15.24 USD
+0.08 (+0.53%)
15.24 USD
0 (0%)
Taking everything into account, IMXI scores 5 out of 10 in our fundamental rating. IMXI was compared to 98 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 has a decent growth rate and is not valued too expensively.
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.
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's Return On Assets of 8.17% is amongst the best of the industry. IMXI outperforms 85.71% of its industry peers.
IMXI has a better Return On Equity (26.14%) than 92.86% of its industry peers.
IMXI has a Return On Invested Capital of 17.29%. This is amongst the best in the industry. IMXI outperforms 92.86% 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 8.20%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.17% | ||
| ROE | 26.14% | ||
| ROIC | 17.29% |
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
With a Profit Margin value of 6.26%, IMXI perfoms like the industry average, outperforming 43.88% of the companies in the same industry.
IMXI's Profit Margin has improved in the last couple of years.
IMXI has a Operating Margin of 12.79%. This is comparable to the rest of the industry: IMXI outperforms 45.92% of its industry peers.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.79% | ||
| PM (TTM) | 6.26% | ||
| 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.
The number of shares outstanding for IMXI has been reduced compared to 1 year ago.
IMXI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IMXI is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.90 indicates that IMXI is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.90, IMXI belongs to the best of the industry, outperforming 84.69% of the companies in the same industry.
IMXI has a debt to FCF ratio of 11.59. This is a negative value and a sign of low solvency as IMXI would need 11.59 years to pay back of all of its debts.
IMXI has a Debt to FCF ratio (11.59) which is in line with 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 43.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.9 |
ROIC/WACC2.32
WACC7.44%
2.3 Liquidity
IMXI has a Current Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 2.03, IMXI is doing good in the industry, outperforming 74.49% of the companies in the same industry.
IMXI has a Quick Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
IMXI's Quick ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 |
3. Growth
3.1 Past
The earnings per share for IMXI have decreased strongly by -15.81% in the last year.
The Earnings Per Share has been growing by 26.76% on average over the past years. This is a very strong growth
IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -6.09%.
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)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
3.2 Future
The Earnings Per Share is expected to grow by 2.42% on average over the next years.
IMXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.46% yearly.
EPS Next Y-9.21%
EPS Next 2Y-0.56%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.42 indicates a reasonable valuation of IMXI.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 76.53% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, IMXI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.14, the valuation of IMXI can be described as very cheap.
IMXI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 73.47% of the companies in the same industry.
IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 7.14 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 91.84% 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 | 33.19 | ||
| EV/EBITDA | 4.75 |
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)0.31
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.24
+0.08 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.21%
Inst Owner Change10.58%
Ins Owners4.35%
Ins Owner Change1.45%
Market Cap452.93M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (7.09%)
Short Float %2.34%
Short Ratio1.79
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)-15.32%
Min EPS beat(2)-30.31%
Max EPS beat(2)-0.33%
EPS beat(4)0
Avg EPS beat(4)-13.57%
Min EPS beat(4)-30.31%
Max EPS beat(4)-0.33%
EPS beat(8)3
Avg EPS beat(8)-5.77%
EPS beat(12)6
Avg EPS beat(12)-3.64%
EPS beat(16)10
Avg EPS beat(16)0.1%
Revenue beat(2)0
Avg Revenue beat(2)-6.03%
Min Revenue beat(2)-8.09%
Max Revenue beat(2)-3.97%
Revenue beat(4)0
Avg Revenue beat(4)-5.13%
Min Revenue beat(4)-8.09%
Max Revenue beat(4)-3.97%
Revenue beat(8)0
Avg Revenue beat(8)-4.28%
Revenue beat(12)0
Avg Revenue beat(12)-3.38%
Revenue beat(16)1
Avg Revenue beat(16)-2.73%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 7.14 | ||
| P/S | 0.72 | ||
| P/FCF | 33.19 | ||
| P/OCF | 9.5 | ||
| P/B | 3.02 | ||
| P/tB | 6.66 | ||
| EV/EBITDA | 4.75 |
EPS(TTM)1.81
EY11.88%
EPS(NY)2.14
Fwd EY14.01%
FCF(TTM)0.46
FCFY3.01%
OCF(TTM)1.6
OCFY10.53%
SpS21.06
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.31
Graham Number14.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.17% | ||
| ROE | 26.14% | ||
| ROCE | 24.59% | ||
| ROIC | 17.29% | ||
| ROICexc | 32.38% | ||
| ROICexgc | 61.19% | ||
| OM | 12.79% | ||
| PM (TTM) | 6.26% | ||
| GM | N/A | ||
| FCFM | 2.18% |
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%
ROICexgc growth 3Y-16.32%
ROICexgc 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-Score5
Asset Turnover1.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Debt/EBITDA | 1.64 | ||
| Cap/Depr | 210.43% | ||
| Cap/Sales | 5.44% | ||
| Interest Coverage | 7.62 | ||
| Cash Conversion | 49.55% | ||
| Profit Quality | 34.83% | ||
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 | ||
| Altman-Z | 3.9 |
F-Score5
WACC7.44%
ROIC/WACC2.32
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)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
EPS Next Y-9.21%
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
EBIT growth 1Y-20.79%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year10.08%
EBIT Next 3Y6.3%
EBIT Next 5YN/A
FCF growth 1Y-85.91%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y-55.68%
OCF growth 3Y-12.08%
OCF growth 5Y0.21%
INTERNATIONAL MONEY EXPRESS / IMXI FAQ
What is the fundamental rating for IMXI stock?
ChartMill assigns a fundamental rating of 5 / 10 to IMXI.
Can you provide the valuation status for INTERNATIONAL MONEY EXPRESS?
ChartMill assigns a valuation rating of 6 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Fairly Valued.
How profitable is INTERNATIONAL MONEY EXPRESS (IMXI) stock?
INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 7 / 10.
What is the financial health of INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 6 / 10.
What is the expected EPS growth for INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The Earnings per Share (EPS) of INTERNATIONAL MONEY EXPRESS (IMXI) is expected to decline by -9.21% in the next year.