Currency Exchange International (CXI) AI Stock Analysis

• Market Cap: C$126.83M
• Dividend Yield: N/A
• Average Volume (3M): 2.50K
• Price to Earnings (P/E): 23.0
• Beta (1Y): 0.24
• Revenue Growth: -0.24%
• EPS Growth: -46.22%
• Country: CA
• Employees: 397
• Sector: Financial
• Sector Strength: 78
• Industry: Financial - Capital Markets
• EPS (TTM): 0.57
• Shares Outstanding: 6,250,962
• 10 Day Avg. Volume: 4,160
• 30 Day Avg. Volume: 2,499
• PEG Ratio: >-0.01
• Price to Book (P/B): 1.24
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.50
• Enterprise Value/Market Cap: 0.17
• Enterprise Value/Revenue: 0.06
• Enterprise Value/Gross Profit: 0.36
• Enterprise Value/Ebitda: 0.32
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: C$22.50 ▲(12.90%Upside)

Currency Exchange International's overall stock score is driven by strong financial performance and strategic corporate actions. Despite liquidity challenges and mixed technical indicators, the company's focus on U.S. expansion, strategic restructuring, and recent listing upgrade contribute positively. However, the lack of a dividend and moderate valuation tempers the outlook.

Currency Exchange International Business Overview & Revenue Model

Company Description

Currency Exchange International (CXI) is a financial services company specializing in foreign currency exchange and international payments. Operating within the financial services sector, CXI provides a range of products and services aimed at facilitating currency exchange for both personal and business needs. The company's core offerings include the exchange of over 80 currencies, international wire transfers, and the provision of foreign banknotes and traveler's cheques. CXI serves a diverse clientele, including individuals, financial institutions, and businesses, through its network of branches and partnerships with financial entities across North America.

How the Company Makes Money

Currency Exchange International generates revenue primarily through the exchange of foreign currencies. The company earns money by charging a margin on the exchange rate difference between buying and selling currencies. Additionally, CXI offers international payment services, such as wire transfers, which contribute to its revenue through service fees. The company also partners with financial institutions to provide foreign currency services, earning revenue through these collaborations. Another revenue stream is the sale of foreign banknotes and traveler's cheques, where CXI profits from the markup on these products. Overall, the company's revenue model is based on transaction fees, service charges, and margins on currency conversions.

Currency Exchange International Financial Statement Overview

Summary

Currency Exchange International demonstrates strong growth and profitability, with consistent revenue increases and solid profit margins. The balance sheet is stable with low debt levels, although recent cash flow challenges suggest a need for attention to liquidity management. Overall, the company is well-positioned in the capital markets industry but should focus on improving cash flow generation to sustain its growth momentum.

Income Statement

Currency Exchange International has shown a consistent upward trajectory in revenue growth, with a notable increase from 2022 to TTM (Trailing-Twelve-Months). The company maintains strong gross and net profit margins, reflecting efficient cost management and profitability. However, the net profit margin saw a slight decrease in the TTM compared to 2024, indicating some pressure on net earnings despite revenue growth. EBIT and EBITDA margins remain robust, supporting overall profitability.

Balance Sheet

The company's balance sheet exhibits a strong equity base with a healthy equity ratio, indicating good asset financing through equity. The debt-to-equity ratio is low, showcasing conservative leverage and financial stability. Return on Equity (ROE) remains positive, although it slightly decreased in the TTM, suggesting a need for improved net income efficiency relative to equity.

