CURRENCY EXCHANGE INTERNATIO (CXI.CA) Fundamental Analysis & Valuation

TSX:CXI • US23131B3078

Current stock price

26.1 CAD
-0.65 (-2.43%)
Last:

This CXI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. CXI.CA Profitability Analysis

1.1 Basic Checks

  • In the past year CXI was profitable.
  • CXI had a positive operating cash flow in the past year.
  • CXI had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CXI 4 years had a positive operating cash flow.
CXI.CA Yearly Net Income VS EBIT VS OCF VS FCFCXI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M

1.2 Ratios

  • CXI has a Return On Assets of 8.53%. This is amongst the best in the industry. CXI outperforms 87.50% of its industry peers.
  • CXI's Return On Equity of 12.18% is fine compared to the rest of the industry. CXI outperforms 62.50% of its industry peers.
  • CXI has a better Return On Invested Capital (15.45%) than 100.00% of its industry peers.
  • CXI had an Average Return On Invested Capital over the past 3 years of 13.10%. This is above the industry average of 10.56%.
  • The 3 year average ROIC (13.10%) for CXI is below the current ROIC(15.45%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 8.53%
ROE 12.18%
ROIC 15.45%
ROA(3y)6.04%
ROA(5y)5.28%
ROE(3y)9.39%
ROE(5y)8.64%
ROIC(3y)13.1%
ROIC(5y)N/A
CXI.CA Yearly ROA, ROE, ROICCXI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.42%, CXI is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CXI has declined.
  • The Operating Margin of CXI (25.46%) is better than 87.50% of its industry peers.
  • In the last couple of years the Operating Margin of CXI has grown nicely.
Industry RankSector Rank
OM 25.46%
PM (TTM) 13.42%
GM N/A
OM growth 3Y5.21%
OM growth 5YN/A
PM growth 3Y-7.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CXI.CA Yearly Profit, Operating, Gross MarginsCXI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. CXI.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CXI is still creating some value.
  • Compared to 1 year ago, CXI has less shares outstanding
  • The number of shares outstanding for CXI has been reduced compared to 5 years ago.
  • The debt/assets ratio for CXI is higher compared to a year ago.
CXI.CA Yearly Shares OutstandingCXI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
CXI.CA Yearly Total Debt VS Total AssetsCXI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.2 Solvency

  • CXI has an Altman-Z score of 4.52. This indicates that CXI is financially healthy and has little risk of bankruptcy at the moment.
  • CXI has a Altman-Z score of 4.52. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
  • The Debt to FCF ratio of CXI is 0.42, which is an excellent value as it means it would take CXI, only 0.42 years of fcf income to pay off all of its debts.
  • CXI has a better Debt to FCF ratio (0.42) than 100.00% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that CXI is not too dependend on debt financing.
  • CXI has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Altman-Z 4.52
ROIC/WACC1.69
WACC9.14%
CXI.CA Yearly LT Debt VS Equity VS FCFCXI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

2.3 Liquidity

  • CXI has a Current Ratio of 3.61. This indicates that CXI is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 3.61, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 3.61 indicates that CXI has no problem at all paying its short term obligations.
  • CXI has a better Quick ratio (3.61) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 3.61
Quick Ratio 3.61
CXI.CA Yearly Current Assets VS Current LiabilitesCXI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CXI.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 400.81% over the past year.
  • CXI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.26% yearly.
  • CXI shows a decrease in Revenue. In the last year, the revenue decreased by -9.80%.
  • The Revenue has been growing by 10.53% on average over the past years. This is quite good.
EPS 1Y (TTM)400.81%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%28.57%
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-13.88%

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 24.30% on average per year.
  • The Revenue is expected to decrease by -3.19% on average over the next years.
EPS Next Y68.89%
EPS Next 2Y31.54%
EPS Next 3Y24.3%
EPS Next 5YN/A
Revenue Next Year-16.55%
Revenue Next 2Y-7.02%
Revenue Next 3Y-3.19%
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.
CXI.CA Yearly Revenue VS EstimatesCXI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
CXI.CA Yearly EPS VS EstimatesCXI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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Find the best growth stocksShow best growing peers

