INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
USA - NASDAQ:IMXI - US46005L1017 - Common Stock
15.1 USD
-0.01 (-0.07%)
15.1 USD
0 (0%)
IMXI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. IMXI scores excellent points on both the profitability and health parts. This is a solid base for a good stock. IMXI may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make IMXI a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year IMXI was profitable.
IMXI had a positive operating cash flow in the past year.
Each year in the past 5 years IMXI has been profitable.
Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of IMXI (9.93%) is better than 89.69% of its industry peers.
The Return On Equity of IMXI (36.17%) is better than 94.85% of its industry peers.
IMXI has a Return On Invested Capital of 21.36%. This is amongst the best in the industry. IMXI outperforms 94.85% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for IMXI is significantly above the industry average of 8.15%.
The 3 year average ROIC (20.03%) for IMXI is below the current ROIC(21.36%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.93% | ||
| ROE | 36.17% | ||
| ROIC | 21.36% |
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
With a Profit Margin value of 8.01%, IMXI perfoms like the industry average, outperforming 48.45% of the companies in the same industry.
IMXI's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 14.32%, IMXI perfoms like the industry average, outperforming 53.61% of the companies in the same industry.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.32% | ||
| PM (TTM) | 8.01% | ||
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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.
Compared to 1 year ago, IMXI has a worse debt to assets ratio.
2.2 Solvency
IMXI has an Altman-Z score of 3.60. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.60, IMXI belongs to the top of the industry, outperforming 85.57% of the companies in the same industry.
The Debt to FCF ratio of IMXI is 1.97, which is an excellent value as it means it would take IMXI, only 1.97 years of fcf income to pay off all of its debts.
IMXI has a better Debt to FCF ratio (1.97) than 77.32% of its industry peers.
IMXI has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
IMXI has a Debt to Equity ratio (1.01) which is comparable to the rest of the industry.
Although IMXI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Altman-Z | 3.6 |
ROIC/WACC2.84
WACC7.52%
2.3 Liquidity
IMXI has a Current Ratio of 1.63. This is a normal value and indicates that IMXI is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of IMXI (1.63) is better than 72.16% of its industry peers.
IMXI has a Quick Ratio of 1.63. This is a normal value and indicates that IMXI is financially healthy and should not expect problems in meeting its short term obligations.
IMXI has a better Quick ratio (1.63) than 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 |
3. Growth
3.1 Past
The earnings per share for IMXI have decreased by -0.49% in the last year.
The Earnings Per Share has been growing by 26.76% on average over the past years. This is a very strong growth
Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -3.60% in the last year.
Measured over the past years, IMXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.56% on average per year.
EPS 1Y (TTM)-0.49%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-7.27%
Revenue 1Y (TTM)-3.6%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-6.06%
3.2 Future
IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.42% yearly.
IMXI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.46% yearly.
EPS Next Y-9.21%
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 7.40 indicates a rather cheap valuation of IMXI.
Based on the Price/Earnings ratio, IMXI is valued cheaper than 81.44% of the companies in the same industry.
When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (25.89), we can say IMXI is valued rather cheaply.
IMXI is valuated cheaply with a Price/Forward Earnings ratio of 7.07.
74.23% of the companies in the same industry are more expensive than IMXI, based on the Price/Forward Earnings ratio.
IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaply inside the industry as 95.88% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IMXI is valued cheaper than 87.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.14 | ||
| EV/EBITDA | 3.9 |
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)0.28
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.1
-0.01 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.21%
Inst Owner Change-5.21%
Ins Owners4.35%
Ins Owner Change1.45%
Market Cap448.17M
Revenue(TTM)642.15M
Net Income(TTM)51.46M
Analysts51.67
Price Target16.32 (8.08%)
Short Float %3.59%
Short Ratio2.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-8.66%
Min EPS beat(2)-16.98%
Max EPS beat(2)-0.33%
EPS beat(4)1
Avg EPS beat(4)-5.27%
Min EPS beat(4)-16.98%
Max EPS beat(4)2.89%
EPS beat(8)4
Avg EPS beat(8)-1.83%
EPS beat(12)7
Avg EPS beat(12)0.3%
EPS beat(16)10
Avg EPS beat(16)1.54%
Revenue beat(2)0
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)-3.97%
Revenue beat(4)0
Avg Revenue beat(4)-3.77%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-2.65%
Revenue beat(8)0
Avg Revenue beat(8)-3.35%
Revenue beat(12)0
Avg Revenue beat(12)-3.06%
Revenue beat(16)2
Avg Revenue beat(16)-2.14%
PT rev (1m)0%
PT rev (3m)18.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.07 | ||
| P/S | 0.7 | ||
| P/FCF | 6.14 | ||
| P/OCF | 4.24 | ||
| P/B | 3.15 | ||
| P/tB | 7.45 | ||
| EV/EBITDA | 3.9 |
EPS(TTM)2.04
EY13.51%
EPS(NY)2.14
Fwd EY14.14%
FCF(TTM)2.46
FCFY16.29%
OCF(TTM)3.56
OCFY23.56%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.28
Graham Number14.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.93% | ||
| ROE | 36.17% | ||
| ROCE | 30.39% | ||
| ROIC | 21.36% | ||
| ROICexc | 50.57% | ||
| ROICexgc | 141.4% | ||
| OM | 14.32% | ||
| PM (TTM) | 8.01% | ||
| GM | N/A | ||
| FCFM | 11.37% |
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-Score7
Asset Turnover1.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Debt/EBITDA | 1.35 | ||
| Cap/Depr | 215.35% | ||
| Cap/Sales | 5.07% | ||
| Interest Coverage | 8.73 | ||
| Cash Conversion | 98.64% | ||
| Profit Quality | 141.91% | ||
| Current Ratio | 1.63 | ||
| Quick Ratio | 1.63 | ||
| Altman-Z | 3.6 |
F-Score7
WACC7.52%
ROIC/WACC2.84
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)-0.49%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-7.27%
EPS Next Y-9.21%
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.6%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-6.06%
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
EBIT growth 1Y-5.62%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year10.08%
EBIT Next 3Y6.3%
EBIT Next 5YN/A
FCF growth 1Y13422.8%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y894.38%
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 6 / 10 to IMXI.
Can you provide the valuation status for INTERNATIONAL MONEY EXPRESS?
ChartMill assigns a valuation rating of 8 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Undervalued.
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 7 / 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 -9.21% in the next year.