Currency Exchange International (CXI) AI Stock Analysis

• Market Cap: C$152.96M
• Dividend Yield: N/A
• Average Volume (3M): 4.09K
• Price to Earnings (P/E): 25.6
• Beta (1Y): 0.23
• Revenue Growth: -4.76%
• EPS Growth: -40.05%
• Country: CA
• Employees: 397
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.91
• Shares Outstanding: 6,118,266
• 10 Day Avg. Volume: 2,933
• 30 Day Avg. Volume: 4,089
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$25.00
• Price Target Upside: 0.81% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: C$25.00 ▲(0.81% Upside)

Currency Exchange International's overall stock score reflects strong financial performance with robust profitability and a stable balance sheet. However, technical indicators suggest the stock is overbought, and valuation metrics indicate limited upside potential. The absence of a dividend yield further impacts the score.

Currency Exchange International Business Overview & Revenue Model

Company Description

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. It operates a network of 35 branches. The company was formerly known as Currency Exchange International, Inc. and changed its name to Currency Exchange International, Corp. in October 2007. Currency Exchange International, Corp. was incorporated in 1998 and is headquartered in Orlando, Florida.

How the Company Makes Money

Currency Exchange International generates revenue primarily through the spread between the buying and selling rates of foreign currencies, commonly referred to as the 'bid-ask spread.' This margin allows CXI to profit from each currency exchange transaction. Additionally, the company earns revenue from service fees associated with foreign currency transactions, international money transfers, and other financial services. CXI also benefits from partnerships with various financial institutions, travel agencies, and online platforms that facilitate currency exchange, further expanding its market reach and customer base. The combination of transaction fees, currency spread, and strategic partnerships significantly contributes to CXI's overall earnings.

Currency Exchange International Financial Statement Overview

Summary

Currency Exchange International shows strong profitability and a stable balance sheet with efficient cost management and low leverage. However, cash flow generation is a concern, and revenue has slightly declined. The financial position is sound, supported by strong equity and manageable debt levels.

Income Statement

Currency Exchange International has demonstrated strong revenue growth and improving profitability. The gross profit margin for TTM is 68.6%, indicating efficient cost management. The net profit margin has increased to 4.7% TTM, showing enhanced profitability. However, the revenue growth rate is slightly negative at -2.9% TTM, suggesting a minor decline in sales. The EBIT margin of 21.4% and EBITDA margin of 18.3% highlight solid operational performance.

Balance Sheet

The company's financial stability is reinforced by a low debt-to-equity ratio of 0.086, indicating conservative leverage. A healthy return on equity (ROE) of 4.8% TTM reflects efficient utilization of equity capital, though there is room for improvement. The equity ratio of 61.9% underlines a strong equity base. Overall, the balance sheet is robust with manageable debt levels and solid equity support.

Cash Flow

The cash flow analysis reveals challenges in generating positive operating cash flow, with a negative operating cash flow of -$5.9 million TTM. The free cash flow to net income ratio is negative, indicating difficulties in converting earnings into cash flow. However, the company has managed capital expenditures prudently, and the historical cash flow patterns show resilience. Improvement in cash flow generation is needed to enhance financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	82.80M	85.24M	81.95M	66.28M	30.26M	25.01M
Gross Profit	56.82M	48.11M	80.94M	40.87M	12.57M	8.15M
EBITDA	15.15M	13.40M	19.20M	18.83M	3.92M	-5.99M
Net Income	3.91M	2.47M	10.19M	11.78M	-1.13M	-8.52M
Balance Sheet
Total Assets	131.00M	131.16M	132.05M	125.53M	102.53M	85.76M
Cash, Cash Equivalents and Short-Term Investments	73.93M	101.88M	92.72M	88.56M	66.53M	59.31M
Total Debt	6.98M	11.34M	17.65M	10.46M	8.11M	8.51M
Total Liabilities	49.85M	51.77M	52.82M	56.22M	44.51M	27.53M
Stockholders Equity	81.15M	79.39M	79.23M	69.31M	58.02M	58.23M
Cash Flow
Free Cash Flow	-8.72M	23.67M	-1.66M	24.60M	7.25M	-1.53M
Operating Cash Flow	-5.89M	26.67M	-1.13M	25.52M	7.64M	-938.50K
Investing Cash Flow	-2.82M	-3.00M	-1.28M	-1.29M	-391.14K	-3.35M
Financing Cash Flow	-4.99M	-14.32M	6.17M	214.15K	-1.49M	795.04K

