Currency Exchange International (CXI) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jun 16, 2026

TBA (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.38

Last Year’s EPS

0.57

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 1 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 21, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented a generally positive operational and financial picture: revenue, adjusted net income, adjusted EBITDA, payments volume and DTC channel all showed solid growth. The company has a strong balance sheet with significant cash, active share buybacks, and progress on the EBC discontinuance which materially reduced past losses. Key challenges include remaining stranded costs from the EBC exit, nonrecurring restructuring charges, flat wholesale banknotes due to travel headwinds, and higher variable processing costs tied to growth in payments. Management highlighted strategic focus on payments growth, online FX expansion, and prudent capital allocation (buybacks and selective M&A). Overall, positives (profitability improvement, payments momentum, liquidity) materially outweigh the remaining lowlights.

Company Guidance

Management guided that final regulatory approval to discontinue Exchange Bank of Canada is expected in Q2 FY2026, after which EBC’s remaining net assets (~US$5M) will be liquidated and distributed to CXI; stranded costs originally estimated at ~US$3M (after tax) are now expected to be ~90% of that annualized amount. Management reiterated a focus on growing payments and banknotes—payments now represent ~17% of revenue and drove Q4 payments revenue +31% (Q4 volume +40% to ~US$2.1B; FY volume +31% to ~US$6.7B, payments FY growth +19 or ~US$2M)—with sustainable momentum from core integrations (Jack Henry, Fiserv), SaaS Fed Direct use, and stablecoin testing. Capital allocation priorities remain accretive M&A only, continued NCIB buybacks (past year 312,300 shares for US$4.75M; new NCIB max 360,000; ~170,000 repurchased so far), and consideration of special distributions; liquidity is strong with cash US$95.5M (+~US$5M in EBC, total >US$100M), US$25M in AAA money markets, US$53.2M banknote inventory (target range US$50–70M), US$42.2M cash-in-banks, net working capital US$73M, unused credit US$40M, total equity US$85M and trailing ROE ~13%. Near-term financial context cited: Q4 revenue US$19.8M (+8%), Q4 operating expenses ~US$13M (+6%), reported EBITDA US$6.4M (+4%) and adjusted EBITDA US$6.8M (+10%), adjusted Q4 net income US$3.3M (+19%); FY revenue US$72.5M (+5%), FY expenses US$48.5M (+3%), continuing ops net income US$14M (+6%), adjusted group net income US$10.8M (+6%) and adjusted diluted EPS US$1.77 (+14%); one‑time items include ~US$400k Miami vault closure, ~US$270k branch impairments, and a US$1M recovery reducing EBC’s penalty; effective tax rate ~18% (stock option benefit ~9%).

Significant Yearly Net Income Improvement

Reported group net income of $10.3M for fiscal 2025, up $7.8M (317%) vs prior year; continuing operations net income $14M. Adjusted group net income $10.8M, up 6% year-over-year; adjusted net income from continuing operations $14.5M, up 10%.

Revenue Growth

Full-year revenue $72.5M, up $3.5M (5%) vs prior year. Q4 revenue $19.8M, up $1.4M (8%) vs Q4 2024.

Robust Payments Momentum

Payments revenue grew 31% in the quarter and 19% for the year; payments now represent ~17% of total revenue. Quarter trading volume increased ~40% to ~ $2.1B; annual trading volume rose ~31% to ~$6.7B (from $5.1B).

Improved Profitability Metrics and EBITDA

Reported EBITDA grew to $23.3M for the year (+7%) and adjusted EBITDA rose to $24M (+10% YOY). Q4 adjusted EBITDA $6.8M, up ~10% YOY. Adjusted diluted EPS $1.77, up 14%.

Direct-to-Consumer (DTC) and Online FX Growth

Q4 DTC banknotes revenue up ~$600K (8%), representing 43% of Q4 revenue; full-year DTC revenue up $1.1M (4%) representing 41% of annual revenue. Online FX expanded into new states (added South Carolina this quarter; 3 states added during year) and home delivery capability now in 46 states (~93% of U.S. population).

Strong Balance Sheet and Liquidity

Cash balance reported $95.5M (total cash slightly > $100M including ~$5M in EBC). $25M held in AAA-rated money market funds. Net working capital $73M, total equity $85M, and $40M unused credit line. Trailing 12-month ROE approx. 13%.

Successful Wind-Down of Exchange Bank of Canada (EBC)

EBC ceased operations Oct 31, 2025; regulatory discontinuance approvals expected in Q2 FY2026. Discontinued operations loss narrowed: Q4 loss $1.1M vs $6.1M prior-year Q4; FY loss $3.7M vs $10.7M prior year. Canadian Federal Court reduced EBC administrative penalty by USD $1M.

Operational Scale and Distribution Expansion

At Oct 31, 2025: 39 company-owned branches, 50 airport agents ( +3 YOY), and 468 non-airport agent locations (up ~245 YOY). Opened new company branch in New York and added 51+ non-airport agents in the quarter.

Active Capital Return via Share Buybacks

Repurchased and cancelled 312,300 shares for $4.75M over the past year. New NCIB approved to buy up to 360,000 shares; ~170,000 purchased under the new program to date.

Interest Income from Excess Cash

Interest revenue notable due to holding nearly $25M in AAA money market funds (vs $0 prior year), contributing incremental interest income as a result of reduced working capital needs from EBC discontinuance.

Currency Exchange International (TSE:CXI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TSE:CXI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jun 16, 2026	2026 (Q2)	0.38 / -	0.575	―	―	―
Mar 11, 2026	2026 (Q1)	0.47 / 0.44	0.233	88.24% (+0.21)		―
Jan 21, 2026	2025 (Q4)	0.89 / 1.42	0.575	147.62% (+0.85)	―	―
Sep 10, 2025	2025 (Q3)	0.56 / 0.90	0.807	11.86% (+0.10)	―	―
Jun 11, 2025	2025 (Q2)	- / 0.57	0.41	40.00% (+0.16)	―	―
Mar 12, 2025	2025 (Q1)	0.37 / 0.23	0.178	30.77% (+0.05)	―	―
Jan 22, 2025	2024 (Q4)	0.89 / 0.57	0.465	23.53% (+0.11)	―	―
Sep 11, 2024	2024 (Q3)	0.92 / 0.81	0.821	-1.67% (-0.01)	―	―
Jun 12, 2024	2024 (Q2)	0.38 / 0.41	0.452	-9.09% (-0.04)	―	―
Mar 13, 2024	2024 (Q1)	0.36 / 0.18	0.328	-45.83% (-0.15)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TSE:CXI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Mar 11, 2026	C$27.16	C$26.75	-1.51%
Jan 21, 2026	C$22.27	C$23.00	+3.25%
Sep 10, 2025	C$23.20	C$23.00	-0.86%
Jun 11, 2025	C$20.75	C$20.29	-2.22%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Currency Exch Intl J (TSE:CXI) report earnings?

Currency Exch Intl J (TSE:CXI) is schdueled to report earning on Jun 16, 2026, TBA (Confirmed).

What is Currency Exch Intl J (TSE:CXI) earnings time?

Currency Exch Intl J (TSE:CXI) earnings time is at Jun 16, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is TSE:CXI EPS forecast?

TSE:CXI EPS forecast for the fiscal quarter 2026 (Q2) is 0.38.