INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
NASDAQ:IMXI - Nasdaq - US46005L1017 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to IMXI. IMXI was compared to 100 industry peers in the Financial Services industry. IMXI scores excellent on profitability, but there are some minor concerns on its financial health. IMXI may be a bit undervalued, certainly considering the very reasonable score on growth 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.
IMXI had positive earnings in each of the past 5 years.
Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of IMXI (11.11%) is better than 93.00% of its industry peers.
IMXI's Return On Equity of 39.13% is amongst the best of the industry. IMXI outperforms 93.00% of its industry peers.
IMXI's Return On Invested Capital of 22.16% is amongst the best of the industry. IMXI outperforms 94.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for IMXI is significantly above the industry average of 11.84%.
The 3 year average ROIC (20.03%) for IMXI is below the current ROIC(22.16%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.11% | ||
| ROE | 39.13% | ||
| ROIC | 22.16% |
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
IMXI has a Profit Margin (8.35%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IMXI has grown nicely.
IMXI has a Operating Margin of 14.69%. This is comparable to the rest of the industry: IMXI outperforms 51.00% of its industry peers.
IMXI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.69% | ||
| PM (TTM) | 8.35% | ||
| 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.
Compared to 1 year ago, IMXI has less shares outstanding
The number of shares outstanding for IMXI has been reduced compared to 5 years ago.
IMXI has a worse debt/assets ratio than last year.
2.2 Solvency
IMXI has an Altman-Z score of 3.57. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
IMXI has a Altman-Z score of 3.57. This is amongst the best in the industry. IMXI outperforms 85.00% of its industry peers.
The Debt to FCF ratio of IMXI is 12.70, which is on the high side as it means it would take IMXI, 12.70 years of fcf income to pay off all of its debts.
IMXI's Debt to FCF ratio of 12.70 is in line compared to the rest of the industry. IMXI outperforms 50.00% of its industry peers.
IMXI has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.06, IMXI is in line with its industry, outperforming 43.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Altman-Z | 3.57 |
ROIC/WACC2.81
WACC7.89%
2.3 Liquidity
IMXI has a Current Ratio of 1.75. 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 1.75 is fine compared to the rest of the industry. IMXI outperforms 71.00% of its industry peers.
IMXI has a Quick Ratio of 1.75. 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 Quick ratio, with a value of 1.75, IMXI is in the better half of the industry, outperforming 73.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
IMXI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.00%.
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 -1.69%.
Measured over the past years, IMXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.56% on average per year.
EPS 1Y (TTM)4%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-18.6%
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-4.06%
3.2 Future
The Earnings Per Share is expected to grow by 4.19% on average over the next years.
The Revenue is expected to grow by 1.06% on average over the next years.
EPS Next Y-8.59%
EPS Next 2Y2.85%
EPS Next 3Y4.19%
EPS Next 5YN/A
Revenue Next Year-3.05%
Revenue Next 2Y-0.11%
Revenue Next 3Y1.06%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 4.69, the valuation of IMXI can be described as very cheap.
Based on the Price/Earnings ratio, IMXI is valued cheaper than 93.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.29. IMXI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 4.27, the valuation of IMXI can be described as very cheap.
Based on the Price/Forward Earnings ratio, IMXI is valued cheaply inside the industry as 94.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.06, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.69 | ||
| Fwd PE | 4.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 97.00% of the companies in the same industry.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.22 | ||
| EV/EBITDA | 2.6 |
4.3 Compensation for Growth
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y2.85%
EPS Next 3Y4.19%
5. Dividend
5.1 Amount
No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.76
+0.07 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.09%
Inst Owner Change0%
Ins Owners3.96%
Ins Owner Change4.12%
Market Cap292.60M
Analysts71.43
Price Target13.94 (42.83%)
Short Float %6.56%
Short Ratio5
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)-11.81%
Min EPS beat(2)-16.98%
Max EPS beat(2)-6.64%
EPS beat(4)1
Avg EPS beat(4)-6.41%
Min EPS beat(4)-16.98%
Max EPS beat(4)2.89%
EPS beat(8)4
Avg EPS beat(8)-2.49%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)11
Avg EPS beat(16)2.49%
Revenue beat(2)0
Avg Revenue beat(2)-4.22%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)-4.02%
Revenue beat(4)0
Avg Revenue beat(4)-3.73%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-2.65%
Revenue beat(8)0
Avg Revenue beat(8)-3.23%
Revenue beat(12)0
Avg Revenue beat(12)-2.8%
Revenue beat(16)3
Avg Revenue beat(16)-1.39%
PT rev (1m)-17.17%
PT rev (3m)-36.73%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-9.61%
EPS NY rev (1m)0.23%
EPS NY rev (3m)-10.15%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-4.24%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.69 | ||
| Fwd PE | 4.27 | ||
| P/S | 0.45 | ||
| P/FCF | 25.22 | ||
| P/OCF | 6.34 | ||
| P/B | 2.1 | ||
| P/tB | 5.05 | ||
| EV/EBITDA | 2.6 |
EPS(TTM)2.08
EY21.31%
EPS(NY)2.29
Fwd EY23.41%
FCF(TTM)0.39
FCFY3.96%
OCF(TTM)1.54
OCFY15.77%
SpS21.77
BVpS4.64
TBVpS1.93
PEG (NY)N/A
PEG (5Y)0.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.11% | ||
| ROE | 39.13% | ||
| ROCE | 31.52% | ||
| ROIC | 22.16% | ||
| ROICexc | 44.23% | ||
| ROICexgc | 94.78% | ||
| OM | 14.69% | ||
| PM (TTM) | 8.35% | ||
| GM | N/A | ||
| FCFM | 1.78% |
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-Score6
Asset Turnover1.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Debt/EBITDA | 1.34 | ||
| Cap/Depr | 245.84% | ||
| Cap/Sales | 5.29% | ||
| Interest Coverage | 9.15 | ||
| Cash Conversion | 41.97% | ||
| Profit Quality | 21.29% | ||
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 | ||
| Altman-Z | 3.57 |
F-Score6
WACC7.89%
ROIC/WACC2.81
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)4%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-18.6%
EPS Next Y-8.59%
EPS Next 2Y2.85%
EPS Next 3Y4.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-4.06%
Revenue Next Year-3.05%
Revenue Next 2Y-0.11%
Revenue Next 3Y1.06%
Revenue Next 5YN/A
EBIT growth 1Y-0.65%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year8.84%
EBIT Next 3Y6.26%
EBIT Next 5YN/A
FCF growth 1Y142.73%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y372.16%
OCF growth 3Y-12.08%
OCF growth 5Y0.21%