INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
USA - NASDAQ:IMXI - US46005L1017 - Common Stock
14.975 USD
+0.01 (+0.1%)
We assign a fundamental rating of 6 out of 10 to IMXI. IMXI was compared to 98 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making IMXI a very profitable company, without any liquidiy or solvency issues. IMXI is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make IMXI suitable for value investing!
1. Profitability
1.1 Basic Checks
In the past year IMXI was profitable.
In the past year IMXI had a positive cash flow from operations.
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
IMXI has a better Return On Assets (9.93%) than 89.80% of its industry peers.
IMXI has a Return On Equity of 36.17%. This is amongst the best in the industry. IMXI outperforms 94.90% of its industry peers.
The Return On Invested Capital of IMXI (21.36%) is better than 94.90% 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 7.85%.
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
With a Profit Margin value of 8.01%, IMXI perfoms like the industry average, outperforming 47.96% of the companies in the same industry.
In the last couple of years the Profit Margin of IMXI has grown nicely.
IMXI's Operating Margin of 14.32% is in line compared to the rest of the industry. IMXI outperforms 55.10% of its industry peers.
IMXI's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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 3.60 indicates that IMXI is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.60, IMXI belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
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.
The Debt to FCF ratio of IMXI (1.97) is better than 75.51% 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.
IMXI has a Debt to Equity ratio (1.01) which is comparable to the rest of the 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 | 3.6 |
ROIC/WACC2.84
WACC7.51%
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.
Looking at the Current ratio, with a value of 1.63, IMXI is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
A Quick Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
The Quick ratio of IMXI (1.63) is better than 70.41% 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.
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.
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
The Earnings Per Share is expected to grow by 2.42% on average over the next years.
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-9.21%
EPS Next 2Y-0.56%
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
IMXI is valuated cheaply with a Price/Earnings ratio of 7.34.
Based on the Price/Earnings ratio, IMXI is valued cheaply inside the industry as 83.67% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.03. IMXI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.01, the valuation of IMXI can be described as very cheap.
IMXI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 74.49% of the companies in the same industry.
IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.34 | ||
| Fwd PE | 7.01 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IMXI indicates a rather cheap valuation: IMXI is cheaper than 96.94% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, IMXI is valued cheaply inside the industry as 88.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.09 | ||
| EV/EBITDA | 3.86 |
4.3 Compensation for Growth
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2Y-0.56%
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 (11/5/2025, 10:04:03 AM)
14.975
+0.01 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.21%
Inst Owner Change-2%
Ins Owners4.35%
Ins Owner Change1.45%
Market Cap444.46M
Revenue(TTM)642.15M
Net Income(TTM)51.46M
Analysts51.67
Price Target16.32 (8.98%)
Short Float %3.59%
Short Ratio2.27
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)0%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.34 | ||
| Fwd PE | 7.01 | ||
| P/S | 0.69 | ||
| P/FCF | 6.09 | ||
| P/OCF | 4.21 | ||
| P/B | 3.12 | ||
| P/tB | 7.39 | ||
| EV/EBITDA | 3.86 |
EPS(TTM)2.04
EY13.62%
EPS(NY)2.14
Fwd EY14.26%
FCF(TTM)2.46
FCFY16.43%
OCF(TTM)3.56
OCFY23.76%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.27
Graham Number14.83
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%
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-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 | 3.6 |
F-Score7
WACC7.51%
ROIC/WACC2.84
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-9.21%
EPS Next 2Y-0.56%
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 Year10.08%
EBIT Next 3Y6.3%
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%
INTERNATIONAL MONEY EXPRESS / IMXI FAQ
What is the fundamental rating for IMXI stock?
ChartMill assigns a fundamental rating of 6 / 10 to IMXI.
Can you provide the valuation status for INTERNATIONAL MONEY EXPRESS?
ChartMill assigns a valuation rating of 8 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Undervalued.
How profitable is INTERNATIONAL MONEY EXPRESS (IMXI) stock?
INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 7 / 10.
What is the financial health of INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 7 / 10.
What is the expected EPS growth for INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The Earnings per Share (EPS) of INTERNATIONAL MONEY EXPRESS (IMXI) is expected to decline by -9.21% in the next year.