CI Financial Corp (CIX.CA) Fundamental Analysis & Valuation

TSX:CIX • CA1254911003

Current stock price

31.99 CAD
0 (0%)
Last:

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

4

1. CIX.CA Profitability Analysis

1.1 Basic Checks

  • In the past year CIX was profitable.
  • In the past year CIX had a positive cash flow from operations.
  • CIX had positive earnings in 4 of the past 5 years.
  • In the past 5 years CIX always reported a positive cash flow from operatings.
CIX.CA Yearly Net Income VS EBIT VS OCF VS FCFCIX.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 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

  • CIX's Return On Assets of -2.72% is on the low side compared to the rest of the industry. CIX is outperformed by 76.83% of its industry peers.
  • CIX has a worse Return On Equity (-62.17%) than 86.59% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 9.20%, CIX belongs to the top of the industry, outperforming 82.93% of the companies in the same industry.
  • CIX had an Average Return On Invested Capital over the past 3 years of 7.66%. This is below the industry average of 10.97%.
  • The last Return On Invested Capital (9.20%) for CIX is above the 3 year average (7.66%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -2.72%
ROE -62.17%
ROIC 9.2%
ROA(3y)-0.23%
ROA(5y)2.31%
ROE(3y)-27.12%
ROE(5y)-5.1%
ROIC(3y)7.66%
ROIC(5y)8.88%
CIX.CA Yearly ROA, ROE, ROICCIX.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

  • CIX has a Operating Margin (20.24%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of CIX has declined.
  • CIX has a better Gross Margin (82.50%) than 82.93% of its industry peers.
  • CIX's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 20.24%
PM (TTM) N/A
GM 82.5%
OM growth 3Y-26.25%
OM growth 5Y-17.67%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.37%
GM growth 5Y-1.76%
CIX.CA Yearly Profit, Operating, Gross MarginsCIX.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. CIX.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for CIX has been reduced compared to 1 year ago.
  • CIX has less shares outstanding than it did 5 years ago.
  • CIX has a worse debt/assets ratio than last year.
CIX.CA Yearly Shares OutstandingCIX.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
CIX.CA Yearly Total Debt VS Total AssetsCIX.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.17, we must say that CIX is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.17, CIX is doing worse than 78.05% of the companies in the same industry.
  • The Debt to FCF ratio of CIX is 9.62, which is on the high side as it means it would take CIX, 9.62 years of fcf income to pay off all of its debts.
  • CIX's Debt to FCF ratio of 9.62 is fine compared to the rest of the industry. CIX outperforms 63.41% of its industry peers.
  • CIX has a Debt/Equity ratio of 7.95. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CIX (7.95) is worse than 87.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.95
Debt/FCF 9.62
Altman-Z 0.17
ROIC/WACCN/A
WACCN/A
CIX.CA Yearly LT Debt VS Equity VS FCFCIX.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 0.33 indicates that CIX may have some problems paying its short term obligations.
  • With a Current ratio value of 0.33, CIX is not doing good in the industry: 84.15% of the companies in the same industry are doing better.
  • CIX has a Quick Ratio of 0.33. This is a bad value and indicates that CIX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CIX has a Quick ratio of 0.33. This is amonst the worse of the industry: CIX underperforms 84.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
CIX.CA Yearly Current Assets VS Current LiabilitesCIX.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CIX.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.79% over the past year.
  • The Earnings Per Share has been growing by 9.48% on average over the past years. This is quite good.
  • CIX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.99%.
  • The Revenue has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)14.79%
EPS 3Y6.7%
EPS 5Y9.48%
EPS Q2Q%-1.11%
Revenue 1Y (TTM)12.99%
Revenue growth 3Y11.06%
Revenue growth 5Y6.96%
Sales Q2Q%-8.84%

3.2 Future

  • Based on estimates for the next years, CIX will show a small growth in Earnings Per Share. The EPS will grow by 5.59% on average per year.
  • The Revenue is expected to grow by 3.39% on average over the next years.
EPS Next Y11.35%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
EPS Next 5Y5.59%
Revenue Next Year2.26%
Revenue Next 2Y2.39%
Revenue Next 3Y-3.24%
Revenue Next 5Y3.39%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CIX.CA Yearly Revenue VS EstimatesCIX.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1B 2B 3B 4B
CIX.CA Yearly EPS VS EstimatesCIX.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6

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Find the best growth stocksShow best growing peers

7

4. CIX.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.24 indicates a reasonable valuation of CIX.
  • The rest of the industry has a similar Price/Earnings ratio as CIX.
  • CIX is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.97, the valuation of CIX can be described as very cheap.
  • CIX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CIX is cheaper than 69.51% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CIX to the average of the S&P500 Index (23.72), we can say CIX is valued rather cheaply.
Industry RankSector Rank
PE 8.24
Fwd PE 6.97
CIX.CA Price Earnings VS Forward Price EarningsCIX.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIX indicates a somewhat cheap valuation: CIX is cheaper than 62.20% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIX indicates a rather cheap valuation: CIX is cheaper than 81.71% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.97
EV/EBITDA 9.92
CIX.CA Per share dataCIX.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)0.87
EPS Next 2Y10.02%
EPS Next 3Y4.73%

More info and screens

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

5

5. CIX.CA Dividend Analysis

5.1 Amount

  • CIX has a Yearly Dividend Yield of 2.50%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.20, CIX pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, CIX pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.5%

