Currency Exchange International, Corp. provides currency exchange and related products in the United States and Canada. More Details
Reasonable growth potential with mediocre balance sheet.
Share Price & News
How has Currency Exchange International's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CXI is not significantly more volatile than the rest of Canadian stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: CXI's weekly volatility (9%) has been stable over the past year.
7 Day Return
CA Consumer Finance
1 Year Return
CA Consumer Finance
Return vs Industry: CXI underperformed the Canadian Consumer Finance industry which returned 34.9% over the past year.
Return vs Market: CXI underperformed the Canadian Market which returned 1.7% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Currency Exchange International's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 weeks ago | Simply Wall StReflecting on Currency Exchange International's (TSE:CXI) Share Price Returns Over The Last Three Years
2 months ago | Simply Wall StHow Much Are Currency Exchange International, Corp. (TSE:CXI) Insiders Spending On Buying Shares?
3 months ago | Simply Wall StHere's What We Learned About The CEO Pay At Currency Exchange International, Corp. (TSE:CXI)
Is Currency Exchange International undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: CXI (CA$11) is trading above our estimate of fair value (CA$8.8)
Significantly Below Fair Value: CXI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CXI is unprofitable, so we can't compare its PE Ratio to the XN Consumer Finance industry average.
PE vs Market: CXI is unprofitable, so we can't compare its PE Ratio to the Canadian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CXI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CXI's PB Ratio (0.9x) is in line with the CA Consumer Finance industry average.
How is Currency Exchange International forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CXI is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.5%).
Earnings vs Market: CXI is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: CXI's is expected to become profitable in the next 3 years.
Revenue vs Market: CXI's revenue (16.2% per year) is forecast to grow faster than the Canadian market (7.9% per year).
High Growth Revenue: CXI's revenue (16.2% per year) is forecast to grow slower 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
How has Currency Exchange International performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CXI is currently unprofitable.
Growing Profit Margin: CXI is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: CXI is unprofitable, and losses have increased over the past 5 years at a rate of 20.5% per year.
Accelerating Growth: Unable to compare CXI's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: CXI is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-17.2%).
Return on Equity
High ROE: CXI has a negative Return on Equity (-6.98%), as it is currently unprofitable.
How is Currency Exchange International's financial position?
Financial Position Analysis
Short Term Liabilities: CXI's short term assets ($79.9M) exceed its short term liabilities ($30.2M).
Long Term Liabilities: CXI's short term assets ($79.9M) exceed its long term liabilities ($4.4M).
Debt to Equity History and Analysis
Debt Level: CXI's debt to equity ratio (30.3%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if CXI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: CXI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if CXI's interest payments on its debt are well covered by EBIT.
What is Currency Exchange International current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CXI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CXI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CXI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CXI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CXI's dividend in 3 years as they are not forecast to pay a notable one for the Canadian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Randolph Pinna (51 yo)
Mr. Randolph W. Pinna, Founded Currency Exchange International, Corp. in 2007 and has been its Chief Executive Officer and President October 2007. From 1989 to 2007, Mr. Pinna served as the President and C...
CEO Compensation Analysis
Compensation vs Market: Randolph's total compensation ($USD555.58K) is above average for companies of similar size in the Canadian market ($USD153.12K).
Compensation vs Earnings: Randolph's compensation has been consistent with company performance over the past year.
|CEO, President & Director||13.25yrs||US$555.58k||21.45% |
|Chief Financial Officer||3.67yrs||US$331.46k||0.017% |
|Chief Compliance Officer||2.67yrs||US$296.73k||no data|
|Chief Risk Officer||2yrs||US$488.17k||no data|
|Chief Operating Officer||13.25yrs||US$196.83k||0.20% |
|Investor Relations Manager||no data||no data||no data|
|Vice President of Human Resources||6yrs||no data||0.060% |
|Treasurer||1.08yrs||no data||no data|
|Corporate Secretary||1yr||no data||0.0062% |
Experienced Management: CXI's management team is considered experienced (3.7 years average tenure).
|CEO, President & Director||13.25yrs||US$555.58k||21.45% |
|Independent Director||8.67yrs||US$60.00k||0.39% |
|Independent Director||1.25yrs||US$32.18k||0.047% |
|Independent Director||2.67yrs||US$60.00k||no data|
|Chairman & Lead Independent Director||0.83yr||US$77.50k||0.16% |
|Independent Director||9.75yrs||US$60.00k||0.26% |
|Independent Director||2.83yrs||US$62.50k||0.10% |
|Independent Director||1.83yrs||US$41.25k||no data|
Experienced Board: CXI's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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 company bio, employee growth, exchange listings and data sources
- Name: Currency Exchange International, Corp.
- Ticker: CXI
- Exchange: TSX
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: CA$70.564m
- Shares outstanding: 6.41m
- Website: https://www.ceifx.com
Number of Employees
- Currency Exchange International, Corp.
- 6675 Westwood Boulevard
- Suite 300
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CURN||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Mar 2012|
|CXI||TSX (The Toronto Stock Exchange)||Yes||Common Stock||CA||CAD||Mar 2012|
Currency Exchange International, Corp. provides currency exchange and related products in the United States and Canada. Its services include foreign currency exchange, international wire transfer and elect...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/17 01:13|
|End of Day Share Price||2021/01/15 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.