GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis
Canada - TSX:XAU - VGG4001R1047 - Common Stock
10.93 CAD
+0.03 (+0.28%)
We assign a fundamental rating of 4 out of 10 to XAU. XAU was compared to 15 industry peers in the Specialty Retail industry. XAU has an average financial health and profitability rating. XAU is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year XAU was profitable.
In the past year XAU had a positive cash flow from operations.
In multiple years XAU reported negative net income over the last 5 years.
Of the past 5 years XAU 4 years had a positive operating cash flow.
1.2 Ratios
XAU's Return On Assets of 8.61% is fine compared to the rest of the industry. XAU outperforms 80.00% of its industry peers.
Looking at the Return On Equity, with a value of 16.53%, XAU is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
XAU's Return On Invested Capital of 8.23% is fine compared to the rest of the industry. XAU outperforms 66.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XAU is in line with the industry average of 9.28%.
The 3 year average ROIC (7.53%) for XAU is below the current ROIC(8.23%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.61% | ||
| ROE | 16.53% | ||
| ROIC | 8.23% |
ROA(3y)-1.7%
ROA(5y)-0.45%
ROE(3y)-1.49%
ROE(5y)-0.26%
ROIC(3y)7.53%
ROIC(5y)5.5%
1.3 Margins
XAU's Profit Margin of 17.10% is amongst the best of the industry. XAU outperforms 86.67% of its industry peers.
XAU's Operating Margin of 17.32% is fine compared to the rest 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 has a Gross Margin of 23.49%. This is in the lower half of the industry: XAU underperforms 73.33% of its industry peers.
In the last couple of years the Gross Margin of XAU has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.32% | ||
| PM (TTM) | 17.1% | ||
| GM | 23.49% |
OM growth 3Y129.49%
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.
XAU has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.36, we must say that XAU is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.36, XAU is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
XAU has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
XAU has a better Debt to FCF ratio (1.62) than 93.33% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that XAU is not too dependend on debt financing.
XAU has a better Debt to Equity ratio (0.47) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 1.36 |
ROIC/WACC1.06
WACC7.75%
2.3 Liquidity
A Current Ratio of 1.09 indicates that XAU should not have too much problems paying its short term obligations.
The Current ratio of XAU (1.09) is worse than 66.67% of its industry peers.
A Quick Ratio of 1.04 indicates that XAU should not have too much problems paying its short term obligations.
XAU has a better Quick ratio (1.04) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 203.56% over the past year.
Looking at the last year, XAU shows a very strong growth in Revenue. The Revenue has grown by 109.76%.
The Revenue for XAU have been decreasing by -25.78% on average. This is quite bad
EPS 1Y (TTM)203.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%274.34%
Revenue 1Y (TTM)109.76%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%164.27%
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
XAU is valuated cheaply with a Price/Earnings ratio of 4.99.
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.
Compared to an average S&P500 Price/Earnings ratio of 25.89, XAU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, XAU is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
XAU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. XAU is cheaper than 86.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.61 | ||
| EV/EBITDA | 7.03 |
4.3 Compensation for Growth
XAU has a very decent profitability rating, which 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 (11/14/2025, 7:00:00 PM)
10.93
+0.03 (+0.28%)
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 Cap138.59M
Revenue(TTM)173.13M
Net Income(TTM)29.60M
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 | 4.99 | ||
| Fwd PE | N/A | ||
| P/S | 0.8 | ||
| P/FCF | 2.61 | ||
| P/OCF | 2.6 | ||
| P/B | 0.77 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | 7.03 |
EPS(TTM)2.19
EY20.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.19
FCFY38.35%
OCF(TTM)4.2
OCFY38.39%
SpS13.65
BVpS14.12
TBVpS12.84
PEG (NY)N/A
PEG (5Y)N/A
Graham Number26.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.61% | ||
| ROE | 16.53% | ||
| ROCE | 11.42% | ||
| ROIC | 8.23% | ||
| ROICexc | 8.52% | ||
| ROICexgc | 9.11% | ||
| OM | 17.32% | ||
| PM (TTM) | 17.1% | ||
| GM | 23.49% | ||
| FCFM | 30.7% |
ROA(3y)-1.7%
ROA(5y)-0.45%
ROE(3y)-1.49%
ROE(5y)-0.26%
ROIC(3y)7.53%
ROIC(5y)5.5%
ROICexc(3y)8.47%
ROICexc(5y)6.29%
ROICexgc(3y)10.03%
ROICexgc(5y)7.79%
ROCE(3y)10.45%
ROCE(5y)7.64%
ROICexgc growth 3Y15.41%
ROICexgc growth 5YN/A
ROICexc growth 3Y26.17%
ROICexc growth 5YN/A
OM growth 3Y129.49%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y71.31%
GM growth 5Y49.71%
F-Score6
Asset Turnover0.5
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 1.62 | ||
| Debt/EBITDA | 2.72 | ||
| Cap/Depr | 8.73% | ||
| Cap/Sales | 0.03% | ||
| Interest Coverage | 6.91 | ||
| Cash Conversion | 173.77% | ||
| Profit Quality | 179.59% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z | 1.36 |
F-Score6
WACC7.75%
ROIC/WACC1.06
Cap/Depr(3y)0.72%
Cap/Depr(5y)1.83%
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)203.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%274.34%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)109.76%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%164.27%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y32.68%
EBIT growth 3Y52.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1190.19%
FCF growth 3YN/A
FCF growth 5Y82.3%
OCF growth 1Y-15.91%
OCF growth 3YN/A
OCF growth 5Y81.29%
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%.