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MONEYGRAM INTERNATIONAL INC (MGI) Stock Fundamental Analysis

NASDAQ:MGI - Nasdaq - US60935Y2081 - Common Stock - Currency: USD

10.99  0 (0%)

After market: 10.99 0 (0%)

Fundamental Rating

2

Overall MGI gets a fundamental rating of 2 out of 10. We evaluated MGI against 101 industry peers in the Financial Services industry. While MGI is still in line with the averages on profitability rating, there are concerns on its financial health. MGI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

MGI had positive earnings in the past year.
MGI had a positive operating cash flow in the past year.
MGI had negative earnings in 4 of the past 5 years.
In the past 5 years MGI always reported a positive cash flow from operatings.
MGI Yearly Net Income VS EBIT VS OCF VS FCFMGI 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 0 50M -50M 100M

1.2 Ratios

MGI has a Return On Assets (0.82%) which is in line with its industry peers.
MGI has a Return On Invested Capital (2.21%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MGI is significantly below the industry average of 11.85%.
The last Return On Invested Capital (2.21%) for MGI is above the 3 year average (1.97%), which is a sign of increasing profitability.
Industry RankSector 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%
MGI Yearly ROA, ROE, ROICMGI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 10 -10 20 -20 30

1.3 Margins

With a Profit Margin value of 2.54%, MGI perfoms like the industry average, outperforming 46.39% of the companies in the same industry.
MGI has a Operating Margin (7.57%) which is in line with its industry peers.
In the last couple of years the Operating Margin of MGI has grown nicely.
MGI has a Gross Margin of 47.26%. This is in the better half of the industry: MGI outperforms 72.16% of its industry peers.
In the last couple of years the Gross Margin of MGI has remained more or less at the same level.
Industry RankSector 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%
MGI Yearly Profit, Operating, Gross MarginsMGI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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1

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.
MGI has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, MGI has an improved debt to assets ratio.
MGI Yearly Shares OutstandingMGI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M
MGI Yearly Total Debt VS Total AssetsMGI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B

2.2 Solvency

Based on the Altman-Z score of 0.04, we must say that MGI is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.04, MGI is not doing good in the industry: 65.98% of the companies in the same industry are doing better.
MGI has a debt to FCF ratio of 17.33. This is a negative value and a sign of low solvency as MGI would need 17.33 years to pay back of 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 RankSector Rank
Debt/Equity N/A
Debt/FCF 17.33
Altman-Z 0.04
ROIC/WACC0.27
WACC8.11%
MGI Yearly LT Debt VS Equity VS FCFMGI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 200M -200M 400M 600M 800M

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.
MGI has a Quick 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.
MGI's Quick ratio of 0.72 is on the low side compared to the rest of the industry. MGI is outperformed by 62.89% of its industry peers.
Industry RankSector Rank
Current Ratio 0.72
Quick Ratio 0.72
MGI Yearly Current Assets VS Current LiabilitesMGI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

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3. Growth

3.1 Past

MGI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite impressive.
MGI shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.78% yearly.
MGI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.60%.
Measured over the past years, MGI shows a decrease in Revenue. The Revenue has been decreasing by -3.94% on average per year.
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.
MGI Yearly Revenue VS EstimatesMGI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B
MGI Yearly EPS VS EstimatesMGI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8 1

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 20.35 indicates a rather expensive valuation of MGI.
Compared to the rest of the industry, the Price/Earnings ratio of MGI is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.75, MGI is valued a bit cheaper.
A Price/Forward Earnings ratio of 15.54 indicates a correct valuation of MGI.
The rest of the industry has a similar Price/Forward Earnings ratio as MGI.
MGI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.49.
Industry RankSector Rank
PE 20.35
Fwd PE 15.54
MGI Price Earnings VS Forward Price EarningsMGI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
MGI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 23.71
EV/EBITDA 11.23
MGI Per share dataMGI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

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

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0

5. Dividend

5.1 Amount

No dividends for MGI!.
Industry RankSector Rank
Dividend Yield N/A

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MONEYGRAM INTERNATIONAL INC

NASDAQ:MGI (5/31/2023, 8:00:02 PM)

After market: 10.99 0 (0%)

10.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-28 2023-04-28/amc
Earnings (Next)08-03 2023-08-03/bmo
Inst Owners1.02%
Inst Owner Change0%
Ins Owners11.22%
Ins Owner Change0%
Market Cap1.07B
Analysts45
Price Target11.22 (2.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
ROICexcg growth 3Y12.96%
ROICexcg 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 RankSector 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%