MONEYGRAM INTERNATIONAL INC (MGI)
US60935Y2081 - Common Stock
MGI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. There are concerns on the financial health of MGI while its profitability can be described as average. MGI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year MGI was profitable.
In the past year MGI had a positive cash flow from operations.
In the past 5 years MGI reported 4 times negative net income.
MGI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.82%, MGI perfoms like the industry average, outperforming 51.55% of the companies in the same industry.
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.
Measured over the past 3 years, the Average Return On Invested Capital for MGI is significantly below the industry average of 7.90%.
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
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.
MGI's Gross Margin has been stable in the last couple of years.
| 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
MGI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MGI has been reduced compared to a year ago.
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.
The Altman-Z score of MGI (0.04) is worse 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's Debt to FCF ratio of 17.33 is in line compared 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
A Current Ratio of 0.72 indicates that MGI may have some problems paying its short term obligations.
MGI has a Current ratio of 0.72. This is in the lower half of the industry: MGI underperforms 63.92% of its industry peers.
A Quick Ratio of 0.72 indicates that MGI may have some problems paying its short term obligations.
MGI has a Quick ratio of 0.72. This is in the lower half of the industry: MGI underperforms 62.89% of its industry peers.
| 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.
MGI shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.78% yearly.
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 growth Q2Q22.22%
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y-3.94%
Revenue growth Q2Q9.72%
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
MGI is valuated rather expensively with a Price/Earnings ratio of 20.35.
Compared to the rest of the industry, the Price/Earnings ratio of MGI is on the same level as its industry peers.
When comparing the Price/Earnings ratio of MGI to the average of the S&P500 Index (24.83), we can say MGI is valued inline with the index average.
With a Price/Forward Earnings ratio of 15.54, MGI is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MGI is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, MGI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 |
4.2 Price Multiples
MGI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MGI is cheaper than 75.26% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MGI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.71 | ||
| EV/EBITDA | 11.23 |
4.3 Compensation for Growth
MGI's 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
No dividends for MGI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MONEYGRAM INTERNATIONAL INC
NASDAQ:MGI (5/31/2023, 7:00:02 PM)
After market: 10.99 0 (0%)10.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.07B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.57
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 7.57% | ||
| PM (TTM) | 2.54% | ||
| GM | 47.26% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)20%
EPS 3Y135.13%
EPS 5Y
EPS growth Q2Q
EPS Next Y35.96%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y