CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:CXI • US23131B3078
25.74 CAD
+1.45 (+5.97%)
Last: Jan 29, 2026, 07:00 PM
CXI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. CXI has a great financial health rating, but its profitability evaluates not so good. CXI has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- CXI had positive earnings in the past year.
- CXI had a negative operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: CXI reported negative net income in multiple years.
- In multiple years CXI reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.18%, CXI is doing worse than 62.50% of the companies in the same industry.
- CXI has a worse Return On Equity (5.04%) than 62.50% of its industry peers.
- CXI has a better Return On Invested Capital (8.20%) than 87.50% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for CXI is in line with the industry average of 8.74%.
- The 3 year average ROIC (8.03%) for CXI is below the current ROIC(8.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.18% | ||
| ROE | 5.04% | ||
| ROIC | 8.2% |
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 (5.27%) is worse than 62.50% of its industry peers.
- In the last couple of years the Profit Margin of CXI has declined.
- CXI has a Operating Margin of 19.91%. This is in the better half of the industry: CXI outperforms 75.00% of its industry peers.
- In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.91% | ||
| PM (TTM) | 5.27% | ||
| 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) just above the Cost of Capital (WACC), CXI is creating some value.
- Compared to 1 year ago, CXI has less shares outstanding
- Compared to 5 years ago, CXI has less shares outstanding
- The debt/assets ratio for CXI has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 3.64 indicates that CXI is not in any danger for bankruptcy at the moment.
- CXI has a Altman-Z score of 3.64. This is amongst the best in the industry. CXI outperforms 100.00% 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 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.64 |
ROIC/WACC1
WACC8.19%
2.3 Liquidity
- A Current Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
- The Current ratio of CXI (2.84) is better than 100.00% of its industry peers.
- CXI has a Quick Ratio of 2.84. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
- The Quick ratio of CXI (2.84) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 |
3. Growth
3.1 Past
- CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.06%.
- Measured over the past years, CXI shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.90% on average per year.
- The Revenue has decreased by -7.00% in the past year.
- 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)-43.06%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
Revenue 1Y (TTM)-7%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
3.2 Future
- The Earnings Per Share is expected to grow by 26.73% on average over the next years. This is a very strong growth
- Based on estimates for the next years, CXI will show a decrease in Revenue. The Revenue will decrease by -7.39% on average per year.
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-16.55%
Revenue Next 2Y-7.39%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.60, CXI is valued correctly.
- Based on the Price/Earnings ratio, CXI is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
- CXI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.39.
- Based on the Price/Forward Earnings ratio of 9.71, the valuation of CXI can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a somewhat cheap valuation: CXI is cheaper than 62.50% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.6 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.68 |
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.
- CXI's earnings are expected to grow with 26.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y26.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for CXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CURRENCY EXCHANGE INTERNATIO / CXI.CA FAQ
What is the ChartMill fundamental rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CXI.CA.
What is the valuation status for CXI stock?
ChartMill assigns a valuation rating of 5 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for CURRENCY EXCHANGE INTERNATIO?
CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 3 / 10.
What is the expected EPS growth for CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?
The Earnings per Share (EPS) of CURRENCY EXCHANGE INTERNATIO (CXI.CA) is expected to grow by 68.89% in the next year.