CI Financial Corp. Fundamental Analysis
CI Financial Corp. (CIX.TO) shows weak financial fundamentals with a PE ratio of 34.38, profit margin of 7.44%, and ROE of 30.09%. The company generates $1.8B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CIX.TO's fundamental strength across five key dimensions:
Efficiency Score
WeakCIX.TO struggles to generate sufficient returns from assets.
Valuation Score
ModerateCIX.TO shows balanced valuation metrics.
Growth Score
WeakCIX.TO faces weak or negative growth trends.
Financial Health Score
WeakCIX.TO carries high financial risk with limited liquidity.
Profitability Score
ModerateCIX.TO maintains healthy but balanced margins.
Key Financial Metrics
Is CIX.TO Expensive or Cheap?
P/E Ratio
CIX.TO trades at 34.38 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, CIX.TO's PEG of -0.07 indicates potential undervaluation.
Price to Book
The market values CI Financial Corp. at 9.51 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 0.62 times EBITDA. This is generally considered low.
How Well Does CIX.TO Make Money?
Net Profit Margin
For every $100 in sales, CI Financial Corp. keeps $7.44 as profit after all expenses.
Operating Margin
Core operations generate 20.60 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $30.09 in profit for every $100 of shareholder equity.
ROA
CI Financial Corp. generates $1.21 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CI Financial Corp. produces operating cash flow of $246.82M, showing steady but balanced cash generation.
Free Cash Flow
CI Financial Corp. generates strong free cash flow of $227.21M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.58 in free cash annually.
FCF Yield
CIX.TO converts 4.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
34.38
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.07
vs 25 benchmark
P/B Ratio
Price to book value ratio
9.51
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.56
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
9.23
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.33
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.30
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How CIX.TO Stacks Against Its Sector Peers
| Metric | CIX.TO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 34.38 | 21.17 | Worse (Expensive) |
| ROE | 30.09% | 648.00% | Weak |
| Net Margin | 7.44% | -766.00% (disorted) | Weak |
| Debt/Equity | 9.23 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.33 | 891.36 | Weak Liquidity |
| ROA | 1.21% | 14251.00% | Weak |
CIX.TO outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CI Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical