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

  • CIX had positive earnings in the past year.
  • CIX had a positive operating cash flow in the past year.
  • Of the past 5 years CIX 4 years were profitable.
  • Each year in the past 5 years CIX had a positive operating cash flow.
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 has a Return On Assets of -2.72%. This is in the lower half of the industry: CIX underperforms 76.83% of its industry peers.
  • CIX's Return On Equity of -62.17% is on the low side compared to the rest of the industry. CIX is outperformed by 86.59% of its industry peers.
  • CIX has a better Return On Invested Capital (9.20%) than 82.93% of its industry peers.
  • 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

  • The Operating Margin of CIX (20.24%) is comparable to the rest of the industry.
  • CIX's Operating Margin has declined in the last couple of years.
  • CIX has a Gross Margin of 82.50%. This is amongst the best in the industry. CIX outperforms 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.
  • The number of shares outstanding for CIX has been reduced compared to 5 years ago.
  • Compared to 1 year ago, CIX has a worse debt to assets ratio.
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.
  • CIX has a worse Altman-Z score (0.17) than 78.05% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 9.62, CIX is in the better half of the industry, outperforming 63.41% of the companies in the same industry.
  • A Debt/Equity ratio of 7.95 is on the high side and indicates that CIX has dependencies on debt financing.
  • CIX has a worse Debt to Equity ratio (7.95) 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

  • CIX has a Current 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.
  • The Current ratio of CIX (0.33) is worse than 84.15% of its industry peers.
  • 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's Quick ratio of 0.33 is on the low side compared to the rest of the industry. CIX is outperformed by 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

  • CIX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.79%, which is quite good.
  • CIX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.48% yearly.
  • The Revenue has grown by 12.99% in the past year. This is quite good.
  • 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

  • CIX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
  • CIX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • The Price/Earnings ratio is 8.24, which indicates a very decent valuation of CIX.
  • Compared to the rest of the industry, the Price/Earnings ratio of CIX is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CIX is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.97 indicates a rather cheap valuation of CIX.
  • Based on the Price/Forward Earnings ratio, CIX is valued a bit cheaper than the industry average as 69.51% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, 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

  • Based on the Enterprise Value to EBITDA ratio, CIX is valued a bit cheaper than 62.20% of the companies in the same industry.
  • CIX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CIX is cheaper than 81.71% of the companies 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

  • CIX's 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%.
  • CIX's Dividend Yield is a higher than the industry average which is at 3.20.
  • 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.
  • The dividend of CIX decreased 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

  • CIX has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 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%.