CI Financial Corp (CIX.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:CIX • CA1254911003
31.99 CAD
0 (0%)
Last: Aug 14, 2025, 07:00 PM
We assign a fundamental rating of 4 out of 10 to CIX. CIX was compared to 78 industry peers in the Capital Markets industry. While CIX is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on CIX.
1. Profitability
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.
- In the past 5 years CIX always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of -2.72%, CIX is not doing good in the industry: 76.83% of the companies in the same industry are doing better.
- CIX has a worse Return On Equity (-62.17%) than 86.59% of its industry peers.
- CIX's Return On Invested Capital of 9.20% is amongst the best of the industry. CIX outperforms 82.93% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CIX is below the industry average of 10.45%.
- 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 Rank | Sector 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%
1.3 Margins
- CIX has a Operating Margin (20.24%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of CIX has declined.
- The Gross Margin of CIX (82.50%) is better than 82.93% of its industry peers.
- CIX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, CIX has less shares outstanding
- 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.
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 Altman-Z score of 0.17. This is in the lower half of the industry: CIX underperforms 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.
- 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.
- CIX has a worse Debt to Equity ratio (7.95) than 87.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.95 | ||
| Debt/FCF | 9.62 | ||
| Altman-Z | 0.17 |
ROIC/WACCN/A
WACCN/A
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.
- CIX has a worse Current ratio (0.33) than 84.15% of its industry peers.
- A Quick Ratio of 0.33 indicates that CIX may have some problems paying its short term obligations.
- With a Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
3. Growth
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.
- CIX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.96% yearly.
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.
- 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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.24, the valuation of CIX can be described as reasonable.
- The rest of the industry has a similar Price/Earnings ratio as CIX.
- CIX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
- 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 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 (27.77), we can say CIX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CIX is valued a bit cheaper than the industry average as 62.20% of the companies are valued more expensively.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.97 | ||
| EV/EBITDA | 9.92 |
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%
5. Dividend
5.1 Amount
- CIX has a Yearly Dividend Yield of 2.50%.
- Compared to an average industry Dividend Yield of 1.71, CIX pays a bit more dividend than its industry peers.
- CIX's Dividend Yield is a higher than the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
5.2 History
- The dividend of CIX has a limited annual growth rate of 1.95%.
- CIX has paid a dividend for at least 10 years, which is a reliable track record.
- The dividend of CIX decreased recently.
Dividend Growth(5Y)1.95%
Div Incr Years1
Div Non Decr Years1
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%
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 2025-08-05/bmo
Earnings (Next)11-12 2025-11-12/bmo
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 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%.