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Currency Exchange International, Corp (CURN) Fair Value & Analysis

Financial Services · US · Market cap $115M

CE Currency Exchange International, Corp logo Currency Exchange International, Corp CURN · US
Price$20.70
Fair Value$19.82
Upside-4.3%
Quality95/100
Evidence: High Range $14.86 – $24.77

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 3 days ago

Fair value updated Jun 26, 2026 — revised from $29.31 to $19.82 (−32.4%) since Jun 24, 2026. Share price +21.8% over the past month.

Price vs Fair Value (12 months)

$20.70 $13.90 Fair Value $19.82 Jun 2025 Jun 2026

12‑month range $13.90 – $20.70 · fair‑value band $14.86 – $24.77 · the $20.70 price screens above the $19.82 fair value. As of Jun 26, 2026.

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Analysis

Currency Exchange International, Corp (CURN) currently trades at $20.70, while our model-based Fair Value estimate is $19.82 — implying the stock looks roughly 4.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Currency Exchange International, Corp generated revenue of $74.5M at a net margin of 6.5%. Revenue grew 13.4% year over year. It earns a return on equity of 16.6%. The balance sheet holds a net cash position of $90.5M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) $74.5M
Revenue growth (YoY) +13.4%
Net margin 6.5%
Return on equity 16.6%
Free cash flow $13.9M FY2025
P/E ratio 8.3
More key figures
Operating margin 26.7%
EPS (TTM) $2.32
EPS growth (YoY) +102%
Net cash $90.5M FY2024

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Currency Exchange International, Corp., together with its subsidiary, Exchange Bank of Canada, provides foreign exchange technology and processing services in Canada and the United States. The company offers financial institutions, international wire payments, foreign check clearing, foreign bank note exchange, and foreign draft issuance solutions; corporations, hedging and risk management, and international payment solutions; international traveler's, foreign currency exchange, gold bullion coins and bars, and affiliate e-commerce program solutions; and currency price protection and student currency reservation services. It serves individuals, banks, financial institutions, corporations, and money service businesses; commercial and retail markets; and the travel, technology, payroll, healthcare, and nonprofit sectors. Currency Exchange International, Corp. was incorporated in 1998 and is based in Orlando, Florida.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Currency Exchange International, Corp reported revenue of $72.4M in FY2025 versus $30.3M in FY2021, a compound +24.4%/yr. Reported net income was $10.3M in FY2025.

Revenue +24.4%/yr
FY21 $30.3M
FY22 $66.3M
FY23 $82.0M
FY24 $85.2M
FY25 $72.4M
Net income
FY21 −$1.1M
FY22 $11.8M
FY23 $10.2M
FY24 $2.5M
FY25 $10.3M

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Frequently asked questions

Is Currency Exchange International, Corp (CURN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.82 versus a price of $20.70 — about −4% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CURN?
Our 21-model fair value for Currency Exchange International, Corp is $19.82 (as of Jun 26, 2026), built from audited fundamentals. The current price is $20.70.
What is the quality score of CURN?
Currency Exchange International, Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Currency Exchange International, Corp (CURN)?
Currency Exchange International, Corp reported trailing-twelve-month revenue of about $74.5M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of CURN?
The net profit margin of Currency Exchange International, Corp is about 6.5%, meaning it keeps roughly 6.5% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.