5.2 History

  • The dividend of CIX has a limited annual growth rate of 1.95%.
  • CIX has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CIX has decreased its dividend recently.
Dividend Growth(5Y)1.95%
Div Incr Years1
Div Non Decr Years1
CIX.CA Yearly Dividends per shareCIX.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • The earnings of CIX are negative and hence is the payout ratio. CIX will probably not be able to sustain this dividend level.
  • CIX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-38.71%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
CIX.CA Yearly Income VS Free CF VS DividendCIX.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

More info and screens

Find the best dividend stocksShow peers with best dividend

CIX.CA Fundamentals: All Metrics, Ratios and Statistics

CI Financial Corp

TSX:CIX (8/14/2025, 7:00:00 PM)

31.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-05
Earnings (Next)11-12
Inst Owners14.23%
Inst Owner ChangeN/A
Ins Owners16.8%
Ins Owner ChangeN/A
Market Cap4.61B
Revenue(TTM)3.12B
Net Income(TTM)-299.76M
Analysts46
Price Target32.13 (0.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.5%
Yearly Dividend0.81
Dividend Growth(5Y)1.95%
DP-38.71%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.94%
Min EPS beat(2)-2.01%
Max EPS beat(2)0.14%
EPS beat(4)3
Avg EPS beat(4)3.9%
Min EPS beat(4)-2.01%
Max EPS beat(4)9.32%
EPS beat(8)6
Avg EPS beat(8)2.42%
EPS beat(12)7
Avg EPS beat(12)2.11%
EPS beat(16)9
Avg EPS beat(16)1.37%
Revenue beat(2)2
Avg Revenue beat(2)6.29%
Min Revenue beat(2)0.53%
Max Revenue beat(2)12.04%
Revenue beat(4)3
Avg Revenue beat(4)0.65%
Min Revenue beat(4)-14.02%
Max Revenue beat(4)12.04%
Revenue beat(8)5
Avg Revenue beat(8)2.65%
Revenue beat(12)9
Avg Revenue beat(12)3.61%
Revenue beat(16)9
Avg Revenue beat(16)-1.43%
PT rev (1m)3.28%
PT rev (3m)2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.98%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.73%
Revenue NY rev (3m)1.73%
Valuation
Industry RankSector Rank
PE 8.24
Fwd PE 6.97
P/S 1.48
P/FCF 9.97
P/OCF 9.02
P/B 9.57
P/tB N/A
EV/EBITDA 9.92
EPS(TTM)3.88
EY12.13%
EPS(NY)4.59
Fwd EY14.34%
FCF(TTM)3.21
FCFY10.03%
OCF(TTM)3.55
OCFY11.08%
SpS21.61
BVpS3.34
TBVpS-52.88
PEG (NY)0.73
PEG (5Y)0.87
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.72%
ROE -62.17%
ROCE 12.77%
ROIC 9.2%
ROICexc 9.58%
ROICexgc N/A
OM 20.24%
PM (TTM) N/A
GM 82.5%
FCFM 14.85%
ROA(3y)-0.23%
ROA(5y)2.31%
ROE(3y)-27.12%
ROE(5y)-5.1%
ROIC(3y)7.66%
ROIC(5y)8.88%
ROICexc(3y)7.95%
ROICexc(5y)9.56%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)10.64%
ROCE(5y)12.33%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-10.17%
ROICexc growth 5Y-18.16%
OM growth 3Y-26.25%
OM growth 5Y-17.67%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.37%
GM growth 5Y-1.76%
F-Score4
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 7.95
Debt/FCF 9.62
Debt/EBITDA 4.31
Cap/Depr 18.94%
Cap/Sales 1.57%
Interest Coverage 2.72
Cash Conversion 57.58%
Profit Quality N/A
Current Ratio 0.33
Quick Ratio 0.33
Altman-Z 0.17
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)29.4%
Cap/Depr(5y)35.19%
Cap/Sales(3y)2.17%
Cap/Sales(5y)1.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.79%
EPS 3Y6.7%
EPS 5Y9.48%
EPS Q2Q%-1.11%
EPS Next Y11.35%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
EPS Next 5Y5.59%
Revenue 1Y (TTM)12.99%
Revenue growth 3Y11.06%
Revenue growth 5Y6.96%
Sales Q2Q%-8.84%
Revenue Next Year2.26%
Revenue Next 2Y2.39%
Revenue Next 3Y-3.24%
Revenue Next 5Y3.39%
EBIT growth 1Y49.74%
EBIT growth 3Y-18.1%
EBIT growth 5Y-11.94%
EBIT Next Year64.14%
EBIT Next 3Y7.37%
EBIT Next 5Y18.31%
FCF growth 1Y13.97%
FCF growth 3Y-10.64%
FCF growth 5Y-3.17%
OCF growth 1Y14.85%
OCF growth 3Y-5.55%
OCF growth 5Y0.11%

CI Financial Corp / CIX.CA Fundamental Analysis FAQ

What is the fundamental rating for CIX stock?

ChartMill assigns a fundamental rating of 4 / 10 to CIX.CA.


Can you provide the valuation status for CI Financial Corp?

ChartMill assigns a valuation rating of 6 / 10 to CI Financial Corp (CIX.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for CI Financial Corp?

CI Financial Corp (CIX.CA) has a profitability rating of 4 / 10.


How financially healthy is CI Financial Corp?

The financial health rating of CI Financial Corp (CIX.CA) is 2 / 10.


How sustainable is the dividend of CI Financial Corp (CIX.CA) stock?

The dividend rating of CI Financial Corp (CIX.CA) is 4 / 10 and the dividend payout ratio is -38.71%.