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 5 out of 10. We evaluated CXI against 7 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for CXI as it has an excellent financial health rating, but there are worries on the profitability. CXI is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
The reported net income has been mixed in the past 5 years: CXI reported negative net income in multiple 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
With a Return On Assets value of 1.98%, CXI perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 3.07%, CXI is in line with its industry, outperforming 57.14% of the companies in the same industry.
CXI has a better Return On Invested Capital (7.58%) than 71.43% of its industry peers.
CXI had an Average Return On Invested Capital over the past 3 years of 8.03%. This is below the industry average of 10.75%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 3.07% | ||
| ROIC | 7.58% |
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
CXI has a Profit Margin of 2.80%. This is comparable to the rest of the industry: CXI outperforms 57.14% of its industry peers.
In the last couple of years the Profit Margin of CXI has declined.
CXI's Operating Margin of 16.25% is fine compared to the rest of the industry. CXI outperforms 71.43% of its industry peers.
In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.25% | ||
| PM (TTM) | 2.8% | ||
| 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
CXI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
CXI has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CXI has less shares outstanding
Compared to 1 year ago, CXI has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.69 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI has a better Altman-Z score (3.69) than 100.00% of its industry peers.
CXI has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CXI (0.14) is better than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.69 |
ROIC/WACC0.95
WACC8%
2.3 Liquidity
A Current Ratio of 3.03 indicates that CXI has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.03, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
CXI has a Quick Ratio of 3.03. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 3.03, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.03 | ||
| Quick Ratio | 3.03 |
3. Growth
3.1 Past
CXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.00%.
CXI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.90% yearly.
Looking at the last year, CXI shows a small growth in Revenue. The Revenue has grown by 3.93% in the last 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)-10%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%30.77%
Revenue 1Y (TTM)3.93%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%9.86%
3.2 Future
CXI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.26% yearly.
CXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.25% yearly.
EPS Next Y65.57%
EPS Next 2Y35.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.66%
Revenue Next 2Y3.25%
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
A Price/Earnings ratio of 12.21 indicates a correct valuation of CXI.
CXI's Price/Earnings ratio is a bit cheaper when compared to the industry. CXI is cheaper than 71.43% of the companies in the same industry.
CXI is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.87 indicates a rather cheap valuation of CXI.
Based on the Price/Forward Earnings ratio, CXI is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 6.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CXI is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.6 |
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 35.26% in the coming years.
PEG (NY)0.19
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 (6/6/2025, 7:00:00 PM)
21
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners8.21%
Inst Owner ChangeN/A
Ins Owners25.95%
Ins Owner ChangeN/A
Market Cap131.67M
Analysts80
Price Target30.6 (45.71%)
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)0
Avg EPS beat(2)-36.84%
Min EPS beat(2)-37.66%
Max EPS beat(2)-36.02%
EPS beat(4)0
Avg EPS beat(4)-39.55%
Min EPS beat(4)-71.71%
Max EPS beat(4)-12.81%
EPS beat(8)1
Avg EPS beat(8)-30.45%
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)1
Avg Revenue beat(2)0.67%
Min Revenue beat(2)-5.7%
Max Revenue beat(2)7.03%
Revenue beat(4)1
Avg Revenue beat(4)-0.62%
Min Revenue beat(4)-5.7%
Max Revenue beat(4)7.03%
Revenue beat(8)4
Avg Revenue beat(8)1.16%
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 6.87 | ||
| P/S | 1.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.21 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 0.6 |
EPS(TTM)1.72
EY8.19%
EPS(NY)3.05
Fwd EY14.55%
FCF(TTM)-1.73
FCFYN/A
OCF(TTM)-1.04
OCFYN/A
SpS19
BVpS17.34
TBVpS16.58
PEG (NY)0.19
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 3.07% | ||
| ROCE | 16.29% | ||
| ROIC | 7.58% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 16.25% | ||
| PM (TTM) | 2.8% | ||
| 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 Turnover0.71
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.62 | ||
| Cap/Depr | 83.38% | ||
| Cap/Sales | 3.61% | ||
| Interest Coverage | 303.55 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.03 | ||
| Quick Ratio | 3.03 | ||
| Altman-Z | 3.69 |
F-Score4
WACC8%
ROIC/WACC0.95
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)-10%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%30.77%
EPS Next Y65.57%
EPS Next 2Y35.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.93%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%9.86%
Revenue Next Year2.66%
Revenue Next 2Y3.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.85%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year34.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y6.07%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y35.72%
OCF growth 3Y49.32%
OCF growth 5Y19.49%