CKI Fundamental Analysis - CLARKE INC

Fundamental Rating

Taking everything into account, CKI scores 2 out of 10 in our fundamental rating. CKI was compared to 81 industry peers in the Capital Markets industry. CKI has a medium profitability rating, but doesn't score so well on its financial health evaluation. CKI does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

CKI had positive earnings in the past year.

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

Of the past 5 years CKI 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: CKI reported negative operating cash flow in multiple years.

1.2 Ratios

With a decent Return On Assets value of 6.04%, CKI is doing good in the industry, outperforming 74.07% of the companies in the same industry.

Looking at the Return On Equity, with a value of 11.85%, CKI belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.

The Return On Invested Capital of CKI (2.43%) is worse than 64.20% of its industry peers.

The Average Return On Invested Capital over the past 3 years for CKI is significantly below the industry average of 7.88%.

		Industry Rank	Sector Rank
ROA	6.04%
ROE	11.85%
ROIC	2.43%

ROA(3y)2.99%

ROA(5y)1.41%

ROE(3y)5.54%

ROE(5y)2.62%

ROIC(3y)2.81%

ROIC(5y)N/A

1.3 Margins

CKI has a better Profit Margin (43.26%) than 76.54% of its industry peers.

CKI's Profit Margin has improved in the last couple of years.

The Operating Margin of CKI (18.46%) is comparable to the rest of the industry.

CKI's Operating Margin has declined in the last couple of years.

The Gross Margin of CKI (43.89%) is better than 69.14% of its industry peers.

CKI's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	18.46%
PM (TTM)	43.26%
GM	43.89%

OM growth 3Y109.49%

OM growth 5Y-9.74%

PM growth 3Y7.67%

PM growth 5Y9.18%

GM growth 3Y6.95%

GM growth 5Y-3.81%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for CKI remains at a similar level compared to 1 year ago.

CKI has less shares outstanding than it did 5 years ago.

CKI has a worse debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of 1.15, we must say that CKI is in the distress zone and has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of 1.15, CKI is in the better half of the industry, outperforming 64.20% of the companies in the same industry.

CKI has a debt to FCF ratio of 37.95. This is a negative value and a sign of low solvency as CKI would need 37.95 years to pay back of all of its debts.

The Debt to FCF ratio of CKI (37.95) is comparable to the rest of the industry.

CKI has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.43, CKI is in line with its industry, outperforming 51.85% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	37.95
Altman-Z	1.15

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

CKI has a Current Ratio of 0.07. This is a bad value and indicates that CKI is not financially healthy enough and could expect problems in meeting its short term obligations.

CKI has a Current ratio of 0.07. This is amonst the worse of the industry: CKI underperforms 95.06% of its industry peers.

CKI has a Quick Ratio of 0.07. This is a bad value and indicates that CKI is not financially healthy enough and could expect problems in meeting its short term obligations.

The Quick ratio of CKI (0.07) is worse than 95.06% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.07
Quick Ratio	0.07

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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

The Earnings Per Share has grown by an impressive 330.44% over the past year.

The Earnings Per Share has been decreasing by -1.34% on average over the past years.

CKI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.14%.

The Revenue has been decreasing by -8.69% on average over the past years.

EPS 1Y (TTM)330.44%

EPS 3Y44.95%

EPS 5Y-1.34%

EPS Q2Q%-197.13%

Revenue 1Y (TTM)4.14%

Revenue growth 3Y22.71%

Revenue growth 5Y-8.69%

Sales Q2Q%-0.9%

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

With a Price/Earnings ratio of 13.43, CKI is valued correctly.

CKI's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 26.48. CKI is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	13.43
Fwd PE	N/A

4.2 Price Multiples

CKI's Enterprise Value to EBITDA ratio is in line with the industry average.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CKI is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	78.31
EV/EBITDA	25.45

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

No dividends for CKI!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CLARKE INC

TSX:CKI (8/8/2025, 7:00:00 PM)

31.84

-3.16 (-9.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)05-09 2025-05-09

Earnings (Next)08-07 2025-08-07

Inst Owners12.99%

Inst Owner ChangeN/A

Ins Owners0.2%

Ins Owner ChangeN/A

Market Cap434.62M

Analysts0

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	13.43
Fwd PE	N/A
P/S	5.69
P/FCF	78.31
P/OCF	24.08
P/B	1.56
P/tB	1.56
EV/EBITDA	25.45

EPS(TTM)2.37

EY7.44%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.41

FCFY1.28%

OCF(TTM)1.32

OCFY4.15%

SpS5.59

BVpS20.43

TBVpS20.43

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	6.04%
ROE	11.85%
ROCE	3.72%
ROIC	2.43%
ROICexc	2.44%
ROICexgc	2.44%
OM	18.46%
PM (TTM)	43.26%
GM	43.89%
FCFM	7.27%

ROA(3y)2.99%

ROA(5y)1.41%

ROE(3y)5.54%

ROE(5y)2.62%

ROIC(3y)2.81%

ROIC(5y)N/A

ROICexc(3y)2.81%

ROICexc(5y)N/A

ROICexgc(3y)2.81%

ROICexgc(5y)N/A

ROCE(3y)3.97%

ROCE(5y)N/A

ROICexcg growth 3Y135.95%

ROICexcg growth 5Y-23.92%

ROICexc growth 3Y135.95%

ROICexc growth 5Y-23.92%

OM growth 3Y109.49%

OM growth 5Y-9.74%

PM growth 3Y7.67%

PM growth 5Y9.18%

GM growth 3Y6.95%

GM growth 5Y-3.81%

F-Score6

Asset Turnover0.14

Health

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	37.95
Debt/EBITDA	4.81
Cap/Depr	115.27%
Cap/Sales	16.37%
Interest Coverage	250
Cash Conversion	72.36%
Profit Quality	16.8%
Current Ratio	0.07
Quick Ratio	0.07
Altman-Z	1.15

F-Score6

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)99.46%

Cap/Depr(5y)76.74%

Cap/Sales(3y)13.97%

Cap/Sales(5y)12.82%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)330.44%

EPS 3Y44.95%

EPS 5Y-1.34%

EPS Q2Q%-197.13%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.14%

Revenue growth 3Y22.71%

Revenue growth 5Y-8.69%

Sales Q2Q%-0.9%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-11.98%

EBIT growth 3Y157.07%

EBIT growth 5Y-17.58%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y209.68%

FCF growth 3YN/A

FCF growth 5Y-7.01%

OCF growth 1Y2908.5%

OCF growth 3YN/A

OCF growth 5Y9.44%

CLARKE INC (CKI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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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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