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 101 industry peers in the Financial Services industry. While IMXI has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IMXI. 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.
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
IMXI's Return On Assets of 11.11% is amongst the best of the industry. IMXI outperforms 93.07% of its industry peers.
The Return On Equity of IMXI (39.13%) is better than 94.06% of its industry peers.
IMXI's Return On Invested Capital of 22.16% is amongst the best of the industry. IMXI outperforms 94.06% 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 11.69%.
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
Looking at the Profit Margin, with a value of 8.35%, IMXI is in line with its industry, outperforming 48.51% of the companies in the same industry.
IMXI's Profit Margin has improved in the last couple of years.
IMXI has a Operating Margin (14.69%) 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 | 14.69% | ||
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI 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
The debt/assets ratio for IMXI is higher compared to a year ago.
2.2 Solvency
IMXI has an Altman-Z score of 3.65. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
IMXI has a Altman-Z score of 3.65. This is amongst the best in the industry. IMXI outperforms 88.12% 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.
Looking at the Debt to FCF ratio, with a value of 12.70, IMXI is in line with its industry, outperforming 50.49% 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Altman-Z | 3.65 |
ROIC/WACC2.82
WACC7.85%
2.3 Liquidity
A Current Ratio of 1.75 indicates that IMXI should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.75, IMXI is in the better half of the industry, outperforming 71.29% of the companies in the same industry.
A Quick Ratio of 1.75 indicates that IMXI should not have too much problems paying its short term obligations.
The Quick ratio of IMXI (1.75) is better than 73.27% 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.
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
IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.74% yearly.
The Revenue is expected to grow by 1.48% on average over the next years.
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
The Price/Earnings ratio is 5.32, which indicates a rather cheap valuation of IMXI.
Based on the Price/Earnings ratio, IMXI is valued cheaply inside the industry as 90.10% of the companies are valued more expensively.
IMXI is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.83, 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 88.12% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (21.85), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.32 | ||
| Fwd PE | 4.83 |
4.2 Price Multiples
IMXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IMXI is cheaper than 96.04% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as IMXI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.22 | ||
| EV/EBITDA | 3.05 |
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)0.2
EPS Next 2Y2.91%
EPS Next 3Y4.74%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11.06
-0.01 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.98%
Inst Owner Change-0.79%
Ins Owners4.48%
Ins Owner Change1.94%
Market Cap338.99M
Analysts72.86
Price Target20.4 (84.45%)
Short Float %4.84%
Short Ratio3.46
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)-7.41%
PT rev (3m)-22.48%
EPS NQ rev (1m)-9.65%
EPS NQ rev (3m)-18.47%
EPS NY rev (1m)-11%
EPS NY rev (3m)-20.1%
Revenue NQ rev (1m)-4.22%
Revenue NQ rev (3m)-5.75%
Revenue NY rev (1m)-3.26%
Revenue NY rev (3m)-5.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.32 | ||
| Fwd PE | 4.83 | ||
| P/S | 0.52 | ||
| P/FCF | 29.22 | ||
| P/OCF | 7.35 | ||
| P/B | 2.43 | ||
| P/tB | 5.85 | ||
| EV/EBITDA | 3.05 |
EPS(TTM)2.08
EY18.81%
EPS(NY)2.29
Fwd EY20.68%
FCF(TTM)0.38
FCFY3.42%
OCF(TTM)1.51
OCFY13.61%
SpS21.29
BVpS4.54
TBVpS1.89
PEG (NY)N/A
PEG (5Y)0.2
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 | 3.65 |
F-Score6
WACC7.85%
ROIC/WACC2.82
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 Year18.6%
EBIT Next 3Y12.79%
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%