15.47 USD
0 (0%)
15.46 USD
-0.01 (-0.06%)
IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. IMXI scores excellent on profitability, but there are some minor concerns on its financial health. IMXI is valued correctly, 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 84.69% of its industry peers.
IMXI's Return On Equity of 26.14% is amongst the best of the industry. IMXI outperforms 92.86% of its industry peers.
IMXI has a better Return On Invested Capital (17.29%) than 92.86% of its industry peers.
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 has a Profit Margin (6.26%) which is in line with its industry peers.
IMXI's Profit Margin has improved in the last couple of years.
IMXI's Operating Margin of 12.79% is in line compared to the rest of the industry. IMXI outperforms 47.96% 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.
Compared to 1 year ago, IMXI has less shares outstanding
The number of shares outstanding for IMXI has been reduced compared to 5 years ago.
IMXI has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.91 indicates that IMXI is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.91, IMXI belongs to the best of the industry, outperforming 87.76% of the companies in the same industry.
The Debt to FCF ratio of IMXI is 11.59, which is on the high side as it means it would take IMXI, 11.59 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of IMXI (11.59) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.06 is on the high side and indicates that IMXI has dependencies on debt financing.
IMXI has a Debt to Equity ratio (1.06) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.91 |
ROIC/WACC2.16
WACC8%
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 75.51% of its industry peers.
A Quick Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.03, IMXI is in the better half of the industry, outperforming 76.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 |
3. Growth
3.1 Past
IMXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.81%.
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.
The Revenue has decreased by -6.09% in the past year.
The Revenue has been growing by 15.56% on average over the past years. This is quite good.
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 decrease by -0.20% on average over the next years.
IMXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.03% yearly.
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.
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
The Price/Earnings ratio is 8.55, which indicates a very decent valuation of IMXI.
Based on the Price/Earnings ratio, IMXI is valued a bit cheaper than 73.47% of the companies in the same industry.
IMXI is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
IMXI is valuated cheaply with a Price/Forward Earnings ratio of 7.96.
70.41% of the companies in the same industry are more expensive than IMXI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (23.92), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.55 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaply inside the industry as 93.88% of the companies are valued more expensively.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.74 | ||
| EV/EBITDA | 4.85 |
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)0.32
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
15.47
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.57%
Inst Owner Change1.26%
Ins Owners5.6%
Ins Owner Change0.03%
Market Cap459.77M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (5.49%)
Short Float %3.9%
Short Ratio4.21
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)0%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.55 | ||
| Fwd PE | 7.96 | ||
| P/S | 0.74 | ||
| P/FCF | 33.74 | ||
| P/OCF | 9.65 | ||
| P/B | 3.07 | ||
| P/tB | 6.77 | ||
| EV/EBITDA | 4.85 |
EPS(TTM)1.81
EY11.7%
EPS(NY)1.94
Fwd EY12.57%
FCF(TTM)0.46
FCFY2.96%
OCF(TTM)1.6
OCFY10.36%
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
WACC8%
ROIC/WACC2.16
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.
What is the valuation status of INTERNATIONAL MONEY EXPRESS (IMXI) stock?
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.
Can you provide the financial health for IMXI stock?
The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 6 / 10.
Is the dividend of INTERNATIONAL MONEY EXPRESS sustainable?
The dividend rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 0 / 10 and the dividend payout ratio is 0%.