XAU Fundamental Analysis - GOLDMONEY INC

Fundamental Rating

Taking everything into account, XAU scores 4 out of 10 in our fundamental rating. XAU was compared to 17 industry peers in the Specialty Retail industry. XAU has an average financial health and profitability rating. 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

In the past year XAU was profitable.

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 5.68%, XAU is in the better half of the industry, outperforming 76.47% of the companies in the same industry.

Looking at the Return On Equity, with a value of 11.09%, XAU is in the better half of the industry, outperforming 76.47% of the companies in the same industry.

XAU's Return On Invested Capital of 8.31% is fine compared to the rest of the industry. XAU outperforms 76.47% of its industry peers.

		Industry Rank	Sector Rank
ROA	5.68%
ROE	11.09%
ROIC	8.31%

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 12.79%, XAU belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.

XAU's Operating Margin of 19.86% is amongst the best of the industry. XAU outperforms 82.35% of its industry peers.

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

XAU has a worse Gross Margin (25.82%) than 70.59% 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)	12.79%
GM	25.82%

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

XAU has an Altman-Z score of 1.17. This is a bad value and indicates that XAU is not financially healthy and even has some risk of bankruptcy.

With a Altman-Z score value of 1.17, XAU is not doing good in the industry: 76.47% of the companies in the same industry are doing better.

The Debt to FCF ratio of XAU is 1.51, which is an excellent value as it means it would take XAU, only 1.51 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of XAU (1.51) is better than 88.24% of its industry peers.

XAU has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.49, XAU is doing good in the industry, outperforming 64.71% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	1.51
Altman-Z	1.17

ROIC/WACC0.9

WACC9.21%

2.3 Liquidity

A Current Ratio of 1.03 indicates that XAU should not have too much problems paying its short term obligations.

XAU's Current ratio of 1.03 is on the low side compared to the rest of the industry. XAU is outperformed by 70.59% of its industry peers.

XAU has a Quick Ratio of 1.03. This is a bad value and indicates that XAU is not financially healthy enough and could expect problems in meeting its short term obligations.

XAU's Quick ratio of 0.96 is fine compared to the rest of the industry. XAU outperforms 76.47% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.03
Quick Ratio	0.96

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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 183.32%, which is quite impressive.

The Revenue has grown by 87.47% in the past year. This is a very strong growth!

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)183.32%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.65%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.39 indicates a rather cheap valuation of XAU.

Based on the Price/Earnings ratio, XAU is valued cheaper than 100.00% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.13, XAU is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.39
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 76.47% of the companies in the same industry.

100.00% of the companies in the same industry are more expensive than XAU, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	1.97
EV/EBITDA	6.43

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

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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 (8/29/2025, 7:00:00 PM)

8.94

+0.02 (+0.22%)

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 Cap113.36M

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	6.39
Fwd PE	N/A
P/S	0.77
P/FCF	1.97
P/OCF	2.24
P/B	0.66
P/tB	0.73
EV/EBITDA	6.43

EPS(TTM)1.4

EY15.66%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)4.54

FCFY50.76%

OCF(TTM)3.99

OCFY44.62%

SpS11.68

BVpS13.47

TBVpS12.19

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	5.68%
ROE	11.09%
ROCE	11.54%
ROIC	8.31%
ROICexc	8.5%
ROICexgc	9.1%
OM	19.86%
PM (TTM)	12.79%
GM	25.82%
FCFM	38.86%

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-Score6

Asset Turnover0.44

Health

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	1.51
Debt/EBITDA	2.79
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	10.57
Cash Conversion	167.65%
Profit Quality	303.9%
Current Ratio	1.03
Quick Ratio	0.96
Altman-Z	1.17

F-Score6

WACC9.21%

ROIC/WACC0.9

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)183.32%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.65%

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 1Y45.16%

EBIT growth 3Y52.06%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y1050.78%

FCF growth 3YN/A

FCF growth 5Y82.3%

OCF growth 1Y-21.16%

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

More info and screens

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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