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 6 industry peers in the Consumer Finance industry. While CXI has a great health rating, there are worries on its profitability. CXI scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
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 (2.99%) which is comparable to the rest of the industry.
CXI has a Return On Equity (4.82%) which is in line with its industry peers.
CXI has a better Return On Invested Capital (6.59%) than 66.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CXI is below the industry average of 10.42%.
| 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
CXI has a Profit Margin (4.73%) which is in line with its industry peers.
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.
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
CXI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for CXI has been reduced compared to 1 year ago.
Compared to 5 years ago, CXI has less shares outstanding
CXI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.17 indicates that CXI is not in any danger for bankruptcy at the moment.
CXI has a better Altman-Z score (3.17) than 83.33% of its industry peers.
CXI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.06, CXI belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.17 |
ROIC/WACC0.81
WACC8.17%
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.
Looking at the Quick ratio, with a value of 3.58, CXI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| 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%.
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.
Looking at the last year, CXI shows a decrease in Revenue. The Revenue has decreased by -3.15% in the last year.
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 grow by 3.25% on average over the next years.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
CXI is valuated reasonably with a Price/Earnings ratio of 11.64.
Based on the Price/Earnings ratio, CXI is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.50. CXI is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.37, the valuation of CXI can be described as very cheap.
100.00% of the companies in the same industry are more expensive than CXI, based on the Price/Forward Earnings ratio.
CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than CXI, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.24 |
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
CXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (7/18/2025, 7:00:00 PM)
19.56
-0.13 (-0.66%)
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 Cap122.25M
Analysts80
Price Target28.56 (46.01%)
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)-6.67%
PT rev (3m)-6.67%
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 | 11.64 | ||
| Fwd PE | 6.37 | ||
| P/S | 1.07 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.09 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | 1.24 |
EPS(TTM)1.68
EY8.59%
EPS(NY)3.07
Fwd EY15.71%
FCF(TTM)-1.92
FCFYN/A
OCF(TTM)-1.3
OCFYN/A
SpS18.23
BVpS17.87
TBVpS17.09
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 | 3.17 |
F-Score4
WACC8.17%
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 Year2.66%
Revenue Next 2Y3.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.99%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year33.52%
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%