GOLDMONEY INC(TSX:XAU) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, XAU scores 3 out of 10 in our fundamental rating. XAU was compared to 16 industry peers in the Specialty Retail industry. XAU has only an average score on both its financial health and profitability. XAU is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year XAU has reported negative net income.

In the past year XAU had a positive cash flow from operations.

In multiple years XAU reported negative net income over the last 5 years.

Of the past 5 years XAU 4 years had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of -8.85%, XAU is not doing good in the industry: 68.75% of the companies in the same industry are doing better.

The Return On Equity of XAU (-18.33%) is worse than 62.50% of its industry peers.

XAU has a Return On Invested Capital of 7.47%. This is amongst the best in the industry. XAU outperforms 81.25% of its industry peers.

The Average Return On Invested Capital over the past 3 years for XAU is in line with the industry average of 6.49%.

The 3 year average ROIC (7.20%) for XAU is below the current ROIC(7.47%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	-8.85%
ROE	-18.33%
ROIC	7.47%

ROA(3y)-4.21%

ROA(5y)-2.35%

ROE(3y)-5.58%

ROE(5y)-3.17%

ROIC(3y)7.2%

ROIC(5y)N/A

1.3 Margins

XAU has a Operating Margin of 24.87%. This is amongst the best in the industry. XAU outperforms 87.50% of its industry peers.

In the last couple of years the Operating Margin of XAU has grown nicely.

XAU has a Gross Margin (37.29%) which is in line with its industry peers.

XAU's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	24.87%
PM (TTM)	N/A
GM	37.29%

OM growth 3Y217%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y106.61%

GM growth 5Y62.72%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so XAU is destroying value.

XAU has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, XAU has less shares outstanding

The debt/assets ratio for XAU is higher compared to a year ago.

2.2 Solvency

XAU has an Altman-Z score of 0.79. This is a bad value and indicates that XAU is not financially healthy and even has some risk of bankruptcy.

XAU has a Altman-Z score of 0.79. This is in the lower half of the industry: XAU underperforms 68.75% of its industry peers.

The Debt to FCF ratio of XAU is 2.38, which is a good value as it means it would take XAU, 2.38 years of fcf income to pay off all of its debts.

XAU's Debt to FCF ratio of 2.38 is fine compared to the rest of the industry. XAU outperforms 75.00% of its industry peers.

XAU has a Debt/Equity ratio of 0.54. This is a neutral value indicating XAU is somewhat dependend on debt financing.

The Debt to Equity ratio of XAU (0.54) is better than 68.75% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.54
Debt/FCF	2.38
Altman-Z	0.79

ROIC/WACC0.99

WACC7.54%

2.3 Liquidity

A Current Ratio of 1.05 indicates that XAU should not have too much problems paying its short term obligations.

XAU has a Current ratio of 1.05. This is in the lower half of the industry: XAU underperforms 68.75% of its industry peers.

A Quick Ratio of 1.02 indicates that XAU should not have too much problems paying its short term obligations.

XAU has a better Quick ratio (1.02) than 75.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.05
Quick Ratio	1.02

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

XAU shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -779.03%.

XAU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -49.18%.

XAU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -24.81% yearly.

EPS 1Y (TTM)-779.03%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%4.38%

Revenue 1Y (TTM)-49.18%

Revenue growth 3Y-53.15%

Revenue growth 5Y-24.81%

Sales Q2Q%2.09%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

XAU reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, XAU is valued a bit cheaper than 68.75% of the companies in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of XAU indicates a rather cheap valuation: XAU is cheaper than 87.50% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.9
EV/EBITDA	8.3

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

XAU does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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GOLDMONEY INC

TSX:XAU (4/29/2025, 7:00:00 PM)

7.94

-0.02 (-0.25%)

Chartmill FA Rating

GICS SectorConsumer Discretionary

GICS IndustryGroupConsumer Discretionary Distribution & Retail

GICS IndustrySpecialty Retail

Earnings (Last)06-20 2024-06-20

Earnings (Next)N/A N/A

Inst Owners22.88%

Inst Owner ChangeN/A

Ins Owners35.78%

Ins Owner ChangeN/A

Market Cap102.66M

Analysts80

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

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)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	1.24
P/FCF	2.9
P/OCF	2.71
P/B	0.67
P/tB	0.76
EV/EBITDA	8.3

EPS(TTM)-2.1

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.74

FCFY34.47%

OCF(TTM)2.93

OCFY36.87%

SpS6.41

BVpS11.79

TBVpS10.51

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-8.85%
ROE	-18.33%
ROCE	8.81%
ROIC	7.47%
ROICexc	7.78%
ROICexgc	8.4%
OM	24.87%
PM (TTM)	N/A
GM	37.29%
FCFM	42.67%

ROA(3y)-4.21%

ROA(5y)-2.35%

ROE(3y)-5.58%

ROE(5y)-3.17%

ROIC(3y)7.2%

ROIC(5y)N/A

ROICexc(3y)8.59%

ROICexc(5y)N/A

ROICexgc(3y)10.77%

ROICexgc(5y)N/A

ROCE(3y)8.49%

ROCE(5y)N/A

ROICexcg growth 3Y25.79%

ROICexcg growth 5YN/A

ROICexc growth 3Y41.08%

ROICexc growth 5YN/A

OM growth 3Y217%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y106.61%

GM growth 5Y62.72%

F-Score5

Asset Turnover0.26

Health

		Industry Rank	Sector Rank
Debt/Equity	0.54
Debt/FCF	2.38
Debt/EBITDA	3.82
Cap/Depr	318.82%
Cap/Sales	2.97%
Interest Coverage	250
Cash Conversion	176.9%
Profit Quality	N/A
Current Ratio	1.05
Quick Ratio	1.02
Altman-Z	0.79

F-Score5

WACC7.54%

ROIC/WACC0.99

Cap/Depr(3y)5925.96%

Cap/Depr(5y)3557.2%

Cap/Sales(3y)68.76%

Cap/Sales(5y)41.26%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-779.03%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%4.38%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-49.18%

Revenue growth 3Y-53.15%

Revenue growth 5Y-24.81%

Sales Q2Q%2.09%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y10.59%

EBIT growth 3Y48.52%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y337.47%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y365.64%

OCF growth 3Y446.9%

OCF growth 5YN/A

GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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