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Currency Exchange International (CXI) investor relations material

Currency Exchange International Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary11 Sep, 2025

Executive summary

  • Q3 2025 net income was $4.2 million, up 8% year-over-year, with $5.2 million from continuing operations and a $1 million loss from discontinued Canadian operations.

  • Revenue for Q3 2025 rose 7% to $21.3 million, driven by growth in payments and banknotes segments.

  • The discontinuance of Exchange Bank of Canada (EBC) is in its final phase, with all customer activity ceased by August 2025 and regulatory application pending in Q4 2025.

  • 282,400 shares were repurchased and cancelled year-to-date for $4.25 million under the NCIB.

  • Strategic focus is shifting to U.S. operations, with updated plans based on customer, agent, and shareholder feedback.

Financial highlights

  • Q3 2025 EBITDA was $8.1 million, up 4% year-over-year; adjusted EBITDA was $8.2 million, up 5%.

  • Q3 2025 adjusted net income was $4.1 million, down 10% year-over-year; adjusted diluted EPS was $0.66, down 4%.

  • Nine-month revenue from continuing operations reached $52.6 million, up 4%; reported net income was $7 million, up 33%.

  • Adjusted net income for the nine months was $7.5 million, up 2%; adjusted diluted EPS was $1.20.

  • Net working capital was $67.6 million and total equity $83.8 million as of July 31, 2025.

Outlook and guidance

  • Fiscal 2026 will focus on revenue growth and efficiency, leveraging automation and simplification.

  • No formal earnings guidance provided; referral agreements from EBC discontinuance expected to generate some fee income, but not material.

  • Software-as-a-service (SaaS) fee income expected to become more noticeable in 2026.

  • Management expects certain operating and personnel costs, previously shared with EBC, to be fully borne by continuing operations, estimated at $3 million after tax annually.

  • The application to discontinue EBC is expected in Q4 2025, pending regulatory approval.

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Frequently asked questions

Currency Exchange International Corp. is a Canada-based company specializing in foreign currency exchange and related financial services. The company provides currency exchange, international payments, and foreign check clearing services to businesses and financial institutions. CXI serves retail and corporate clients, offering solutions such as wholesale banknote exchange and integrated software for currency management. The company is headquartered in Toronto, Canada, and its shares are listed on the Toronto Stock Exchange (TSX).

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