INTERNATIONAL MONEY EXPRESS (IMXI)
US46005L1017 - Common Stock
We assign a fundamental rating of 6 out of 10 to IMXI. IMXI was compared to 102 industry peers in the Financial Services industry. While IMXI has a great health rating, its profitability is only average at the moment. A decent growth rate in combination with a cheap valuation! Better keep an eye on IMXI. With these ratings, IMXI could be worth investigating further 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.
Each year in the past 5 years IMXI has been profitable.
Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
IMXI has a better Return On Assets (10.32%) than 90.20% of its industry peers.
The Return On Equity of IMXI (39.92%) is better than 96.08% of its industry peers.
Looking at the Return On Invested Capital, with a value of 19.59%, IMXI belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
IMXI had an Average Return On Invested Capital over the past 3 years of 20.19%. This is significantly above the industry average of 7.93%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.32% | ||
| ROE | 39.92% | ||
| ROIC | 19.59% |
ROA(3y)11.75%
ROA(5y)11.38%
ROE(3y)36.96%
ROE(5y)36.35%
ROIC(3y)20.19%
ROIC(5y)20.12%
1.3 Margins
IMXI has a Profit Margin of 9.03%. This is comparable to the rest of the industry: IMXI outperforms 52.94% of its industry peers.
IMXI's Profit Margin has declined in the last couple of years.
IMXI has a Operating Margin (14.57%) which is in line with its industry peers.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.57% | ||
| PM (TTM) | 9.03% | ||
| GM | N/A |
OM growth 3Y-0.63%
OM growth 5Y11.21%
PM growth 3Y-1.53%
PM growth 5YN/A
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.
The number of shares outstanding for IMXI has been reduced compared to 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 3.61 indicates that IMXI is not in any danger for bankruptcy at the moment.
IMXI's Altman-Z score of 3.61 is amongst the best of the industry. IMXI outperforms 86.27% of its industry peers.
IMXI has a debt to FCF ratio of 1.44. This is a very positive value and a sign of high solvency as it would only need 1.44 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.44, IMXI is doing good in the industry, outperforming 77.45% of the companies in the same industry.
A Debt/Equity ratio of 1.21 is on the high side and indicates that IMXI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.21, IMXI is doing worse than 61.76% 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 | 1.21 | ||
| Debt/FCF | 1.44 | ||
| Altman-Z | 3.61 |
ROIC/WACC2.37
WACC8.28%
2.3 Liquidity
A Current Ratio of 1.94 indicates that IMXI should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.94, IMXI is doing good in the industry, outperforming 76.47% of the companies in the same industry.
IMXI has a Quick Ratio of 1.94. 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 Quick ratio of 1.94 is fine compared to the rest of the industry. IMXI outperforms 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.94 | ||
| Quick Ratio | 1.94 |
3. Growth
3.1 Past
IMXI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.73%.
IMXI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.88% yearly.
Looking at the last year, IMXI shows a very strong growth in Revenue. The Revenue has grown by 20.48%.
Measured over the past years, IMXI shows a quite strong growth in Revenue. The Revenue has been growing by 19.19% on average per year.
EPS 1Y (TTM)7.73%
EPS 3Y29.88%
EPS 5YN/A
EPS growth Q2Q21.74%
Revenue 1Y (TTM)20.48%
Revenue growth 3Y22.63%
Revenue growth 5Y19.19%
Revenue growth Q2Q11.26%
3.2 Future
IMXI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.21% yearly.
IMXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.55% yearly.
EPS Next Y14.76%
EPS Next 2Y16.95%
EPS Next 3Y16.21%
EPS Next 5YN/A
Revenue Next Year4.26%
Revenue Next 2Y6.45%
Revenue Next 3Y5.55%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 10.95.
74.51% of the companies in the same industry are more expensive than IMXI, based on the Price/Earnings ratio.
IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.92.
A Price/Forward Earnings ratio of 9.54 indicates a reasonable valuation of IMXI.
Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than the industry average as 73.53% of the companies are valued more expensively.
IMXI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.49.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 9.54 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 88.24% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IMXI is valued cheaper than 90.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.51 | ||
| EV/EBITDA | 6.1 |
4.3 Compensation for Growth
IMXI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of IMXI may justify a higher PE ratio.
IMXI's earnings are expected to grow with 16.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y16.95%
EPS Next 3Y16.21%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
INTERNATIONAL MONEY EXPRESS
NASDAQ:IMXI (4/26/2024, 7:00:02 PM)
After market: 21.36 0 (0%)21.36
+0.17 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap720.47M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Surprises & Revisions
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 9.54 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
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SpS
BVpS
TBVpS
PEG (NY)0.74
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.32% | ||
| ROE | 39.92% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.57% | ||
| PM (TTM) | 9.03% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.94 | ||
| Quick Ratio | 1.94 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)7.73%
EPS 3Y29.88%
EPS 5Y
EPS growth Q2Q
EPS Next Y14.76%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)20.48%
Revenue growth 3Y22.63%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
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EBIT Next 5Y
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