CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - TSX:CXI - US23131B3078 - Common Stock
22.5 CAD
-0.5 (-2.17%)
CXI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. While CXI has a great health rating, there are worries on its profitability. CXI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CXI was profitable.
In the past year CXI has reported a negative cash flow from operations.
In multiple years CXI reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: CXI reported negative operating cash flow in multiple years.
1.2 Ratios
CXI has a Return On Assets of 2.99%. This is comparable to the rest of the industry: CXI outperforms 50.00% of its industry peers.
With a Return On Equity value of 4.82%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.59%, CXI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CXI is below the industry average of 10.16%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 4.82% | ||
| ROIC | 6.59% |
ROA(3y)6.33%
ROA(5y)1.59%
ROE(3y)10.99%
ROE(5y)3.28%
ROIC(3y)8.03%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CXI (4.73%) is worse than 66.67% of its industry peers.
In the last couple of years the Profit Margin of CXI has declined.
The Operating Margin of CXI (17.33%) is better than 66.67% of its industry peers.
In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.33% | ||
| PM (TTM) | 4.73% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y5.24%
PM growth 3YN/A
PM growth 5Y-16.12%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CXI is destroying value.
The number of shares outstanding for CXI has been reduced compared to 1 year ago.
CXI has less shares outstanding than it did 5 years ago.
CXI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.34 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI's Altman-Z score of 3.34 is amongst the best of the industry. CXI outperforms 83.33% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that CXI is not too dependend on debt financing.
The Debt to Equity ratio of CXI (0.06) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.34 |
ROIC/WACC0.65
WACC10.06%
2.3 Liquidity
CXI has a Current Ratio of 3.58. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
CXI has a Current ratio of 3.58. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
A Quick Ratio of 3.58 indicates that CXI has no problem at all paying its short term obligations.
CXI's Quick ratio of 3.58 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.58 | ||
| Quick Ratio | 3.58 |
3. Growth
3.1 Past
CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.86%.
The Earnings Per Share has been decreasing by -3.90% on average over the past years.
CXI shows a decrease in Revenue. In the last year, the revenue decreased by -3.15%.
Measured over the past years, CXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.33% on average per year.
EPS 1Y (TTM)-50.86%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%306.29%
Revenue 1Y (TTM)-3.15%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-21.05%
3.2 Future
Based on estimates for the next years, CXI will show a very strong growth in Earnings Per Share. The EPS will grow by 21.73% on average per year.
The Revenue is expected to decrease by -10.76% on average over the next years. This is quite bad
EPS Next Y20.04%
EPS Next 2Y21.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-23.15%
Revenue Next 2Y-10.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 accelerating.
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
CXI is valuated correctly with a Price/Earnings ratio of 13.31.
Compared to the rest of the industry, the Price/Earnings ratio of CXI is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CXI to the average of the S&P500 Index (27.30), we can say CXI is valued rather cheaply.
The Price/Forward Earnings ratio is 8.96, which indicates a very decent valuation of CXI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 83.33% of the companies listed in the same industry.
CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 8.96 |
4.2 Price Multiples
CXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CXI is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.98 |
4.3 Compensation for Growth
CXI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CXI's earnings are expected to grow with 21.73% in the coming years.
PEG (NY)0.66
PEG (5Y)N/A
EPS Next 2Y21.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (9/12/2025, 7:00:00 PM)
22.5
-0.5 (-2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners9.06%
Inst Owner ChangeN/A
Ins Owners26.29%
Ins Owner ChangeN/A
Market Cap137.70M
Analysts80
Price Target30.6 (36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)0%
PT rev (3m)-6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-27.5%
EPS NY rev (3m)-27.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-25.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 8.96 | ||
| P/S | 1.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.24 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 1.98 |
EPS(TTM)1.69
EY7.51%
EPS(NY)2.51
Fwd EY11.15%
FCF(TTM)-1.95
FCFYN/A
OCF(TTM)-1.32
OCFYN/A
SpS18.51
BVpS18.14
TBVpS17.34
PEG (NY)0.66
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.99% | ||
| ROE | 4.82% | ||
| ROCE | 13.35% | ||
| ROIC | 6.59% | ||
| ROICexc | 21.08% | ||
| ROICexgc | 23.58% | ||
| OM | 17.33% | ||
| PM (TTM) | 4.73% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)6.33%
ROA(5y)1.59%
ROE(3y)10.99%
ROE(5y)3.28%
ROIC(3y)8.03%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)17.98%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5Y5.24%
PM growth 3YN/A
PM growth 5Y-16.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.29 | ||
| Cap/Depr | 75.06% | ||
| Cap/Sales | 3.41% | ||
| Interest Coverage | 133.62 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.58 | ||
| Quick Ratio | 3.58 | ||
| Altman-Z | 3.34 |
F-Score4
WACC10.06%
ROIC/WACC0.65
Cap/Depr(3y)48.53%
Cap/Depr(5y)34.74%
Cap/Sales(3y)2.16%
Cap/Sales(5y)2.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-50.86%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%306.29%
EPS Next Y20.04%
EPS Next 2Y21.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.15%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-21.05%
Revenue Next Year-23.15%
Revenue Next 2Y-10.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.99%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year32.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-230.59%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y-175.96%
OCF growth 3Y49.32%
OCF growth 5Y19.49%