GOLDMONEY INC (XAU.CA) Stock Fundamental Analysis

TSX:XAU • VGG4001R1047

16.21 CAD
-0.17 (-1.04%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall XAU gets a fundamental rating of 5 out of 10. We evaluated XAU against 18 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.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year XAU was profitable.
  • XAU had a positive operating cash flow in the past year.
  • 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.
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 has a Return On Assets of 11.61%. This is in the better half of the industry: XAU outperforms 77.78% of its industry peers.
  • Looking at the Return On Equity, with a value of 23.09%, XAU is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
  • The Return On Invested Capital of XAU (12.17%) is better than 72.22% of its industry peers.
  • XAU had an Average Return On Invested Capital over the past 3 years of 7.53%. This is below the industry average of 11.22%.
  • The last Return On Invested Capital (12.17%) for XAU is above the 3 year average (7.53%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 11.61%
ROE 23.09%
ROIC 12.17%
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

  • With an excellent Profit Margin value of 20.60%, XAU belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • XAU has a Operating Margin of 22.15%. This is amongst the best in 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 26.44% 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 22.15%
PM (TTM) 20.6%
GM 26.44%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
  • XAU has less shares outstanding than it did 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

  • Based on the Altman-Z score of 1.74, we must say that XAU is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.74, XAU is doing worse than 61.11% of the companies in the same industry.
  • The Debt to FCF ratio of XAU is 1.67, which is an excellent value as it means it would take XAU, only 1.67 years of fcf income to pay off all of its debts.
  • XAU has a Debt to FCF ratio of 1.67. This is amongst the best in the industry. XAU outperforms 88.89% of its industry peers.
  • XAU has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • XAU has a better Debt to Equity ratio (0.47) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 1.67
Altman-Z 1.74
ROIC/WACC1.45
WACC8.42%
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

  • XAU has a Current Ratio of 1.10. 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 Current ratio (1.10) which is in line with its industry peers.
  • A Quick Ratio of 1.08 indicates that XAU should not have too much problems paying its short term obligations.
  • The Quick ratio of XAU (1.08) is better than 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.1
Quick Ratio 1.08
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • XAU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 257.54%, which is quite impressive.
  • The Revenue has grown by 160.79% 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)257.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%514.23%
Revenue 1Y (TTM)160.79%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%221.27%

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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • XAU is valuated cheaply with a Price/Earnings ratio of 4.88.
  • XAU's Price/Earnings ratio is rather cheap when compared to the industry. XAU is cheaper than 88.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, XAU is valued rather cheaply.
Industry RankSector Rank
PE 4.88
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XAU indicates a somewhat cheap valuation: XAU is cheaper than 66.67% of the companies listed in the same industry.
  • 88.89% of the companies in the same industry are more expensive than XAU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.63
EV/EBITDA 5.81
XAU.CA Per share dataXAU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

GOLDMONEY INC

TSX:XAU (2/27/2026, 7:00:00 PM)

16.21

-0.17 (-1.04%)

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 Cap201.49M
Revenue(TTM)216.29M
Net Income(TTM)44.56M
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 4.88
Fwd PE N/A
P/S 0.93
P/FCF 3.63
P/OCF 3.62
P/B 1.04
P/tB 1.14
EV/EBITDA 5.81
EPS(TTM)3.32
EY20.48%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.47
FCFY27.58%
OCF(TTM)4.47
OCFY27.6%
SpS17.4
BVpS15.52
TBVpS14.22
PEG (NY)N/A
PEG (5Y)N/A
Graham Number34.05
Profitability
Industry RankSector Rank
ROA 11.61%
ROE 23.09%
ROCE 16.91%
ROIC 12.17%
ROICexc 12.78%
ROICexgc 13.59%
OM 22.15%
PM (TTM) 20.6%
GM 26.44%
FCFM 25.69%
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-Score8
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 1.67
Debt/EBITDA 1.87
Cap/Depr 11.02%
Cap/Sales 0.02%
Interest Coverage 10.23
Cash Conversion 114.94%
Profit Quality 124.71%
Current Ratio 1.1
Quick Ratio 1.08
Altman-Z 1.74
F-Score8
WACC8.42%
ROIC/WACC1.45
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)257.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%514.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)160.79%
Revenue growth 3Y-33.74%
Revenue growth 5Y-25.78%
Sales Q2Q%221.27%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y132.32%
EBIT growth 3Y52.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y182.56%
FCF growth 3YN/A
FCF growth 5Y82.3%
OCF growth 1Y-21.6%
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 4.88 and the Price/Book (PB) ratio is 1.04.


How financially healthy is GOLDMONEY INC?

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