GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis
Canada - TSX:XAU - VGG4001R1047 - Common Stock
11.14 CAD
+0.36 (+3.34%)
XAU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 15 industry peers in the Specialty Retail industry. XAU has only an average score on both its financial health and profitability. XAU is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
XAU had positive earnings in the past year.
In the past year XAU had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: XAU reported negative net income in multiple years.
Of the past 5 years XAU 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of XAU (5.55%) is better than 73.33% of its industry peers.
With a decent Return On Equity value of 10.81%, XAU is doing good in the industry, outperforming 73.33% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.34%, XAU is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for XAU is in line with the industry average of 9.22%.
The last Return On Invested Capital (8.34%) for XAU is above the 3 year average (7.50%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 10.81% | ||
| ROIC | 8.34% |
ROA(3y)-1.66%
ROA(5y)-0.42%
ROE(3y)-1.4%
ROE(5y)-0.21%
ROIC(3y)7.5%
ROIC(5y)5.49%
1.3 Margins
XAU has a better Profit Margin (12.49%) than 80.00% of its industry peers.
XAU has a Operating Margin of 19.86%. This is in the better half of the industry: XAU outperforms 80.00% of its industry peers.
In the last couple of years the Operating Margin of XAU has grown nicely.
XAU's Gross Margin of 25.82% is on the low side compared to the rest of the industry. XAU is outperformed by 73.33% of its industry peers.
XAU's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.86% | ||
| PM (TTM) | 12.49% | ||
| GM | 25.82% |
OM growth 3Y128.66%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y71.31%
GM growth 5Y49.71%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), XAU is creating some value.
The number of shares outstanding for XAU remains at a similar level compared to 1 year ago.
The number of shares outstanding for XAU has been reduced compared to 5 years ago.
The debt/assets ratio for XAU is higher compared to a year ago.
2.2 Solvency
XAU has an Altman-Z score of 1.27. This is a bad value and indicates that XAU is not financially healthy and even has some risk of bankruptcy.
XAU's Altman-Z score of 1.27 is on the low side compared to the rest of the industry. XAU is outperformed by 80.00% of its industry peers.
XAU has a debt to FCF ratio of 1.51. This is a very positive value and a sign of high solvency as it would only need 1.51 years to pay back of all of its debts.
XAU has a better Debt to FCF ratio (1.51) than 93.33% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that XAU is not too dependend on debt financing.
XAU's Debt to Equity ratio of 0.49 is in line compared to the rest of the industry. XAU outperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | 1.27 |
ROIC/WACC1.07
WACC7.78%
2.3 Liquidity
A Current Ratio of 1.03 indicates that XAU should not have too much problems paying its short term obligations.
XAU has a worse Current ratio (1.03) than 73.33% of its industry peers.
A Quick Ratio of 0.95 indicates that XAU may have some problems paying its short term obligations.
The Quick ratio of XAU (0.95) is better than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.95 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 182.98% over the past year.
Looking at the last year, XAU shows a very strong growth in Revenue. The Revenue has grown by 87.47%.
XAU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -25.78% yearly.
EPS 1Y (TTM)182.98%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
Revenue 1Y (TTM)87.47%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%160.63%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.01 indicates a reasonable valuation of XAU.
Compared to the rest of the industry, the Price/Earnings ratio of XAU indicates a rather cheap valuation: XAU is cheaper than 100.00% of the companies listed in the same industry.
XAU is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.01 | ||
| Fwd PE | N/A |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than XAU, based on the Enterprise Value to EBITDA ratio.
XAU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. XAU is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.44 | ||
| EV/EBITDA | 7.36 |
4.3 Compensation for Growth
The decent profitability rating of XAU may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
XAU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:XAU (11/10/2025, 7:00:00 PM)
11.14
+0.36 (+3.34%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners5.89%
Inst Owner ChangeN/A
Ins Owners38.7%
Ins Owner ChangeN/A
Market Cap141.26M
Revenue(TTM)148.08M
Net Income(TTM)18.49M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.01 | ||
| Fwd PE | N/A | ||
| P/S | 0.95 | ||
| P/FCF | 2.44 | ||
| P/OCF | 2.78 | ||
| P/B | 0.83 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 7.36 |
EPS(TTM)1.39
EY12.48%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.56
FCFY40.92%
OCF(TTM)4.01
OCFY36%
SpS11.68
BVpS13.41
TBVpS12.15
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 10.81% | ||
| ROCE | 11.58% | ||
| ROIC | 8.34% | ||
| ROICexc | 8.53% | ||
| ROICexgc | 9.12% | ||
| OM | 19.86% | ||
| PM (TTM) | 12.49% | ||
| GM | 25.82% | ||
| FCFM | 39.04% |
ROA(3y)-1.66%
ROA(5y)-0.42%
ROE(3y)-1.4%
ROE(5y)-0.21%
ROIC(3y)7.5%
ROIC(5y)5.49%
ROICexc(3y)8.45%
ROICexc(5y)6.28%
ROICexgc(3y)10%
ROICexgc(5y)7.77%
ROCE(3y)10.42%
ROCE(5y)7.62%
ROICexgc growth 3Y14.99%
ROICexgc growth 5YN/A
ROICexc growth 3Y25.71%
ROICexc growth 5YN/A
OM growth 3Y128.66%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y71.31%
GM growth 5Y49.71%
F-Score6
Asset Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 1.51 | ||
| Debt/EBITDA | 2.78 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.54 | ||
| Cash Conversion | 168.5% | ||
| Profit Quality | 312.62% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.95 | ||
| Altman-Z | 1.27 |
F-Score6
WACC7.78%
ROIC/WACC1.07
Cap/Depr(3y)0.76%
Cap/Depr(5y)1.85%
Cap/Sales(3y)0.01%
Cap/Sales(5y)0.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)182.98%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)87.47%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%160.63%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y45.18%
EBIT growth 3Y51.51%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1056.06%
FCF growth 3YN/A
FCF growth 5Y82.49%
OCF growth 1Y-20.74%
OCF growth 3YN/A
OCF growth 5Y81.48%
GOLDMONEY INC / XAU.CA FAQ
What is the ChartMill fundamental rating of GOLDMONEY INC (XAU.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to XAU.CA.
Can you provide the valuation status for GOLDMONEY INC?
ChartMill assigns a valuation rating of 5 / 10 to GOLDMONEY INC (XAU.CA). This can be considered as Fairly Valued.
How profitable is GOLDMONEY INC (XAU.CA) stock?
GOLDMONEY INC (XAU.CA) has a profitability rating of 6 / 10.
What is the financial health of GOLDMONEY INC (XAU.CA) stock?
The financial health rating of GOLDMONEY INC (XAU.CA) is 5 / 10.
Is the dividend of GOLDMONEY INC sustainable?
The dividend rating of GOLDMONEY INC (XAU.CA) is 0 / 10 and the dividend payout ratio is 0%.