10.99 USD
0 (0%)
10.99 USD
0 (0%)
Overall MGI gets a fundamental rating of 2 out of 10. We evaluated MGI against 98 industry peers in the Financial Services industry. MGI may be in some trouble as it scores bad on both profitability and health. MGI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
MGI had positive earnings in the past year.
In the past year MGI had a positive cash flow from operations.
1.2 Ratios
MGI's Return On Assets of 0.82% is in line compared to the rest of the industry. MGI outperforms 51.55% of its industry peers.
MGI has a Return On Invested Capital of 2.21%. This is comparable to the rest of the industry: MGI outperforms 59.79% of its industry peers.
MGI had an Average Return On Invested Capital over the past 3 years of 1.97%. This is significantly below the industry average of 8.44%.
The 3 year average ROIC (1.97%) for MGI is below the current ROIC(2.21%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | N/A | ||
| ROIC | 2.21% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)1.97%
ROIC(5y)1.49%
1.3 Margins
The Profit Margin of MGI (2.54%) is comparable to the rest of the industry.
Looking at the Operating Margin, with a value of 7.57%, MGI is in line with its industry, outperforming 47.42% of the companies in the same industry.
In the last couple of years the Operating Margin of MGI has grown nicely.
With a decent Gross Margin value of 47.26%, MGI is doing good in the industry, outperforming 72.16% of the companies in the same industry.
In the last couple of years the Gross Margin of MGI has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.57% | ||
| PM (TTM) | 2.54% | ||
| GM | 47.26% |
OM growth 3Y21.93%
OM growth 5Y51.76%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.8%
GM growth 5Y-1.27%
2. Health
2.1 Basic Checks
MGI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, MGI has more shares outstanding
Compared to 1 year ago, MGI has an improved debt to assets ratio.
2.2 Solvency
MGI has an Altman-Z score of 0.04. This is a bad value and indicates that MGI is not financially healthy and even has some risk of bankruptcy.
MGI has a worse Altman-Z score (0.04) than 65.98% of its industry peers.
The Debt to FCF ratio of MGI is 17.33, which is on the high side as it means it would take MGI, 17.33 years of fcf income to pay off all of its debts.
MGI has a Debt to FCF ratio of 17.33. This is comparable to the rest of the industry: MGI outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 17.33 | ||
| Altman-Z | 0.04 |
ROIC/WACC0.27
WACC8.11%
2.3 Liquidity
MGI has a Current Ratio of 0.72. This is a bad value and indicates that MGI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.72, MGI is not doing good in the industry: 63.92% of the companies in the same industry are doing better.
A Quick Ratio of 0.72 indicates that MGI may have some problems paying its short term obligations.
With a Quick ratio value of 0.72, MGI is not doing good in the industry: 62.89% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.00% over the past year.
Measured over the past years, MGI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.78% on average per year.
The Revenue has been growing slightly by 4.60% in the past year.
MGI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.94% yearly.
EPS 1Y (TTM)20%
EPS 3Y135.13%
EPS 5Y-12.78%
EPS Q2Q%22.22%
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y-3.94%
Sales Q2Q%9.72%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y35.96%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.52%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 20.35, the valuation of MGI can be described as rather expensive.
MGI's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.17, MGI is valued a bit cheaper.
With a Price/Forward Earnings ratio of 15.54, MGI is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as MGI.
When comparing the Price/Forward Earnings ratio of MGI to the average of the S&P500 Index (23.79), we can say MGI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 |
4.2 Price Multiples
75.26% of the companies in the same industry are more expensive than MGI, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as MGI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.71 | ||
| EV/EBITDA | 11.23 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
MGI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.02%
Inst Owner Change0%
Ins Owners11.22%
Ins Owner Change0%
Market Cap1.07B
Revenue(TTM)1.34B
Net Income(TTM)34.10M
Analysts45
Price Target11.22 (2.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.6
Dividend Growth(5Y)-15.07%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.62%
Min EPS beat(2)-31.93%
Max EPS beat(2)75.17%
EPS beat(4)1
Avg EPS beat(4)-3.39%
Min EPS beat(4)-40.59%
Max EPS beat(4)75.17%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-0.09%
Max Revenue beat(2)0.14%
Revenue beat(4)1
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-0.79%
Max Revenue beat(4)0.14%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 | ||
| P/S | 0.8 | ||
| P/FCF | 23.71 | ||
| P/OCF | 9.88 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.23 |
EPS(TTM)0.54
EY4.91%
EPS(NY)0.71
Fwd EY6.43%
FCF(TTM)0.46
FCFY4.22%
OCF(TTM)1.11
OCFY10.12%
SpS13.71
BVpS-1.47
TBVpS-5.99
PEG (NY)0.57
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | N/A | ||
| ROCE | N/A | ||
| ROIC | 2.21% | ||
| ROICexc | 2.29% | ||
| ROICexgc | N/A | ||
| OM | 7.57% | ||
| PM (TTM) | 2.54% | ||
| GM | 47.26% | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)1.97%
ROIC(5y)1.49%
ROICexc(3y)3.58%
ROICexc(5y)2.67%
ROICexgc(3y)4.69%
ROICexgc(5y)3.53%
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y12.96%
ROICexgc growth 5YN/A
ROICexc growth 3Y16.47%
ROICexc growth 5Y61.06%
OM growth 3Y21.93%
OM growth 5Y51.76%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.8%
GM growth 5Y-1.27%
F-Score7
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 17.33 | ||
| Debt/EBITDA | 5.12 | ||
| Cap/Depr | 121.92% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.85% | ||
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 | ||
| Altman-Z | 0.04 |
F-Score7
WACC8.11%
ROIC/WACC0.27
Cap/Depr(3y)80.02%
Cap/Depr(5y)77.93%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20%
EPS 3Y135.13%
EPS 5Y-12.78%
EPS Q2Q%22.22%
EPS Next Y35.96%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y-3.94%
Sales Q2Q%9.72%
Revenue Next Year6.52%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.22%
EBIT growth 3Y22.72%
EBIT growth 5Y45.77%
EBIT Next Year186.25%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.49%
FCF growth 3Y55.4%
FCF growth 5Y-8.19%
OCF growth 1Y12.29%
OCF growth 3Y10.8%
OCF growth 5Y-8.35%
MONEYGRAM INTERNATIONAL INC / MGI FAQ
What is the ChartMill fundamental rating of MONEYGRAM INTERNATIONAL INC (MGI) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MGI.
Can you provide the valuation status for MONEYGRAM INTERNATIONAL INC?
ChartMill assigns a valuation rating of 4 / 10 to MONEYGRAM INTERNATIONAL INC (MGI). This can be considered as Fairly Valued.
How profitable is MONEYGRAM INTERNATIONAL INC (MGI) stock?
MONEYGRAM INTERNATIONAL INC (MGI) has a profitability rating of 2 / 10.
How financially healthy is MONEYGRAM INTERNATIONAL INC?
The financial health rating of MONEYGRAM INTERNATIONAL INC (MGI) is 1 / 10.
What is the expected EPS growth for MONEYGRAM INTERNATIONAL INC (MGI) stock?
The Earnings per Share (EPS) of MONEYGRAM INTERNATIONAL INC (MGI) is expected to grow by 35.96% in the next year.