Currency Exchange International Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:CXI, the sentiment is Positive. The current price of 24.8 is above the 20-day moving average (MA) of 23.32, above the 50-day MA of 21.93, and above the 200-day MA of 21.26, indicating a bullish trend. The MACD of 0.84 indicates Negative momentum. The RSI at 70.71 is Negative, neither overbought nor oversold. The STOCH value of 96.63 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:CXI.

Currency Exchange International Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNP	85 Outperform	C$111.61M	3.55	43.85%	―	254.21%	132.59%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CXI	68 Neutral	C$152.96M	25.65	7.24%	―	-4.76%	-40.05%
FRNT	56 Neutral	C$11.92M	―	-66.86%	―	13.48%	-43.47%
BTCW	46 Neutral	C$20.40M	―	―	―	73.03%	25.25%
CBIT	42 Neutral	C$38.71M	1.91	-40.39%	―	76.55%	-507.14%

Currency Exchange International Corporate Events

Currency Exchange International Reports Q3 2025 Financial Results Amid Strategic Restructuring

Currency Exchange International reported a net income of $4.2 million for the third quarter of 2025, an 8% increase from the previous year, despite a net loss from its Canadian subsidiary, Exchange Bank of Canada, which is being discontinued. The company’s overall revenue grew by 7% due to strong performance in payments and banknotes, although adjusted net income decreased by 10% due to the impact of discontinued operations. The strategic decision to cease operations of the Exchange Bank of Canada is expected to shift certain costs to CXI’s continuing operations, with an estimated annualized cost of $3 million after tax.

The most recent analyst rating on (TSE:CXI) stock is a Hold with a C$22.50 price target. To see the full list of analyst forecasts on Currency Exchange International stock, see the TSE:CXI Stock Forecast page.

Currency Exchange International to Announce Q3 2025 Financial Results

Currency Exchange International announced it will release its third-quarter 2025 financial results on September 10, 2025, followed by an earnings conference call on September 11, 2025. This announcement allows stakeholders to gain insights into the company’s financial and operational performance, potentially impacting its market position and investor relations.

The most recent analyst rating on (TSE:CXI) stock is a Hold with a C$22.50 price target. To see the full list of analyst forecasts on Currency Exchange International stock, see the TSE:CXI Stock Forecast page.

Currency Exchange International Expands Share Buyback Program

Currency Exchange International announced that the Toronto Stock Exchange has approved an amendment to its share buyback program, allowing the company to increase the number of shares it can repurchase. This move reflects the board’s belief that the current market price may not fully reflect the shares’ long-term value, making the buyback an attractive use of funds. The amendment also includes changes to the automatic share purchase plan, enabling the purchase of up to 377,000 shares. This decision could potentially strengthen the company’s market position and offer value to shareholders.

The most recent analyst rating on (TSE:CXI) stock is a Hold with a C$22.00 price target. To see the full list of analyst forecasts on Currency Exchange International stock, see the TSE:CXI Stock Forecast page.

Currency Exchange International Reports Strong Q2 2025 Results Amid Strategic Restructuring

Currency Exchange International reported a significant increase in net income for the second quarter of 2025, with a 291% rise compared to the previous year, despite a 3% decline in total revenue due to reduced consumer demand for foreign currency. The company’s decision to cease operations of its Canadian subsidiary, Exchange Bank of Canada, is part of a strategic restructuring plan that may impact shared operating expenses and personnel costs, but it maintains a strong capital position with robust liquidity.