than 100.00% of its industry peers.
  • EIF's Operating Margin has improved in the last couple of years.
  • EIF has a worse Gross Margin (36.52%) than 66.67% of its industry peers.
  • In the last couple of years the Gross Margin of EIF has declined.
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.
  • The number of shares outstanding for EIF has been increased compared to 5 years ago.
  • 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

  • An Altman-Z score of 1.98 indicates that EIF is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of EIF (1.98) is better than 66.67% of its industry peers.
  • 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
WACC8.61%
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.
  • EIF has a better Current ratio (1.71) than 83.33% of its industry peers.
  • 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.
  • EIF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.13% yearly.
  • The Revenue has grown by 23.22% in the past year. This is a very strong growth!
  • EIF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.31% yearly.
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.
  • The Revenue is expected to grow by 10.45% on average over the next years. This is quite good.
EPS Next Y17.58%
EPS Next 2Y19.35%
EPS Next 3Y15.71%
EPS Next 5Y11.6%
Revenue Next Year15.41%
Revenue Next 2Y11.33%
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

  • The Price/Earnings ratio is 29.54, which means the current valuation is very expensive for EIF.
  • Based on the Price/Earnings ratio, EIF is valued a bit cheaper than 66.67% of the companies in the same industry.
  • EIF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 25.12, which means the current valuation is very expensive for EIF.
  • EIF's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of EIF to the average of the S&P500 Index (22.84), we can say EIF is valued inline with the index average.
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

  • EIF's Enterprise Value to EBITDA ratio is in line with the industry average.
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.
  • EIF has a very decent profitability rating, which 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

  • With a Yearly Dividend Yield of 2.70%, EIF has a reasonable but not impressive dividend return.
  • EIF's Dividend Yield is rather good when compared to the industry average which is at 0.99. EIF pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.03%
Div Incr Years3
Div Non Decr Years20
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.
  • EIF's earnings are growing more than its dividend. This makes the dividend growth 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 Years3
Div Non Decr Years20
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)7.13%
EPS NQ rev (3m)40.74%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)-0.67%
Revenue NQ rev (1m)8.76%
Revenue NQ rev (3m)8.17%
Revenue NY rev (1m)1.57%
Revenue NY rev (3m)2.96%
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
WACC8.61%
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 Year15.41%
Revenue Next 2Y11.33%
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%.