GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:XAU • VGG4001R1047

10.75 CAD
-0.73 (-6.36%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

4

Overall XAU gets a fundamental rating of 4 out of 10. We evaluated XAU against 18 industry peers in the Specialty Retail industry. Both the profitability and the financial health of XAU get a neutral evaluation. Nothing too spectacular is happening here. XAU is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

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.
XAU.CA Yearly Net Income VS EBIT VS OCF VS FCFXAU.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M

1.2 Ratios

  • XAU's Return On Assets of 8.61% is fine compared to the rest of the industry. XAU outperforms 72.22% of its industry peers.
  • XAU has a better Return On Equity (16.53%) than 72.22% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.23%, XAU is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for XAU is below the industry average of 11.04%.
  • The last Return On Invested Capital (8.23%) for XAU is above the 3 year average (7.53%), which is a sign of increasing profitability.
Industry RankSector 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%
XAU.CA Yearly ROA, ROE, ROICXAU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • XAU's Profit Margin of 17.10% is amongst the best of the industry. XAU outperforms 83.33% of its industry peers.
  • XAU's Operating Margin of 17.32% is amongst the best of the industry. XAU outperforms 83.33% of its industry peers.
  • In the last couple of years the Operating Margin of XAU has grown nicely.
  • XAU's Gross Margin of 23.49% is on the low side compared to the rest of the industry. XAU is outperformed by 72.22% of its industry peers.
  • In the last couple of years the Gross Margin of XAU has grown nicely.
Industry RankSector 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%
XAU.CA Yearly Profit, Operating, Gross MarginsXAU.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

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5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so XAU is still 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.
XAU.CA Yearly Shares OutstandingXAU.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
XAU.CA Yearly Total Debt VS Total AssetsXAU.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.2 Solvency

  • XAU has an Altman-Z score of 1.35. This is a bad value and indicates that XAU is not financially healthy and even has some risk of bankruptcy.
  • XAU has a worse Altman-Z score (1.35) than 66.67% of its industry peers.
  • 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.
  • With an excellent Debt to FCF ratio value of 1.62, XAU belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • A Debt/Equity ratio of 0.47 indicates that XAU is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.47, XAU is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 1.62
Altman-Z 1.35
ROIC/WACC1
WACC8.2%
XAU.CA Yearly LT Debt VS Equity VS FCFXAU.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

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 61.11% of its industry peers.
  • XAU has a Quick Ratio of 1.04. This is a normal value and indicates that XAU is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.04, XAU belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.04
XAU.CA Yearly Current Assets VS Current LiabilitesXAU.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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2

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%.
  • 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)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.
XAU.CA Yearly Revenue VS EstimatesXAU.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
XAU.CA Yearly EPS VS EstimatesXAU.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 0 1 -1

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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.91, the valuation of XAU can be described as very cheap.
  • Based on the Price/Earnings ratio, XAU is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of XAU to the average of the S&P500 Index (28.41), we can say XAU is valued rather cheaply.
Industry RankSector Rank
PE 4.91
Fwd PE N/A
XAU.CA Price Earnings VS Forward Price EarningsXAU.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 61.11% of the companies in the same industry are more expensive than XAU, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, XAU is valued cheaper than 94.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.55
EV/EBITDA 6.94
XAU.CA Per share dataXAU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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

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0

5. Dividend

5.1 Amount

  • No dividends for XAU!.
Industry RankSector Rank
Dividend Yield 0%

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GOLDMONEY INC

TSX:XAU (2/2/2026, 7:00:00 PM)

10.75

-0.73 (-6.36%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)11-05
Earnings (Next)N/A
Inst Owners5.99%
Inst Owner ChangeN/A
Ins Owners39.33%
Ins Owner ChangeN/A
Market Cap135.66M
Revenue(TTM)173.13M
Net Income(TTM)29.60M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 RankSector Rank
PE 4.91
Fwd PE N/A
P/S 0.78
P/FCF 2.55
P/OCF 2.55
P/B 0.76
P/tB 0.83
EV/EBITDA 6.94
EPS(TTM)2.19
EY20.37%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.21
FCFY39.18%
OCF(TTM)4.22
OCFY39.22%
SpS13.72
BVpS14.19
TBVpS12.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number26.44
Profitability
Industry RankSector 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 RankSector 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 1.35
F-Score6
WACC8.2%
ROIC/WACC1
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.


What is the valuation status for XAU stock?

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 are the PE and PB ratios of GOLDMONEY INC (XAU.CA) stock?

The Price/Earnings (PE) ratio for GOLDMONEY INC (XAU.CA) is 4.91 and the Price/Book (PB) ratio is 0.76.


How financially healthy is GOLDMONEY INC?

The financial health rating of GOLDMONEY INC (XAU.CA) is 5 / 10.