INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
NASDAQ:IMXI - US46005L1017 - Common Stock
14.55 USD
-0.02 (-0.14%)
Taking everything into account, IMXI scores 6 out of 10 in our fundamental rating. IMXI was compared to 102 industry peers in the Financial Services industry. IMXI has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. IMXI may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make IMXI a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year IMXI was profitable.
IMXI had a positive operating cash flow in the past year.
In the past 5 years IMXI has always been profitable.
IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 9.93%, IMXI belongs to the top of the industry, outperforming 89.22% of the companies in the same industry.
IMXI has a better Return On Equity (36.17%) than 95.10% of its industry peers.
IMXI has a better Return On Invested Capital (21.36%) than 95.10% of its industry peers.
IMXI had an Average Return On Invested Capital over the past 3 years of 20.03%. This is significantly above the industry average of 7.59%.
The last Return On Invested Capital (21.36%) for IMXI is above the 3 year average (20.03%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.93% | ||
| ROE | 36.17% | ||
| ROIC | 21.36% |
ROA(3y)11.41%
ROA(5y)12.2%
ROE(3y)40.58%
ROE(5y)38.06%
ROIC(3y)20.03%
ROIC(5y)20.57%
1.3 Margins
Looking at the Profit Margin, with a value of 8.01%, IMXI is in line with its industry, outperforming 47.06% of the companies in the same industry.
IMXI's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 14.32%, IMXI perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.32% | ||
| PM (TTM) | 8.01% | ||
| GM | N/A |
OM growth 3Y0.47%
OM growth 5Y5.87%
PM growth 3Y-4.31%
PM growth 5Y7.81%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
IMXI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, IMXI has less shares outstanding
IMXI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IMXI is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.58 indicates that IMXI is not in any danger for bankruptcy at the moment.
IMXI has a Altman-Z score of 3.58. This is amongst the best in the industry. IMXI outperforms 84.31% of its industry peers.
The Debt to FCF ratio of IMXI is 1.97, which is an excellent value as it means it would take IMXI, only 1.97 years of fcf income to pay off all of its debts.
IMXI's Debt to FCF ratio of 1.97 is fine compared to the rest of the industry. IMXI outperforms 76.47% of its industry peers.
IMXI has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.01, IMXI perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for IMXI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Altman-Z | 3.58 |
ROIC/WACC2.76
WACC7.75%
2.3 Liquidity
IMXI has a Current Ratio of 1.63. This is a normal value and indicates that IMXI is financially healthy and should not expect problems in meeting its short term obligations.
IMXI's Current ratio of 1.63 is fine compared to the rest of the industry. IMXI outperforms 68.63% of its industry peers.
A Quick Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
IMXI's Quick ratio of 1.63 is fine compared to the rest of the industry. IMXI outperforms 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
The earnings per share for IMXI have decreased by -0.49% in the last year.
IMXI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.76% yearly.
The Revenue has decreased by -3.60% in the past year.
The Revenue has been growing by 15.56% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.49%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-7.27%
Revenue 1Y (TTM)-3.6%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-6.06%
3.2 Future
IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.42% yearly.
Based on estimates for the next years, IMXI will show a small growth in Revenue. The Revenue will grow by 0.46% on average per year.
EPS Next Y-9.23%
EPS Next 2Y0.13%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.13, the valuation of IMXI can be described as very cheap.
IMXI's Price/Earnings ratio is rather cheap when compared to the industry. IMXI is cheaper than 86.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (27.03), we can say IMXI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.72, the valuation of IMXI can be described as very cheap.
Based on the Price/Forward Earnings ratio, IMXI is valued cheaper than 82.35% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.13 | ||
| Fwd PE | 6.72 |
4.2 Price Multiples
96.08% of the companies in the same industry are more expensive than IMXI, based on the Enterprise Value to EBITDA ratio.
