CXI Stock Overview
Currency Exchange International, Corp., together with its subsidiaries, engages in the money service and payment businesses in the United States and Canada.
Currency Exchange International Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||CA$16.20|
|52 Week High||CA$19.80|
|52 Week Low||CA$12.00|
|1 Month Change||-11.23%|
|3 Month Change||-10.89%|
|1 Year Change||25.10%|
|3 Year Change||-27.68%|
|5 Year Change||-38.40%|
|Change since IPO||123.45%|
Recent News & Updates
|CXI||CA Consumer Finance||CA Market|
Return vs Industry: CXI exceeded the Canadian Consumer Finance industry which returned -52.9% over the past year.
Return vs Market: CXI exceeded the Canadian Market which returned -5.7% over the past year.
|CXI Average Weekly Movement||4.9%|
|Consumer Finance Industry Average Movement||6.9%|
|Market Average Movement||9.9%|
|10% most volatile stocks in CA Market||17.2%|
|10% least volatile stocks in CA Market||4.3%|
Stable Share Price: CXI is less volatile than 75% of Canadian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: CXI's weekly volatility (5%) has been stable over the past year.
About the Company
Currency Exchange International, Corp., together with its subsidiaries, engages in the money service and payment businesses in the United States and Canada. It offers financial institutions, international wire payments, foreign check clearing, foreign bank note exchange, and foreign draft issuance solutions; corporate, hedge and risk management, and international payment solutions; and international traveler’s, foreign currency exchange, bitcoin and ether cryptocurrencies, gold bullion coins and bars, multi-currency cash passport, and American Express traveler's cheque solutions. The company serves financial institutions, and money service businesses, as well as travel, technology, payroll, healthcare, and nonprofit sectors.
Currency Exchange International Fundamentals Summary
|CXI fundamental statistics|
Is CXI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CXI income statement (TTM)|
|Cost of Revenue||US$968.64k|
Last Reported Earnings
Apr 30, 2022
Next Earnings Date
|Earnings per share (EPS)||0.67|
|Net Profit Margin||9.75%|
How did CXI perform over the long term?See historical performance and comparison
Is CXI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CXI?
Other financial metrics that can be useful for relative valuation.
|What is CXI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CXI's PE Ratio compare to its peers?
|CXI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: CXI is good value based on its Price-To-Earnings Ratio (18.6x) compared to the peer average (21.7x).
Price to Earnings Ratio vs Industry
How does CXI's PE Ratio compare vs other companies in the Consumer Finance Industry?
Price-To-Earnings vs Industry: CXI is expensive based on its Price-To-Earnings Ratio (18.6x) compared to the North American Consumer Finance industry average (6.7x)
Price to Earnings Ratio vs Fair Ratio
What is CXI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||18.6x|
|Fair PE Ratio||18.9x|
Price-To-Earnings vs Fair Ratio: CXI is good value based on its Price-To-Earnings Ratio (18.6x) compared to the estimated Fair Price-To-Earnings Ratio (18.9x).
Share Price vs Fair Value
What is the Fair Price of CXI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate CXI's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate CXI's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: CXI is good value based on its PEG Ratio (0.5x)
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How is Currency Exchange International forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CXI's forecast earnings growth (34.5% per year) is above the savings rate (1.6%).
Earnings vs Market: CXI's earnings (34.5% per year) are forecast to grow faster than the Canadian market (7.4% per year).
High Growth Earnings: CXI's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CXI's revenue (20.4% per year) is forecast to grow faster than the Canadian market (6.6% per year).
High Growth Revenue: CXI's revenue (20.4% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CXI's Return on Equity is forecast to be high in 3 years time
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How has Currency Exchange International performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CXI has a large one-off gain of $3.5M impacting its April 30 2022 financial results.
Growing Profit Margin: CXI became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: CXI's earnings have declined by 42.4% per year over the past 5 years.
Accelerating Growth: CXI has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: CXI has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (11%).
Return on Equity
High ROE: CXI's Return on Equity (7.1%) is considered low.
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How is Currency Exchange International's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CXI's short term assets ($139.7M) exceed its short term liabilities ($86.6M).
Long Term Liabilities: CXI's short term assets ($139.7M) exceed its long term liabilities ($3.3M).
Debt to Equity History and Analysis
Debt Level: CXI has more cash than its total debt.
Reducing Debt: CXI's debt to equity ratio has increased from 5.7% to 46.5% over the past 5 years.
Debt Coverage: CXI's debt is well covered by operating cash flow (116.7%).
Interest Coverage: CXI's interest payments on its debt are well covered by EBIT (6.5x coverage).
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What is Currency Exchange International current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CXI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CXI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CXI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CXI's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as CXI has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Randolph Pinna (52 yo)
Mr. Randolph W. Pinna, Founded Currency Exchange International, Corp. in 2007 and has been its Chief Executive Officer and President October 2007. From 1989 to 2007, Mr. Pinna served as the President and C...
CEO Compensation Analysis
Compensation vs Market: Randolph's total compensation ($USD626.51K) is above average for companies of similar size in the Canadian market ($USD175.39K).
Compensation vs Earnings: Randolph's compensation has been consistent with company performance over the past year.
Experienced Management: CXI's management team is considered experienced (4.8 years average tenure).
Experienced Board: CXI's board of directors are considered experienced (9.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CXI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Currency Exchange International, Corp.'s employee growth, exchange listings and data sources
- Name: Currency Exchange International, Corp.
- Ticker: CXI
- Exchange: TSX
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: CA$103.995m
- Shares outstanding: 6.42m
- Website: https://www.ceifx.com
Number of Employees
- Currency Exchange International, Corp.
- 6675 Westwood Boulevard
- Suite 300
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.