XAU Fundamental Analysis - GOLDMONEY INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to XAU. XAU was compared to 17 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 has a valuation in line with the averages, but it does not seem to be growing.

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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.

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

Looking at the Return On Assets, with a value of 4.26%, XAU is in line with its industry, outperforming 58.82% of the companies in the same industry.

With a decent Return On Equity value of 8.94%, XAU is doing good in the industry, outperforming 64.71% of the companies in the same industry.

XAU's Return On Invested Capital of 7.07% is fine compared to the rest of the industry. XAU outperforms 64.71% of its industry peers.

		Industry Rank	Sector Rank
ROA	4.26%
ROE	8.94%
ROIC	7.07%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 13.97%, XAU belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.

XAU has a better Operating Margin (23.26%) than 88.24% of its industry peers.

In the last couple of years the Operating Margin of XAU has grown nicely.

The Gross Margin of XAU (32.95%) is worse than 70.59% of its industry peers.

XAU's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	23.26%
PM (TTM)	13.97%
GM	32.95%

OM growth 3Y129.49%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y71.31%

GM growth 5Y49.71%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), XAU is destroying value.

XAU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

Based on the Altman-Z score of 0.93, we must say that XAU is in the distress zone and has some risk of bankruptcy.

XAU has a worse Altman-Z score (0.93) than 76.47% of its industry peers.

XAU has a debt to FCF ratio of 1.74. This is a very positive value and a sign of high solvency as it would only need 1.74 years to pay back of all of its debts.

XAU's Debt to FCF ratio of 1.74 is amongst the best of the industry. XAU outperforms 82.35% of its industry peers.

XAU has a Debt/Equity ratio of 0.52. This is a neutral value indicating XAU is somewhat dependend on debt financing.

XAU has a Debt to Equity ratio (0.52) which is in line with its industry peers.

Although XAU does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	1.74
Altman-Z	0.93

ROIC/WACC0.79

WACC8.96%

2.3 Liquidity

A Current Ratio of 1.08 indicates that XAU should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.08, XAU is doing worse than 70.59% of the companies in the same industry.

A Quick Ratio of 1.04 indicates that XAU should not have too much problems paying its short term obligations.

XAU has a Quick ratio of 1.04. This is amongst the best in the industry. XAU outperforms 82.35% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.08
Quick Ratio	1.04

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

XAU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.58%, which is quite impressive.

XAU shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.85%.

Measured over the past years, XAU shows a very negative growth in Revenue. The Revenue has been decreasing by -25.78% on average per year.

EPS 1Y (TTM)155.58%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%130.31%

Revenue 1Y (TTM)52.85%

Revenue growth 3Y-33.74%

Revenue growth 5Y-25.78%

Sales Q2Q%102.12%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.86, which indicates a very decent valuation of XAU.

Based on the Price/Earnings ratio, XAU is valued cheaper than 94.12% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.48. XAU is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.86
Fwd PE	N/A

4.2 Price Multiples

XAU's Enterprise Value to EBITDA ratio is in line with the industry average.

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	2.33
EV/EBITDA	7.61

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

XAU does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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GOLDMONEY INC

TSX:XAU (8/8/2025, 7:00:00 PM)

9.21

-0.04 (-0.43%)

Chartmill FA Rating

GICS SectorConsumer Discretionary

GICS IndustryGroupConsumer Discretionary Distribution & Retail

GICS IndustrySpecialty Retail

Earnings (Last)06-30 2025-06-30

Earnings (Next)N/A N/A

Inst Owners5.94%

Inst Owner ChangeN/A

Ins Owners37.45%

Ins Owner ChangeN/A

Market Cap116.05M

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	8.86
Fwd PE	N/A
P/S	1.11
P/FCF	2.33
P/OCF	2.33
P/B	0.71
P/tB	0.79
EV/EBITDA	7.61

EPS(TTM)1.04

EY11.29%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.95

FCFY42.85%

OCF(TTM)3.95

OCFY42.86%

SpS8.28

BVpS12.93

TBVpS11.63

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	4.26%
ROE	8.94%
ROCE	9.82%
ROIC	7.07%
ROICexc	7.45%
ROICexgc	8.01%
OM	23.26%
PM (TTM)	13.97%
GM	32.95%
FCFM	47.67%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

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-Score5

Asset Turnover0.31

Health

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	1.74
Debt/EBITDA	3.36
Cap/Depr	1.17%
Cap/Sales	0.01%
Interest Coverage	10.13
Cash Conversion	198.74%
Profit Quality	341.31%
Current Ratio	1.08
Quick Ratio	1.04
Altman-Z	0.93

F-Score5

WACC8.96%

ROIC/WACC0.79

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)155.58%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%130.31%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)52.85%

Revenue growth 3Y-33.74%

Revenue growth 5Y-25.78%

Sales Q2Q%102.12%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y39.49%

EBIT growth 3Y52.06%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-32.34%

FCF growth 3YN/A

FCF growth 5Y82.3%

OCF growth 1Y-32.34%

OCF growth 3YN/A

OCF growth 5Y81.29%

GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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