EXCHANGE INCOME CORP (EIF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:EIF - CA3012831077 - Common Stock
87.52 CAD
+0.14 (+0.16%)
We assign a fundamental rating of 5 out of 10 to EIF. EIF was compared to 6 industry peers in the Passenger Airlines industry. There are concerns on the financial health of EIF while its profitability can be described as average. EIF is quite expensive at the moment. It does show a decent growth rate. EIF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- EIF had positive earnings in the past year.
- EIF had a positive operating cash flow in the past year.
- In the past 5 years EIF has always been profitable.
- In the past 5 years EIF always reported a positive cash flow from operatings.
1.2 Ratios
- EIF's Return On Assets of 2.75% is amongst the best of the industry. EIF outperforms 83.33% of its industry peers.
- EIF's Return On Equity of 8.76% is amongst the best of the industry. EIF outperforms 100.00% of its industry peers.
- EIF has a better Return On Invested Capital (5.80%) than 66.67% of its industry peers.
- EIF had an Average Return On Invested Capital over the past 3 years of 5.98%. This is in line with the industry average of 4.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.75% | ||
| ROE | 8.76% | ||
| ROIC | 5.8% |
ROA(3y)2.91%
ROA(5y)2.52%
ROE(3y)9.73%
ROE(5y)8.37%
ROIC(3y)5.98%
ROIC(5y)5.34%
1.3 Margins
- EIF's Profit Margin of 4.75% is amongst the best of the industry. EIF outperforms 83.33% of its industry peers.
- In the last couple of years the Profit Margin of EIF has declined.
- EIF has a Operating Margin of 11.47%. This is amongst the best in the industry. EIF outperforms 100.00% of its industry peers.
- In the last couple of years the Operating Margin of EIF has remained more or less at the same level.
- EIF has a worse Gross Margin (36.67%) than 66.67% of its industry peers.
- EIF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.47% | ||
| PM (TTM) | 4.75% | ||
| GM | 36.67% |
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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EIF is destroying value.
- EIF has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, EIF has more shares outstanding
- The debt/assets ratio for EIF is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.73, we must say that EIF is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of EIF (1.73) is better than 66.67% of its industry peers.
- A Debt/Equity ratio of 1.50 is on the high side and indicates that EIF has dependencies on debt financing.
- With a Debt to Equity ratio value of 1.50, EIF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.5 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.73 |
ROIC/WACC0.69
WACC8.36%
2.3 Liquidity
- EIF has a Current Ratio of 1.79. This is a normal value and indicates that EIF is financially healthy and should not expect problems in meeting its short term obligations.
- EIF's Current ratio of 1.79 is amongst the best of the industry. EIF outperforms 83.33% of its industry peers.
- A Quick Ratio of 1.14 indicates that EIF should not have too much problems paying its short term obligations.
- The Quick ratio of EIF (1.14) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.79 | ||
| Quick Ratio | 1.14 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 15.68% over the past year.
- The Earnings Per Share has been decreasing by -0.27% on average over the past years.
- The Revenue has grown by 15.47% in the past year. This is quite good.
- The Revenue has been growing by 14.67% on average over the past years. This is quite good.
EPS 1Y (TTM)15.68%
EPS 3Y9.61%
EPS 5Y-0.27%
EPS Q2Q%15.25%
Revenue 1Y (TTM)15.47%
Revenue growth 3Y23.47%
Revenue growth 5Y14.67%
Sales Q2Q%35.2%
3.2 Future
- The Earnings Per Share is expected to grow by 19.12% on average over the next years. This is quite good.
- The Revenue is expected to grow by 14.29% on average over the next years. This is quite good.
EPS Next Y22.07%
EPS Next 2Y19.52%
EPS Next 3Y18.6%
EPS Next 5Y19.12%
Revenue Next Year20.1%
Revenue Next 2Y16.05%
Revenue Next 3Y12.76%
Revenue Next 5Y14.29%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 26.36, which means the current valuation is very expensive for EIF.
- EIF's Price/Earnings ratio is a bit cheaper when compared to the industry. EIF is cheaper than 66.67% of the companies in the same industry.
- EIF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.33.
- EIF is valuated rather expensively with a Price/Forward Earnings ratio of 20.77.
- Based on the Price/Forward Earnings ratio, EIF is valued a bit cheaper than 66.67% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. EIF is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.36 | ||
| Fwd PE | 20.77 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as EIF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.19 |
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.
- EIF's earnings are expected to grow with 18.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.19
PEG (5Y)N/A
EPS Next 2Y19.52%
EPS Next 3Y18.6%
5. Dividend
5.1 Amount
- EIF has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 1.02, EIF pays a better dividend. On top of this EIF pays more dividend than 100.00% of the companies listed in the same industry.