IMXI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IMXI is cheaper than 93.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.91 | ||
| EV/EBITDA | 3.75 |
4.3 Compensation for Growth
IMXI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2Y0.13%
EPS Next 3Y2.42%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:IMXI (9/5/2025, 10:34:37 AM)
14.55
-0.02 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.87%
Inst Owner Change-1.46%
Ins Owners4.31%
Ins Owner Change1.45%
Market Cap431.84M
Analysts72.31
Price Target16.32 (12.16%)
Short Float %4.44%
Short Ratio1.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.66%
Min EPS beat(2)-16.98%
Max EPS beat(2)-0.33%
EPS beat(4)1
Avg EPS beat(4)-5.27%
Min EPS beat(4)-16.98%
Max EPS beat(4)2.89%
EPS beat(8)4
Avg EPS beat(8)-1.83%
EPS beat(12)7
Avg EPS beat(12)0.3%
EPS beat(16)10
Avg EPS beat(16)1.54%
Revenue beat(2)0
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)-3.97%
Revenue beat(4)0
Avg Revenue beat(4)-3.77%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-2.65%
Revenue beat(8)0
Avg Revenue beat(8)-3.35%
Revenue beat(12)0
Avg Revenue beat(12)-3.06%
Revenue beat(16)2
Avg Revenue beat(16)-2.14%
PT rev (1m)6.67%
PT rev (3m)-20%
EPS NQ rev (1m)-1.21%
EPS NQ rev (3m)-15.75%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)-1.48%
Revenue NQ rev (3m)-6.25%
Revenue NY rev (1m)-1.18%
Revenue NY rev (3m)-1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.13 | ||
| Fwd PE | 6.72 | ||
| P/S | 0.67 | ||
| P/FCF | 5.91 | ||
| P/OCF | 4.09 | ||
| P/B | 3.04 | ||
| P/tB | 7.18 | ||
| EV/EBITDA | 3.75 |
EPS(TTM)2.04
EY14.02%
EPS(NY)2.17
Fwd EY14.89%
FCF(TTM)2.46
FCFY16.91%
OCF(TTM)3.56
OCFY24.45%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.93% | ||
| ROE | 36.17% | ||
| ROCE | 30.39% | ||
| ROIC | 21.36% | ||
| ROICexc | 50.57% | ||
| ROICexgc | 141.4% | ||
| OM | 14.32% | ||
| PM (TTM) | 8.01% | ||
| GM | N/A | ||
| FCFM | 11.37% |
ROA(3y)11.41%
ROA(5y)12.2%
ROE(3y)40.58%
ROE(5y)38.06%
ROIC(3y)20.03%
ROIC(5y)20.57%
ROICexc(3y)43.96%
ROICexc(5y)44.35%
ROICexgc(3y)95.79%
ROICexgc(5y)98.86%
ROCE(3y)28.49%
ROCE(5y)29.26%
ROICexcg growth 3Y-16.32%
ROICexcg growth 5YN/A
ROICexc growth 3Y-9.68%
ROICexc growth 5Y-2.6%
OM growth 3Y0.47%
OM growth 5Y5.87%
PM growth 3Y-4.31%
PM growth 5Y7.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Debt/EBITDA | 1.35 | ||
| Cap/Depr | 215.35% | ||
| Cap/Sales | 5.07% | ||
| Interest Coverage | 8.73 | ||
| Cash Conversion | 98.64% | ||
| Profit Quality | 141.91% | ||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z | 3.58 |
F-Score7
WACC7.75%
ROIC/WACC2.76
Cap/Depr(3y)181.12%
Cap/Depr(5y)138.87%
Cap/Sales(3y)3.56%
Cap/Sales(5y)2.84%
Profit Quality(3y)80.71%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.49%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-7.27%
EPS Next Y-9.23%
EPS Next 2Y0.13%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.6%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-6.06%
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
EBIT growth 1Y-5.62%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year8.74%
EBIT Next 3Y4.89%
EBIT Next 5YN/A
FCF growth 1Y13422.8%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y894.38%
OCF growth 3Y-12.08%
OCF growth 5Y0.21%