CURRENCY EXCHANGE INTERNATIO (CXI.CA) Stock Fundamental Analysis
Canada - TSX:CXI - US23131B3078 - Common Stock
24.8 CAD
-0.2 (-0.8%)
Taking everything into account, CXI scores 4 out of 10 in our fundamental rating. CXI was compared to 6 industry peers in the Consumer Finance industry. While CXI has a great health rating, there are worries on its profitability. CXI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
CXI had positive earnings in the past year.
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.
In multiple years CXI reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 3.18%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
With a Return On Equity value of 5.04%, CXI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.20%, CXI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
CXI had an Average Return On Invested Capital over the past 3 years of 8.03%. This is below the industry average of 10.69%.
The last Return On Invested Capital (8.20%) for CXI is above the 3 year average (8.03%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.18% | ||
| ROE | 5.04% | ||
| ROIC | 8.2% |
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 5.27%, CXI is doing worse than 66.67% of the companies in the same industry.
CXI's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 19.91%, CXI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
In the last couple of years the Operating Margin of CXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.91% | ||
| PM (TTM) | 5.27% | ||
| 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.
The number of shares outstanding for CXI has been reduced compared to 5 years ago.
The debt/assets ratio for CXI has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.54 indicates that CXI is not in any danger for bankruptcy at the moment.
The Altman-Z score of CXI (3.54) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that CXI is not too dependend on debt financing.
CXI has a Debt to Equity ratio of 0.06. This is amongst the best in the industry. CXI outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.54 |
ROIC/WACC0.81
WACC10.13%
2.3 Liquidity
A Current Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
CXI's Current ratio of 2.84 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
A Quick Ratio of 2.84 indicates that CXI has no problem at all paying its short term obligations.
CXI's Quick ratio of 2.84 is amongst the best of the industry. CXI outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 |
3. Growth
3.1 Past
The earnings per share for CXI have decreased strongly by -43.06% in the last year.
The Earnings Per Share has been decreasing by -3.90% on average over the past years.
The Revenue has decreased by -7.00% 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)-43.06%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
Revenue 1Y (TTM)-7%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
3.2 Future
The Earnings Per Share is expected to grow by 26.73% on average over the next years. This is a very strong growth
CXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.39% yearly.
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-16.55%
Revenue Next 2Y-7.39%
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
With a Price/Earnings ratio of 14.59, CXI is valued correctly.
CXI's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.91, CXI is valued a bit cheaper.
The Price/Forward Earnings ratio is 9.08, which indicates a very decent valuation of CXI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CXI indicates a somewhat cheap valuation: CXI is cheaper than 66.67% of the companies listed in the same industry.
CXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.59 | ||
| Fwd PE | 9.08 |
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 | 1.29 |
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.
CXI's earnings are expected to grow with 26.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y26.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:CXI (10/7/2025, 7:00:00 PM)
24.8
-0.2 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners9.9%
Inst Owner ChangeN/A
Ins Owners27.05%
Ins Owner ChangeN/A
Market Cap151.78M
Analysts80
Price Target30.6 (23.39%)
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)7.14%
PT rev (3m)7.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)40.69%
EPS NY rev (3m)2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)8.58%
Revenue NY rev (3m)-18.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.59 | ||
| Fwd PE | 9.08 | ||
| P/S | 1.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.3 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | 1.29 |
EPS(TTM)1.7
EY6.85%
EPS(NY)2.73
Fwd EY11.02%
FCF(TTM)-2.91
FCFYN/A
OCF(TTM)-2.45
OCFYN/A
SpS18.24
BVpS19.1
TBVpS18.27
PEG (NY)0.21
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.18% | ||
| ROE | 5.04% | ||
| ROCE | 16.62% | ||
| ROIC | 8.2% | ||
| ROICexc | 136.37% | ||
| ROICexgc | 368.77% | ||
| OM | 19.91% | ||
| PM (TTM) | 5.27% | ||
| 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 Turnover0.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.24 | ||
| Cap/Depr | 54.43% | ||
| Cap/Sales | 2.51% | ||
| Interest Coverage | 14.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 | ||
| Altman-Z | 3.54 |
F-Score4
WACC10.13%
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)-43.06%
EPS 3YN/A
EPS 5Y-3.9%
EPS Q2Q%11.86%
EPS Next Y68.89%
EPS Next 2Y26.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7%
Revenue growth 3Y40.76%
Revenue growth 5Y15.33%
Sales Q2Q%-11.3%
Revenue Next Year-16.55%
Revenue Next 2Y-7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.6%
EBIT growth 3YN/A
EBIT growth 5Y21.37%
EBIT Next Year36.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-214.88%
FCF growth 3Y45.9%
FCF growth 5Y20.75%
OCF growth 1Y-188.16%
OCF growth 3Y49.32%
OCF growth 5Y19.49%