CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
TSX:CXI - Toronto Stock Exchange - US23131B3078 - Common Stock - Currency: CAD
Taking everything into account, CXI scores 5 out of 10 in our fundamental rating. CXI was compared to 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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
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.
Looking at the Return On Invested Capital, with a value of 7.58%, CXI is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for CXI 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
The Profit Margin of CXI (2.80%) is comparable to the rest of the industry.
CXI's Profit Margin has declined in the last couple of years.
CXI has a Operating Margin of 16.25%. This is in the better half 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.
The number of shares outstanding for CXI has been reduced compared to 5 years ago.
Compared to 1 year ago, CXI has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.68 indicates that CXI is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.68, CXI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that CXI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.14, CXI is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.68 |
ROIC/WACC0.96
WACC7.92%
2.3 Liquidity
A Current Ratio of 3.03 indicates that CXI has no problem at all paying its short term obligations.
CXI has a Current ratio of 3.03. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
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.
The Quick ratio of CXI (3.03) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.03 | ||
| Quick Ratio | 3.03 |
3. Growth
3.1 Past
The earnings per share for CXI have decreased strongly by -10.00% in the last year.
The Earnings Per Share has been decreasing by -3.90% on average over the past years.
The Revenue has been growing slightly by 3.93% 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)-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.
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.
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
CXI is valuated correctly with a Price/Earnings ratio of 12.06.
Compared to the rest of the industry, the Price/Earnings ratio of CXI indicates a somewhat cheap valuation: CXI is cheaper than 71.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CXI to the average of the S&P500 Index (26.60), we can say CXI is valued rather cheaply.
CXI is valuated cheaply with a Price/Forward Earnings ratio of 6.79.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a rather cheap valuation: CXI is cheaper than 85.71% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.39, CXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 6.79 |
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 | 0.54 |
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 35.26% in the coming years. This may justify a more expensive valuation.
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 (6/11/2025, 7:00:00 PM)
20.75
+0.35 (+1.72%)
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 Cap130.10M
Analysts80
Price Target30.6 (47.47%)
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 | 12.06 | ||
| Fwd PE | 6.79 | ||
| P/S | 1.09 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 0.54 |
EPS(TTM)1.72
EY8.29%
EPS(NY)3.05
Fwd EY14.72%
FCF(TTM)-1.73
FCFYN/A
OCF(TTM)-1.04
OCFYN/A
SpS19
BVpS17.34
TBVpS16.58
PEG (NY)0.18
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 | 3.68 |
F-Score4
WACC7.92%
ROIC/WACC0.96
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%