INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
USA - NASDAQ:IMXI - US46005L1017 - Common Stock
14.2 USD
-0.06 (-0.42%)
14.2 USD
0 (0%)
Taking everything into account, IMXI scores 6 out of 10 in our fundamental rating. IMXI was compared to 101 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, IMXI could be worth investigating further for value investing!.
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 (9.93%) is better than 89.11% of its industry peers.
With an excellent Return On Equity value of 36.17%, IMXI belongs to the best of the industry, outperforming 95.05% of the companies in the same industry.
IMXI has a better Return On Invested Capital (21.36%) than 95.05% 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 7.65%.
The 3 year average ROIC (20.03%) for IMXI is below the current ROIC(21.36%), indicating increased profibility in the last year.
| 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
The Profit Margin of IMXI (8.01%) is comparable to the rest of the industry.
IMXI's Profit Margin has improved in the last couple of years.
IMXI has a Operating Margin (14.32%) which is in line with 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI is creating value.
Compared to 1 year ago, IMXI has less shares outstanding
IMXI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, IMXI has a worse debt to assets ratio.
2.2 Solvency
IMXI has an Altman-Z score of 3.56. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.56, IMXI belongs to the best of the industry, outperforming 85.15% of the companies in the same industry.
IMXI has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.
IMXI has a better Debt to FCF ratio (1.97) than 77.23% 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.
The Debt to Equity ratio of IMXI (1.01) is comparable to the rest of the industry.
Although IMXI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Altman-Z | 3.56 |
ROIC/WACC2.75
WACC7.76%
2.3 Liquidity
A Current Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
IMXI has a Current ratio of 1.63. This is in the better half of the industry: IMXI outperforms 69.31% of its industry peers.
A Quick Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.63, IMXI is doing good in the industry, outperforming 71.29% of the companies in the same industry.
| 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.
IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -3.60%.
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)-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-9.23%
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
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
Based on the Price/Earnings ratio of 6.96, 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 88.12% of the companies in the same industry.
IMXI is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.56 indicates a rather cheap valuation of IMXI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 79.21% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.64, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.96 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
97.03% 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 93.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.77 | ||
| EV/EBITDA | 3.65 |
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)0.26
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 |
14.2
-0.06 (-0.42%)
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 Cap421.46M
Analysts51.67
Price Target16.32 (14.93%)
Short Float %5.31%
Short Ratio2.02
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)18.52%
PT rev (3m)17.07%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)-0.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.96 | ||
| Fwd PE | 6.56 | ||
| P/S | 0.66 | ||
| P/FCF | 5.77 | ||
| P/OCF | 3.99 | ||
| P/B | 2.96 | ||
| P/tB | 7.01 | ||
| EV/EBITDA | 3.65 |
EPS(TTM)2.04
EY14.37%
EPS(NY)2.17
Fwd EY15.25%
FCF(TTM)2.46
FCFY17.33%
OCF(TTM)3.56
OCFY25.06%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.26
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 | 3.56 |
F-Score7
WACC7.76%
ROIC/WACC2.75
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%