INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
NASDAQ:IMXI - Nasdaq - US46005L1017 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to IMXI. IMXI was compared to 99 industry peers in the Financial Services industry. While IMXI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. IMXI is valued quite cheap, while showing a decent growth score. This is a good combination! 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.
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 Return On Assets of 11.11%. This is amongst the best in the industry. IMXI outperforms 92.93% of its industry peers.
With an excellent Return On Equity value of 39.13%, IMXI belongs to the best of the industry, outperforming 92.93% of the companies in the same industry.
IMXI has a Return On Invested Capital of 22.16%. This is amongst the best in the industry. IMXI outperforms 93.94% 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 11.83%.
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 (14.69%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| 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
IMXI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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 3.60 indicates that IMXI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.60, IMXI belongs to the top of the industry, outperforming 86.87% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 12.70, IMXI is in line with its industry, outperforming 49.49% of the companies in the same industry.
A Debt/Equity ratio of 1.06 is on the high side and indicates that IMXI has dependencies on debt financing.
IMXI has a Debt to Equity ratio (1.06) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Altman-Z | 3.6 |
ROIC/WACC3.02
WACC7.33%
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.
With a decent Current ratio value of 1.75, IMXI is doing good in the industry, outperforming 71.72% of the companies in the same industry.
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.
IMXI has a Quick ratio of 1.75. This is in the better half of the industry: IMXI outperforms 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.00% over the past year.
IMXI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.76% yearly.
Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -1.69% in the last year.
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
IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.74% yearly.
IMXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.48% yearly.
EPS Next Y-8.8%
EPS Next 2Y2.91%
EPS Next 3Y4.74%
EPS Next 5YN/A
Revenue Next Year-3.03%
Revenue Next 2Y-0.05%
Revenue Next 3Y1.48%
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
Based on the Price/Earnings ratio of 4.94, the valuation of IMXI can be described as very cheap.
Based on the Price/Earnings ratio, IMXI is valued cheaper than 91.92% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.32. IMXI is valued rather cheaply when compared to this.
IMXI is valuated cheaply with a Price/Forward Earnings ratio of 4.49.
89.90% of the companies in the same industry are more expensive than IMXI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (22.13), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.94 | ||
| Fwd PE | 4.49 |
4.2 Price Multiples
IMXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IMXI is cheaper than 96.97% of the companies in the same industry.
IMXI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.57 | ||
| EV/EBITDA | 2.76 |
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)0.18
EPS Next 2Y2.91%
EPS Next 3Y4.74%
5. Dividend
5.1 Amount
No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.28
-0.62 (-5.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.09%
Inst Owner Change-1.21%
Ins Owners3.96%
Ins Owner Change1.94%
Market Cap308.19M
Analysts71.43
Price Target16.83 (63.72%)
Short Float %5.47%
Short Ratio4.16
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)-17.5%
PT rev (3m)-30.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.94 | ||
| Fwd PE | 4.49 | ||
| P/S | 0.47 | ||
| P/FCF | 26.57 | ||
| P/OCF | 6.68 | ||
| P/B | 2.21 | ||
| P/tB | 5.31 | ||
| EV/EBITDA | 2.76 |
EPS(TTM)2.08
EY20.23%
EPS(NY)2.29
Fwd EY22.25%
FCF(TTM)0.39
FCFY3.76%
OCF(TTM)1.54
OCFY14.97%
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 | 3.6 |
F-Score6
WACC7.33%
ROIC/WACC3.02
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-8.8%
EPS Next 2Y2.91%
EPS Next 3Y4.74%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-4.06%
Revenue Next Year-3.03%
Revenue Next 2Y-0.05%
Revenue Next 3Y1.48%
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%