- EIF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
- The dividend of EIF has a limited annual growth rate of 3.39%.
- 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)3.39%
Div Incr Years3
Div Non Decr Years20
5.3 Sustainability
- EIF pays out 93.13% 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.
DP93.13%
EPS Next 2Y19.52%
EPS Next 3Y18.6%
TSX:EIF (1/14/2026, 7:00:00 PM)
87.52
+0.14 (+0.16%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryPassenger Airlines
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-24 2026-02-24
Inst Owners12.04%
Inst Owner ChangeN/A
Ins Owners5.76%
Ins Owner ChangeN/A
Market Cap4.76B
Revenue(TTM)3.04B
Net Income(TTM)144.13M
Analysts81.18
Price Target92.04 (5.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend2.6
Dividend Growth(5Y)3.39%
DP93.13%
Div Incr Years3
Div Non Decr Years20
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.78%
Min EPS beat(2)-6.96%
Max EPS beat(2)-2.6%
EPS beat(4)0
Avg EPS beat(4)-6.21%
Min EPS beat(4)-10.57%
Max EPS beat(4)-2.6%
EPS beat(8)1
Avg EPS beat(8)-4.82%
EPS beat(12)1
Avg EPS beat(12)-6.18%
EPS beat(16)5
Avg EPS beat(16)6.58%
Revenue beat(2)1
Avg Revenue beat(2)4.99%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)12.68%
Revenue beat(4)1
Avg Revenue beat(4)1.25%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)12.68%
Revenue beat(8)2
Avg Revenue beat(8)-0.82%
Revenue beat(12)6
Avg Revenue beat(12)0.82%
Revenue beat(16)10
Avg Revenue beat(16)3.03%
PT rev (1m)0%
PT rev (3m)10.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.36 | ||
| Fwd PE | 20.77 | ||
| P/S | 1.57 | ||
| P/FCF | N/A | ||
| P/OCF | 9.37 | ||
| P/B | 2.89 | ||
| P/tB | 10.28 | ||
| EV/EBITDA | 10.19 |
EPS(TTM)3.32
EY3.79%
EPS(NY)4.21
Fwd EY4.81%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)9.34
OCFY10.68%
SpS55.83
BVpS30.25
TBVpS8.51
PEG (NY)1.19
PEG (5Y)N/A
Graham Number47.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.75% | ||
| ROE | 8.76% | ||
| ROCE | 7.88% | ||
| ROIC | 5.8% | ||
| ROICexc | 5.91% | ||
| ROICexgc | 8.12% | ||
| OM | 11.47% | ||
| PM (TTM) | 4.75% | ||
| GM | 36.67% | ||
| 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%
ROICexgc growth 3Y4.16%
ROICexgc 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-Score6
Asset Turnover0.58
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.5 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 3.51 | ||
| Cap/Depr | 158.77% | ||
| Cap/Sales | 18.66% | ||
| Interest Coverage | 2.8 | ||
| Cash Conversion | 72.07% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.79 | ||
| Quick Ratio | 1.14 | ||
| Altman-Z | 1.73 |
F-Score6
WACC8.36%
ROIC/WACC0.69
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)15.68%
EPS 3Y9.61%
EPS 5Y-0.27%
EPS Q2Q%15.25%
EPS Next Y22.07%
EPS Next 2Y19.52%
EPS Next 3Y18.6%
EPS Next 5Y19.12%
Revenue 1Y (TTM)15.47%
Revenue growth 3Y23.47%
Revenue growth 5Y14.67%
Sales Q2Q%35.2%
Revenue Next Year20.1%
Revenue Next 2Y16.05%
Revenue Next 3Y12.76%
Revenue Next 5Y14.29%
EBIT growth 1Y14.04%
EBIT growth 3Y30.33%
EBIT growth 5Y14.87%
EBIT Next Year109.31%
EBIT Next 3Y37.98%
EBIT Next 5Y28.97%
FCF growth 1Y38.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y43.83%
OCF growth 3Y7.79%
OCF growth 5Y10.45%
EXCHANGE INCOME CORP / EIF.CA FAQ
Can you provide the ChartMill fundamental rating for EXCHANGE INCOME CORP?
ChartMill assigns a fundamental rating of 5 / 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.
Can you provide the profitability details for EXCHANGE INCOME CORP?
EXCHANGE INCOME CORP (EIF.CA) has a profitability rating of 6 / 10.
What are the PE and PB ratios of EXCHANGE INCOME CORP (EIF.CA) stock?
The Price/Earnings (PE) ratio for EXCHANGE INCOME CORP (EIF.CA) is 26.36 and the Price/Book (PB) ratio is 2.89.
How financially healthy is EXCHANGE INCOME CORP?
The financial health rating of EXCHANGE INCOME CORP (EIF.CA) is 3 / 10.