CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
TSX:CXI - Toronto Stock Exchange - US23131B3078 - Common Stock - Currency: CAD
Overall CXI gets a fundamental rating of 4 out of 10. We evaluated CXI 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
CXI had positive earnings in the past year.
CXI had a negative operating cash flow in the past year.
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.
The Return On Equity of CXI (4.82%) is comparable to the rest of the industry.
The Return On Invested Capital of CXI (6.59%) is better than 66.67% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CXI is below the industry average of 10.29%.
| 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
Looking at the Profit Margin, with a value of 4.73%, CXI is in line with its industry, outperforming 50.00% of the companies in the same industry.
CXI's Profit Margin has declined in the last couple of years.
CXI has a better Operating Margin (17.33%) than 66.67% of its industry peers.
CXI's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CXI is destroying value.
CXI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CXI has been reduced compared to 5 years ago.
CXI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.21 indicates that CXI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.21, CXI belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
CXI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
CXI has a better Debt to Equity ratio (0.06) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.21 |
ROIC/WACC0.81
WACC8.09%
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's Current ratio of 3.58 is amongst the best of 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
The earnings per share for CXI have decreased strongly by -50.86% in the last year.
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%.
The Revenue has been growing by 15.33% on average over the past years. This is quite good.
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 35.26% 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 Y65.57%
EPS Next 2Y35.26%
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
With a Price/Earnings ratio of 12.12, CXI is valued correctly.
CXI's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.76, CXI is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.62, the valuation of CXI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CXI to the average of the S&P500 Index (34.91), we can say CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.39 |
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.
A more expensive valuation may be justified as CXI's earnings are expected to grow with 35.26% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y35.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (8/20/2025, 7:00:00 PM)
20.49
+0.42 (+2.09%)
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 Cap127.65M
Analysts80
Price Target28.56 (39.39%)
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)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-25.14%
Revenue NY rev (3m)-25.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 6.62 | ||
| P/S | 1.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.13 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 1.39 |
EPS(TTM)1.69
EY8.25%
EPS(NY)3.1
Fwd EY15.11%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-1.31
OCFYN/A
SpS18.43
BVpS18.06
TBVpS17.27
PEG (NY)0.18
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 | 3.21 |
F-Score4
WACC8.09%
ROIC/WACC0.81
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 Y65.57%
EPS Next 2Y35.26%
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 Year32.52%
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%