15.42 USD
+0.04 (+0.23%)
15.4 USD
-0.02 (-0.13%)
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. IMXI has an excellent profitability rating, but there are some minor concerns on its financial health. IMXI has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year IMXI was profitable.
IMXI had a positive operating cash flow in the past year.
IMXI had positive earnings in each of the past 5 years.
Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of IMXI (8.17%) is better than 84.85% of its industry peers.
IMXI's Return On Equity of 26.14% is amongst the best of the industry. IMXI outperforms 92.93% of its industry peers.
Looking at the Return On Invested Capital, with a value of 17.29%, IMXI belongs to the top of the industry, outperforming 92.93% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for IMXI is significantly above the industry average of 8.44%.
| 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
IMXI's Profit Margin of 6.26% is in line compared to the rest of the industry. IMXI outperforms 45.45% of its industry peers.
IMXI's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 12.79%, IMXI perfoms like the industry average, outperforming 48.48% of the companies in the same industry.
IMXI's Operating Margin has improved in the last couple of years.
| 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
IMXI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, IMXI has less shares outstanding
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
An Altman-Z score of 3.91 indicates that IMXI is not in any danger for bankruptcy at the moment.
IMXI has a better Altman-Z score (3.91) than 86.87% of its industry peers.
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.
A Debt/Equity ratio of 1.06 is on the high side and indicates that IMXI has dependencies on debt financing.
The Debt to Equity ratio of IMXI (1.06) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.91 |
ROIC/WACC2.29
WACC7.54%
2.3 Liquidity
A Current Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
IMXI's Current ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 73.74% of its industry peers.
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.
With a decent Quick ratio value of 2.03, IMXI is doing good in the industry, outperforming 74.75% of the companies in the same industry.
| 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.
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 -6.09%.
IMXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.56% yearly.
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
IMXI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.20% yearly.
The Revenue is expected to decrease by -1.03% on average over the next years.
EPS Next Y-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
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.
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
IMXI is valuated reasonably with a Price/Earnings ratio of 8.52.
Based on the Price/Earnings ratio, IMXI is valued a bit cheaper than 75.76% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.92. IMXI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.93, 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 somewhat cheap valuation: IMXI is cheaper than 69.70% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. IMXI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.52 | ||
| Fwd PE | 7.93 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 92.93% 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 | 33.63 | ||
| EV/EBITDA | 4.83 |
4.3 Compensation for Growth
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
15.42
+0.04 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.65%
Inst Owner Change10.58%
Ins Owners5.6%
Ins Owner Change0.04%
Market Cap458.28M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (5.84%)
Short Float %3.88%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0%
EPS NQ rev (3m)-7.36%
EPS NY rev (1m)-4.47%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.52 | ||
| Fwd PE | 7.93 | ||
| P/S | 0.73 | ||
| P/FCF | 33.63 | ||
| P/OCF | 9.62 | ||
| P/B | 3.06 | ||
| P/tB | 6.75 | ||
| EV/EBITDA | 4.83 |
EPS(TTM)1.81
EY11.74%
EPS(NY)1.94
Fwd EY12.61%
FCF(TTM)0.46
FCFY2.97%
OCF(TTM)1.6
OCFY10.39%
SpS21.03
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.32
Graham Number14.32
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 | 3.91 |
F-Score5
WACC7.54%
ROIC/WACC2.29
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-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
Revenue Next 5YN/A
EBIT growth 1Y-20.79%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year7.36%
EBIT Next 3Y4.34%
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 -13.27% in the next year.