7

4. CXI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.72 indicates a correct valuation of CXI.
  • CXI's Price/Earnings ratio is a bit more expensive when compared to the industry. CXI is more expensive than 62.50% of the companies in the same industry.
  • CXI is valuated rather cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • CXI is valuated reasonably with a Price/Forward Earnings ratio of 9.09.
  • Based on the Price/Forward Earnings ratio, CXI is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, CXI is valued rather cheaply.
Industry RankSector Rank
PE 15.72
Fwd PE 9.09
CXI.CA Price Earnings VS Forward Price EarningsCXI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
  • Based on the Price/Free Cash Flow ratio, CXI is valued cheaper than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.21
EV/EBITDA 1.19
CXI.CA Per share dataCXI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as CXI's earnings are expected to grow with 24.30% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y31.54%
EPS Next 3Y24.3%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CXI.CA Dividend Analysis

5.1 Amount

  • No dividends for CXI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CXI.CA Fundamentals: All Metrics, Ratios and Statistics

CURRENCY EXCHANGE INTERNATIO

TSX:CXI (3/13/2026, 7:00:00 PM)

26.1

-0.65 (-2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-10
Earnings (Next)06-09
Inst Owners10.4%
Inst Owner ChangeN/A
Ins Owners28.35%
Ins Owner ChangeN/A
Market Cap155.56M
Revenue(TTM)76.89M
Net Income(TTM)10.32M
Analysts80
Price Target32.64 (25.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)20.82%
Min EPS beat(2)-17.75%
Max EPS beat(2)59.38%
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)2
Avg Revenue beat(2)10.26%
Min Revenue beat(2)0.78%
Max Revenue beat(2)19.73%
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)7.73%
EPS NY rev (3m)7.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)0.81%
Valuation
Industry RankSector Rank
PE 15.72
Fwd PE 9.09
P/S 1.49
P/FCF 8.21
P/OCF 7.42
P/B 1.35
P/tB 1.41
EV/EBITDA 1.19
EPS(TTM)1.66
EY6.36%
EPS(NY)2.87
Fwd EY11%
FCF(TTM)3.18
FCFY12.18%
OCF(TTM)3.52
OCFY13.48%
SpS17.55
BVpS19.33
TBVpS18.49
PEG (NY)0.23
PEG (5Y)N/A
Graham Number26.87
Profitability
Industry RankSector Rank
ROA 8.53%
ROE 12.18%
ROCE 21.07%
ROIC 15.45%
ROICexc N/A
ROICexgc N/A
OM 25.46%
PM (TTM) 13.42%
GM N/A
FCFM 18.11%
ROA(3y)6.04%
ROA(5y)5.28%
ROE(3y)9.39%
ROE(5y)8.64%
ROIC(3y)13.1%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.76%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y5.21%
OM growth 5YN/A
PM growth 3Y-7.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.64
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Debt/EBITDA 0.19
Cap/Depr 41.87%
Cap/Sales 1.93%
Interest Coverage 16.37
Cash Conversion 66.65%
Profit Quality 134.97%
Current Ratio 3.61
Quick Ratio 3.61
Altman-Z 4.52
F-Score6
WACC9.14%
ROIC/WACC1.69
Cap/Depr(3y)53.13%
Cap/Depr(5y)39.84%
Cap/Sales(3y)2.66%
Cap/Sales(5y)2.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)400.81%
EPS 3YN/A
EPS 5Y-4.26%
EPS Q2Q%28.57%
EPS Next Y68.89%
EPS Next 2Y31.54%
EPS Next 3Y24.3%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y31.13%
Revenue growth 5Y10.53%
Sales Q2Q%-13.88%
Revenue Next Year-16.55%
Revenue Next 2Y-7.02%
Revenue Next 3Y-3.19%
Revenue Next 5YN/A
EBIT growth 1Y54.19%
EBIT growth 3Y8.37%
EBIT growth 5YN/A
EBIT Next Year-15.46%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.73%
FCF growth 3Y-17.28%
FCF growth 5YN/A
OCF growth 1Y-42.71%
OCF growth 3Y-15.47%
OCF growth 5YN/A

CURRENCY EXCHANGE INTERNATIO / CXI.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CURRENCY EXCHANGE INTERNATIO (CXI.CA) stock?

ChartMill assigns a fundamental rating of 6 / 10 to CXI.CA.


What is the valuation status for CXI stock?

ChartMill assigns a valuation rating of 7 / 10 to CURRENCY EXCHANGE INTERNATIO (CXI.CA). This can be considered as Undervalued.


Can you provide the profitability details for CURRENCY EXCHANGE INTERNATIO?

CURRENCY EXCHANGE INTERNATIO (CXI.CA) has a profitability rating of 7 / 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.