GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:XAU - VGG4001R1047 - Common Stock
11.11 CAD
+0.04 (+0.36%)
We assign a fundamental rating of 5 out of 10 to XAU. XAU was compared to 16 industry peers in the Specialty Retail industry. XAU scores excellent on profitability, but there are some minor concerns on its financial health. XAU has a valuation in line with the averages, 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
The Return On Assets of XAU (8.61%) is better than 81.25% of its industry peers.
XAU's Return On Equity of 16.53% is amongst the best of the industry. XAU outperforms 81.25% 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 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 9.19%.
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
The Profit Margin of XAU (17.10%) is better than 87.50% of its industry peers.
The Operating Margin of XAU (17.32%) is better than 81.25% of its industry peers.
XAU's Operating Margin has improved in the last couple of years.
XAU has a Gross Margin of 23.49%. This is in the lower half of the industry: XAU underperforms 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), XAU is creating some value.
Compared to 1 year ago, XAU has about the same amount of shares outstanding.
The number of shares outstanding for XAU has been reduced compared to 5 years ago.
The debt/assets ratio for XAU is higher compared to a year ago.
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.
The Altman-Z score of XAU (1.36) is worse than 75.00% 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.
XAU has a Debt to FCF ratio of 1.62. This is amongst the best in the industry. XAU outperforms 93.75% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that XAU is not too dependend on debt financing.
The Debt to Equity ratio of XAU (0.47) is better than 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 1.36 |
ROIC/WACC1.03
WACC7.98%
2.3 Liquidity
XAU has a Current Ratio of 1.09. 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 worse Current ratio (1.09) than 62.50% of its industry peers.
A Quick Ratio of 1.04 indicates that XAU should not have too much problems paying its short term obligations.
The Quick ratio of XAU (1.04) is better than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
XAU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 203.56%, which is quite impressive.
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.
4. Valuation
4.1 Price/Earnings Ratio
XAU is valuated cheaply with a Price/Earnings ratio of 5.07.
XAU's Price/Earnings ratio is rather cheap when compared to the industry. XAU is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of XAU to the average of the S&P500 Index (26.34), we can say XAU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.07 | ||
| 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 68.75% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of XAU indicates a rather cheap valuation: XAU is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.64 | ||
| EV/EBITDA | 7.09 |
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
5. Dividend
5.1 Amount
XAU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:XAU (12/8/2025, 7:00:00 PM)
11.11
+0.04 (+0.36%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners5.92%
Inst Owner ChangeN/A
Ins Owners38.88%
Ins Owner ChangeN/A
Market Cap140.21M
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 | 5.07 | ||
| Fwd PE | N/A | ||
| P/S | 0.81 | ||
| P/FCF | 2.64 | ||
| P/OCF | 2.63 | ||
| P/B | 0.78 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 7.09 |
EPS(TTM)2.19
EY19.71%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.21
FCFY37.91%
OCF(TTM)4.22
OCFY37.95%
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 | 1.36 |
F-Score6
WACC7.98%
ROIC/WACC1.03
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.
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 7 / 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%.