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The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
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
Achieved 5% revenue growth year-over-year, reaching $72.4 million, with net income of $10.3 million, 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%, reflecting strong organic growth and expanded customer outreach.
Ceased operations of Canadian subsidiary EBC, classified as discontinued in Q2 2025, with plans to liquidate and distribute net assets to the parent.
Financial highlights
Reported EBITDA rose 7% to $23.3 million; adjusted EBITDA up 10% to $24.0 million year-over-year.
Adjusted net income increased 6% to $10.8 million; adjusted diluted EPS up 13% to $1.77.
Q4 revenue grew 8% to $19.9 million; Q4 adjusted net income up 19% to $3.3 million.
Maintained strong capital position with $84.7 million in equity and $73.4 million in net working capital as of October 31, 2025.
Outlook and guidance
Management remains focused on expanding payments and cash businesses, pursuing targeted growth, and disciplined expense management.
Anticipates absorbing $3 million 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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