15.5 USD
0 (0%)
15.5 USD
0 (0%)
Overall IMXI gets a fundamental rating of 5 out of 10. We evaluated IMXI against 98 industry peers in the Financial Services industry. IMXI has an excellent profitability rating, but there are some minor concerns on its financial health. IMXI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- IMXI had positive earnings in the past year.
- In the past year IMXI had a positive cash flow from operations.
- Each year in the past 5 years IMXI has been profitable.
- IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of IMXI (8.17%) is better than 84.69% of its industry peers.
- IMXI has a Return On Equity of 26.14%. This is amongst the best in the industry. IMXI outperforms 92.86% of its industry peers.
- The Return On Invested Capital of IMXI (17.29%) is better than 92.86% 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 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.17% | ||
| ROE | 26.14% | ||
| ROIC | 17.29% |
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
- The Profit Margin of IMXI (6.26%) is comparable to the rest of the industry.
- IMXI's Profit Margin has improved in the last couple of years.
- The Operating Margin of IMXI (12.79%) is comparable to the rest of the industry.
- IMXI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.79% | ||
| PM (TTM) | 6.26% | ||
| 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
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI is creating value.
- IMXI has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, IMXI has less shares outstanding
- Compared to 1 year ago, IMXI has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 3.91 indicates that IMXI is not in any danger for bankruptcy at the moment.
- IMXI has a better Altman-Z score (3.91) than 86.73% of its industry peers.
- The Debt to FCF ratio of IMXI is 11.59, which is on the high side as it means it would take IMXI, 11.59 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of IMXI (11.59) is comparable to the rest of the industry.
- IMXI has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.06, IMXI perfoms like the industry average, outperforming 43.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.91 |
ROIC/WACC2.17
WACC7.97%
2.3 Liquidity
- IMXI has a Current Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
- With a decent Current ratio value of 2.03, IMXI is doing good in the industry, outperforming 74.49% of the companies in the same industry.
- IMXI has a Quick Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
- IMXI has a Quick ratio of 2.03. This is in the better half of the industry: IMXI outperforms 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 |
3. Growth
3.1 Past
- IMXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.81%.
- Measured over the past years, IMXI shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.76% on average per year.
- IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -6.09%.
- IMXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.56% yearly.
EPS 1Y (TTM)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
3.2 Future
- IMXI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.20% yearly.
- The Revenue is expected to decrease by -1.03% on average over the next years.
EPS Next Y-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
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
- IMXI is valuated reasonably with a Price/Earnings ratio of 8.56.
- IMXI's Price/Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 71.43% of the companies in the same industry.
- IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.33.
- With a Price/Forward Earnings ratio of 7.97, the valuation of IMXI can be described as very cheap.
- Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than 68.37% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. IMXI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 93.88% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of IMXI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.8 | ||
| EV/EBITDA | 4.86 |
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)0.32
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
- No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
15.5
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners90.57%
Inst Owner Change1.26%
Ins Owners5.6%
Ins Owner Change0.03%
Market Cap460.66M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (5.29%)
Short Float %3.9%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-15.32%
Min EPS beat(2)-30.31%
Max EPS beat(2)-0.33%
EPS beat(4)0
Avg EPS beat(4)-13.57%
Min EPS beat(4)-30.31%
Max EPS beat(4)-0.33%
EPS beat(8)3
Avg EPS beat(8)-5.77%
EPS beat(12)6
Avg EPS beat(12)-3.64%
EPS beat(16)10
Avg EPS beat(16)0.1%
Revenue beat(2)0
Avg Revenue beat(2)-6.03%
Min Revenue beat(2)-8.09%
Max Revenue beat(2)-3.97%
Revenue beat(4)0
Avg Revenue beat(4)-5.13%
Min Revenue beat(4)-8.09%
Max Revenue beat(4)-3.97%
Revenue beat(8)0
Avg Revenue beat(8)-4.28%
Revenue beat(12)0
Avg Revenue beat(12)-3.38%
Revenue beat(16)1
Avg Revenue beat(16)-2.73%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 7.97 | ||
| P/S | 0.74 | ||
| P/FCF | 33.8 | ||
| P/OCF | 9.67 | ||
| P/B | 3.08 | ||
| P/tB | 6.78 | ||
| EV/EBITDA | 4.86 |
EPS(TTM)1.81
EY11.68%
EPS(NY)1.94
Fwd EY12.54%
FCF(TTM)0.46
FCFY2.96%
OCF(TTM)1.6
OCFY10.34%
SpS21.03
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.32
Graham Number14.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.17% | ||
| ROE | 26.14% | ||
| ROCE | 24.59% | ||
| ROIC | 17.29% | ||
| ROICexc | 32.38% | ||
| ROICexgc | 61.19% | ||
| OM | 12.79% | ||
| PM (TTM) | 6.26% | ||
| GM | N/A | ||
| FCFM | 2.18% |
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%
ROICexgc growth 3Y-16.32%
ROICexgc 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-Score5
Asset Turnover1.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Debt/EBITDA | 1.64 | ||
| Cap/Depr | 210.43% | ||
| Cap/Sales | 5.44% | ||
| Interest Coverage | 7.62 | ||
| Cash Conversion | 49.55% | ||
| Profit Quality | 34.83% | ||
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 | ||
| Altman-Z | 3.91 |
F-Score5
WACC7.97%
ROIC/WACC2.17
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)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
EPS Next Y-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
Revenue Next 5YN/A
EBIT growth 1Y-20.79%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year7.36%
EBIT Next 3Y4.34%
EBIT Next 5YN/A
FCF growth 1Y-85.91%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y-55.68%
OCF growth 3Y-12.08%
OCF growth 5Y0.21%
INTERNATIONAL MONEY EXPRESS / IMXI FAQ
What is the fundamental rating for IMXI stock?
ChartMill assigns a fundamental rating of 5 / 10 to IMXI.
What is the valuation status of INTERNATIONAL MONEY EXPRESS (IMXI) stock?
ChartMill assigns a valuation rating of 6 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Fairly Valued.
How profitable is INTERNATIONAL MONEY EXPRESS (IMXI) stock?
INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 7 / 10.
Can you provide the financial health for IMXI stock?
The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 6 / 10.
Is the dividend of INTERNATIONAL MONEY EXPRESS sustainable?
The dividend rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 0 / 10 and the dividend payout ratio is 0%.