Currency Exchange International (TSX:CXI) Effective Interest Rate on Debt %: 7.52% (As of Apr. 2026)

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TSX:CXI Currency Exchange International Corp TSX:CXI
77 GF Score
Price C$30.00
GF Value C$25.82
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Currency Exchange International Effective Interest Rate on Debt %?

Currency Exchange International TSX:CXI +1.83% 77 Effective Interest Rate on Debt % is 7.52% as of Apr. 2026. GuruFocus rates TSX:CXI with a GF Score™ of 77/100 and a GF Value™ of C$25.82 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Currency Exchange International's annualized positive value of Interest Expense for the quarter that ended in Apr. 2026 was C$0.6 Mil. Currency Exchange International's average total debt for the quarter that ended in Apr. 2026 was C$8.4 Mil. Therefore, Currency Exchange International's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 was 7.52%.


Currency Exchange International  (TSX:CXI) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Currency Exchange International Effective Interest Rate on Debt % Related Terms


Currency Exchange International Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Currency Exchange International's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Currency Exchange International Effective Interest Rate on Debt % Chart

Currency Exchange International Annual Data
Trend Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.91 15.10 9.03 3.99 9.93

Currency Exchange International Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.13 9.01 9.48 7.60 7.52

TSX:CXI vs BMHL, WTF, NAKA: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Currency Exchange International's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Currency Exchange International Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Currency Exchange International's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Currency Exchange International's Effective Interest Rate on Debt % falls into.


TSX:CXI
77GF Score
Currency Exchange International Corp TSX:CXI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Currency Exchange International Effective Interest Rate on Debt % Calculation

Currency Exchange International's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Oct. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Oct. 2024 )+Total Debt  (A: Oct. 2025 ))/ count )
=-1  *  -0.802/( (7.915+8.244)/ 2 )
=-1  *  -0.802/8.0795
=9.93 %

where

Total Debt  (A: Oct. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.336 + 1.579
=7.915

Total Debt  (A: Oct. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.041 + 2.203
=8.244

Currency Exchange International's annualized Effective Interest Rate on Debt % for the quarter that ended in Apr. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jan. 2026 )+Total Debt  (Q: Apr. 2026 ))/ count )
=-1  *  -0.632/( (8.274+8.527)/ 2 )
=-1  *  -0.632/8.4005
=7.52 %

where

Total Debt  (Q: Jan. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.342 + 1.932
=8.274

Total Debt  (Q: Apr. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.698 + 1.829
=8.527

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Apr. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 7.52% mean?
Currency Exchange International (TSX:CXI) has a Effective Interest Rate on Debt % of 7.52% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Currency Exchange International and its competitors.
Is Currency Exchange International's Effective Interest Rate on Debt % too high?
Currency Exchange International's current Effective Interest Rate on Debt % is 7.52%. Overall, Currency Exchange International has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Currency Exchange International's Effective Interest Rate on Debt % compare to BMHL and WTF?
Currency Exchange International's Effective Interest Rate on Debt % of 7.52% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Currency Exchange International and its competitors. Currency Exchange International's current Effective Interest Rate on Debt % is 7.52%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Currency Exchange International stock overvalued right now?
Based on GuruFocus' analysis, Currency Exchange International (TSX:CXI) is currently considered Modestly Overvalued. The stock's GF Value™ is C$25.82, compared to a current price of C$30.00 — trading 16.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.52%. Currency Exchange International's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Currency Exchange International (TSX:CXI), the current Effective Interest Rate on Debt % is 7.52% as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Currency Exchange International (TSX:CXI) Overvalued in 2026?

Based on GuruFocus' analysis, Currency Exchange International stock appears to be overvalued. The current stock price of C$30.00 is trading 16.2% above its estimated GF Value™ of C$25.82. GuruFocus considers Currency Exchange International to be Modestly Overvalued.

Key valuation signals for TSX:CXI:

  • Effective Interest Rate on Debt %: 7.52%
  • GF Value™: C$25.82 vs. price of C$30.00 (16.2% above fair value)
  • GF Score™: 77/100 with 4 warning signs

No single metric tells the full story. See the TSX:CXI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Currency Exchange International Business Description

Other Exchanges CURN:USA
Address 6649 Westwood Boulevard, Suite 250, Orlando, FL, USA, 32821
Currency Exchange International Corp operates as a money services and payments business, providing currency exchange, wire transfer, and cheque-cashing services at its locations in the United States. The Company has determined that it has three operating segments within its continuing operations: CXI Wholesale Banknotes, CXI Payments, and CXI Direct-to-Consumer. The Company earns maximum revenue from wholesale banknotes.
77GF Score

Get the complete analysis for TSX:CXI

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$30.00
Price
C$25.82
GF Value