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INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis

NASDAQ:IMXI - Nasdaq - US46005L1017 - Common Stock - Currency: USD

14.92  +5.64 (+60.78%)

Fundamental Rating

5

Overall IMXI gets a fundamental rating of 5 out of 10. We evaluated IMXI against 101 industry peers in the Financial Services industry. While IMXI has a great profitability rating, 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!.


Dividend Valuation Growth Profitability Health

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7

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.
IMXI had positive earnings in each of the past 5 years.
IMXI had a positive operating cash flow in 4 of the past 5 years.
IMXI Yearly Net Income VS EBIT VS OCF VS FCFIMXI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 11.11%, IMXI belongs to the top of the industry, outperforming 92.08% of the companies in the same industry.
With an excellent Return On Equity value of 39.13%, IMXI belongs to the best of the industry, outperforming 93.07% of the companies in the same industry.
IMXI's Return On Invested Capital of 22.16% is amongst the best of the industry. IMXI outperforms 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 7.82%.
The 3 year average ROIC (20.03%) for IMXI is below the current ROIC(22.16%), indicating increased profibility in the last year.
Industry RankSector 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%
IMXI Yearly ROA, ROE, ROICIMXI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

1.3 Margins

The Profit Margin of IMXI (8.35%) 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 (14.69%) which is comparable to the rest of the industry.
IMXI's Operating Margin has improved in the last couple of years.
Industry RankSector 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
IMXI Yearly Profit, Operating, Gross MarginsIMXI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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5

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.
IMXI has less shares outstanding than it did 1 year ago.
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.
IMXI Yearly Shares OutstandingIMXI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
IMXI Yearly Total Debt VS Total AssetsIMXI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

An Altman-Z score of 3.55 indicates that IMXI is not in any danger for bankruptcy at the moment.
The Altman-Z score of IMXI (3.55) is better than 85.15% of its industry peers.
IMXI has a debt to FCF ratio of 12.70. This is a negative value and a sign of low solvency as IMXI would need 12.70 years to pay back of all of its debts.
IMXI has a Debt to FCF ratio (12.70) which is in line with its industry peers.
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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.06
Debt/FCF 12.7
Altman-Z 3.55
ROIC/WACC2.86
WACC7.75%
IMXI Yearly LT Debt VS Equity VS FCFIMXI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

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.
The Current ratio of IMXI (1.75) is better than 68.32% 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 72.28% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.75
Quick Ratio 1.75
IMXI Yearly Current Assets VS Current LiabilitesIMXI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.00% over the past 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 -1.69% in the past year.
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)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 4.19% yearly.
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.
IMXI Yearly Revenue VS EstimatesIMXI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
IMXI Yearly EPS VS EstimatesIMXI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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7

4. Valuation

4.1 Price/Earnings Ratio

IMXI is valuated cheaply with a Price/Earnings ratio of 7.17.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a rather cheap valuation: IMXI is cheaper than 96.04% of the companies listed in the same industry.
IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 6.53, the valuation of IMXI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a rather cheap valuation: IMXI is cheaper than 94.06% of the companies listed in the same industry.
IMXI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.09.
Industry RankSector Rank
PE 7.17
Fwd PE 6.53
IMXI Price Earnings VS Forward Price EarningsIMXI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 97.03% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as IMXI.
Industry RankSector Rank
P/FCF 38.56
EV/EBITDA 2.49
IMXI Per share dataIMXI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 2Y2.85%
EPS Next 3Y4.19%

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0

5. Dividend

5.1 Amount

IMXI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (8/11/2025, 3:44:06 PM)

14.92

+5.64 (+60.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-11 2025-08-11/amc
Inst Owners91.87%
Inst Owner Change-4.9%
Ins Owners4.31%
Ins Owner Change4.11%
Market Cap447.30M
Analysts72.31
Price Target13.77 (-7.71%)
Short Float %6.57%
Short Ratio5.73
Dividend
Industry RankSector 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)-1.22%
PT rev (3m)-32.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.97%
Valuation
Industry RankSector Rank
PE 7.17
Fwd PE 6.53
P/S 0.69
P/FCF 38.56
P/OCF 9.7
P/B 3.21
P/tB 7.71
EV/EBITDA 2.49
EPS(TTM)2.08
EY13.94%
EPS(NY)2.29
Fwd EY15.32%
FCF(TTM)0.39
FCFY2.59%
OCF(TTM)1.54
OCFY10.31%
SpS21.77
BVpS4.64
TBVpS1.93
PEG (NY)N/A
PEG (5Y)0.27
Profitability
Industry RankSector 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 RankSector 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 3.55
F-Score6
WACC7.75%
ROIC/WACC2.86
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 Year8.74%
EBIT Next 3Y4.89%
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%