Cash Flow

Cash flow analysis shows fluctuations with a negative operating cash flow in the TTM, contrasting with positive operating cash flow in the previous period. The free cash flow has turned negative, indicating potential liquidity challenges. However, the company's ability to generate cash from operations compared to net income in previous periods suggests operational efficiency, despite recent setbacks.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
87.03M	85.24M	81.95M	66.28M	30.26M	25.01M
	Gross Profit
59.35M	48.11M	80.94M	40.87M	12.57M	8.15M
	EBIT
16.41M	15.68M	18.73M	18.72M	1.06M	-7.29M
	EBITDA
14.48M	13.40M	19.20M	18.83M	3.92M	-5.99M
	Net Income Common Stockholders
2.44M	2.47M	10.19M	11.78M	-1.13M	-8.52M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
92.89M	101.88M	92.72M	88.56M	66.53M	59.31M
	Total Assets
123.12M	131.16M	132.05M	125.53M	102.53M	85.76M
	Total Debt
12.72M	11.34M	17.65M	10.46M	8.11M	8.51M
	Net Debt
-80.17M	-90.54M	-75.07M	-78.10M	-58.42M	-50.80M
	Total Liabilities
43.67M	51.77M	52.82M	56.22M	44.51M	27.53M
	Stockholders Equity
79.45M	79.39M	79.23M	69.31M	58.02M	58.23M
Cash Flow		Free Cash Flow
-7.92M	23.67M	-1.66M	24.60M	7.25M	-1.53M
	Operating Cash Flow
-4.79M	26.67M	-1.13M	25.52M	7.64M	-938.50K
	Investing Cash Flow
-3.14M	-3.00M	-1.28M	-1.29M	-391.14K	-3.35M
	Financing Cash Flow
-3.30M	-14.32M	6.17M	214.15K	-1.49M	795.04K

Currency Exchange International Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 19.93
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:CXI, the sentiment is Negative. The current price of 19.93 is below the 20-day moving average (MA) of 20.57, below the 50-day MA of 20.33, and below the 200-day MA of 22.52, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 42.49 is Neutral, neither overbought nor oversold. The STOCH value of 34.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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$182.11M	5.55	44.03%	―	461.24%	82.98%
CXI	70 Outperform	C$126.83M	23.01	5.85%	―	-0.24%	-46.22%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%
CBIT	52 Neutral	C$59.94M	1.91	-18.10%	―	74.11%	―
BTCW	51 Neutral	C$21.55M	―		―	82.06%	65.45%
FRNT	51 Neutral	C$15.66M	―	-66.86%	―	13.48%	-43.47%

Currency Exchange International Corporate Events

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.

Currency Exchange International to Announce Q2 2025 Financial Results

Currency Exchange International announced it will release its second quarter 2025 financial results on June 11, 2025, followed by an earnings conference call on June 12, 2025. This announcement is significant as it provides stakeholders with insights into the company’s recent financial and operational performance, potentially impacting its market positioning and investor relations.

Currency Exchange International Corp. Begins Trading on OTCQX Market

Currency Exchange International Corp. has announced that its common shares will now trade on the OTCQX Best Market under the symbol CURN, upgrading from the Pink market. This move is part of the company’s strategy to expand its U.S. shareholder base and enhance investor engagement, providing greater transparency and exposure to a broader group of institutional and retail investors.

Currency Exchange International Enters Referral Agreement with Continental Currency Exchange

Currency Exchange International announced a referral agreement with Continental Currency Exchange, where Exchange Bank of Canada will refer its wholesale banknote customers to CCE. This strategic move is expected to benefit all stakeholders involved, as CXI focuses on its U.S. operations and discontinues Canadian operations. The agreement is part of CXI’s strategy to enhance its market positioning and ensure a smooth transition for its stakeholders.

Currency Exchange International Partners with Agility Forex Amid Strategic Shift

Currency Exchange International, Corp. announced a referral agreement with Agility Forex, where Exchange Bank of Canada will refer selected employees and corporate payment customers to Agility Forex. This partnership is expected to benefit all parties involved, as CXI focuses on its U.S. operations and discontinues its Canadian business. The agreement reflects CXI’s strategic shift and commitment to minimizing disruption for stakeholders during this transition.

Currency Exchange International Reports AGM Voting Results

Currency Exchange International announced the voting results from its Annual General Meeting, where a significant 65.12% of common shares were represented. All nominees listed in the management information circular were elected as directors, and Doane Grant Thornton LLP was appointed as the company’s auditors. This meeting reinforces the company’s governance structure and may influence its strategic direction, potentially impacting stakeholders by ensuring continuity and stability in its operations.