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Currency Exchange International
Currency Exchange International (CXI) investor relations material
Currency Exchange International Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Discontinued operations of Exchange Bank of Canada (EBC) completed, with final regulatory approval and asset liquidation expected in Q2 2026.
Focus shifted entirely to U.S. operations, emphasizing growth in banknotes and payments segments.
Achieved 5% revenue growth year-over-year, reaching $72.5M, with net income of $10.3M, up 317% from the prior year due to lower non-recurring charges and discontinued operations adjustments.
Payments revenue grew 19% and Banknotes revenue increased 3–4%, reflecting strong organic growth and expanded customer outreach.
Financial highlights
Net income for FY2025 was $10.3M, up 317% year-over-year; revenue grew 5% to $72.5M.
Adjusted net income from continuing operations rose 10% to $14.5M; adjusted group net income up 6% to $10.8M.
Adjusted diluted EPS increased 14% to $1.77.
Q4 revenue grew 8% to $19.9M; Q4 adjusted net income up 19% to $3.3M.
Reported EBITDA for the year was $23.3M (+7%); adjusted EBITDA $24M (+10%).
Outlook and guidance
Management expects continued growth in payments and direct-to-consumer banknotes, with a full exit from Canada and focus on U.S. expansion.
Payments business pipeline remains strong, with sustainable or increasing growth rates anticipated.
Ongoing investments in technology, marketing, and agent expansion to drive future growth.
Anticipates absorbing $3M in annualized costs post-EBC exit, with ongoing expense streamlining into 2026.
EBC exit: Current cost absorption rate
Payments growth: Future integration strategy
Capital allocation: Future plans for excess cash
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Next Currency Exchange International earnings date
Q1 202612 Mar, 2026
Currency Exchange International
Next Currency Exchange International earnings date
Q1 202612 Mar, 2026
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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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