GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:XAU - VGG4001R1047 - Common Stock
10.21 CAD
+0.01 (+0.1%)
Overall XAU gets a fundamental rating of 5 out of 10. We evaluated XAU against 16 industry peers in the Specialty Retail industry. XAU has an excellent profitability rating, but there are some minor concerns on its financial health. 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.
XAU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.61%, XAU belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
XAU has a Return On Equity of 16.53%. This is amongst the best in the industry. XAU outperforms 81.25% of its industry peers.
With a decent Return On Invested Capital value of 8.23%, XAU is doing good in the industry, outperforming 68.75% of the companies in the same industry.
XAU had an Average Return On Invested Capital over the past 3 years of 7.53%. This is in line with the industry average of 8.76%.
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 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 has a Profit Margin of 17.10%. This is amongst the best in the industry. XAU outperforms 81.25% of its industry peers.
Looking at the Operating Margin, with a value of 17.32%, XAU belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
XAU's Operating Margin has improved in the last couple of years.
XAU has a worse Gross Margin (23.49%) than 68.75% of its industry peers.
XAU's Gross Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so XAU is still creating some value.
Compared to 1 year ago, XAU has about the same amount of shares outstanding.
Compared to 5 years ago, XAU has less shares outstanding
Compared to 1 year ago, XAU has a worse debt to assets ratio.
2.2 Solvency
XAU has an Altman-Z score of 1.32. This is a bad value and indicates that XAU is not financially healthy and even has some risk of bankruptcy.
XAU has a Altman-Z score of 1.32. This is in the lower half of the industry: XAU underperforms 75.00% of its industry peers.
The Debt to FCF ratio of XAU is 1.62, which is an excellent value as it means it would take XAU, only 1.62 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.62, XAU belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that XAU is not too dependend on debt financing.
XAU's Debt to Equity ratio of 0.47 is fine compared to the rest of the industry. XAU outperforms 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 1.32 |
ROIC/WACC1.02
WACC8.06%
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 62.50% 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.
XAU has a better Quick ratio (1.04) than 81.25% 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
A Price/Earnings ratio of 4.66 indicates a rather cheap 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.
Compared to an average S&P500 Price/Earnings ratio of 26.92, XAU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.66 | ||
| Fwd PE | N/A |
4.2 Price Multiples
XAU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. XAU is cheaper than 62.50% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, XAU is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.42 | ||
| EV/EBITDA | 6.72 |
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 | 0% |
TSX:XAU (1/7/2026, 7:00:00 PM)
10.21
+0.01 (+0.1%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners5.99%
Inst Owner ChangeN/A
Ins Owners39.33%
Ins Owner ChangeN/A
Market Cap128.85M
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 | 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.66 | ||
| Fwd PE | N/A | ||
| P/S | 0.74 | ||
| P/FCF | 2.42 | ||
| P/OCF | 2.42 | ||
| P/B | 0.72 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | 6.72 |
EPS(TTM)2.19
EY21.45%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.21
FCFY41.25%
OCF(TTM)4.22
OCFY41.3%
SpS13.72
BVpS14.19
TBVpS12.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number26.44
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 | 1.32 |
F-Score6
WACC8.06%
ROIC/WACC1.02
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 5 / 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 7 / 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 4.66 and the Price/Book (PB) ratio is 0.72.
How financially healthy is GOLDMONEY INC?
The financial health rating of GOLDMONEY INC (XAU.CA) is 5 / 10.