INTERNATIONAL MONEY EXPRESS (IMXI) Fundamental Analysis & Valuation

NASDAQ:IMXI • US46005L1017

Current stock price

15.81 USD
0 (0%)
Last:

This IMXI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. IMXI Profitability Analysis

1.1 Basic Checks

  • IMXI had positive earnings in the past year.
  • IMXI had a positive operating cash flow in the past year.
  • In the past 5 years IMXI has always been profitable.
  • Each year in the past 5 years IMXI had a positive operating cash flow.
IMXI Yearly Net Income VS EBIT VS OCF VS FCFIMXI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • The Return On Assets of IMXI (6.31%) is better than 82.00% of its industry peers.
  • The Return On Equity of IMXI (20.29%) is better than 84.00% of its industry peers.
  • The Return On Invested Capital of IMXI (12.65%) is better than 91.00% 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 8.10%.
  • The 3 year average ROIC (18.09%) for IMXI is well above the current ROIC(12.65%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 6.31%
ROE 20.29%
ROIC 12.65%
ROA(3y)9.78%
ROA(5y)10.86%
ROE(3y)34.6%
ROE(5y)34.95%
ROIC(3y)18.09%
ROIC(5y)18.83%
IMXI Yearly ROA, ROE, ROICIMXI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30 40

1.3 Margins

  • With a Profit Margin value of 5.38%, IMXI perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
  • IMXI's Profit Margin has declined in the last couple of years.
  • IMXI has a Operating Margin (11.20%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of IMXI has declined.
Industry RankSector Rank
OM 11.2%
PM (TTM) 5.38%
GM N/A
OM growth 3Y-10.28%
OM growth 5Y-5.19%
PM growth 3Y-19.95%
PM growth 5Y-10.69%
GM growth 3YN/A
GM growth 5YN/A
IMXI Yearly Profit, Operating, Gross MarginsIMXI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. IMXI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so IMXI is creating value.
  • The number of shares outstanding for IMXI has been reduced compared to 1 year ago.
  • The number of shares outstanding for IMXI has been reduced compared to 5 years ago.
  • The debt/assets ratio for IMXI is higher compared to a year ago.
IMXI Yearly Shares OutstandingIMXI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
IMXI Yearly Total Debt VS Total AssetsIMXI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • IMXI has an Altman-Z score of 3.69. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
  • IMXI has a better Altman-Z score (3.69) than 86.00% of its industry peers.
  • IMXI has a debt to FCF ratio of 13.52. This is a negative value and a sign of low solvency as IMXI would need 13.52 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 13.52, IMXI is in line with its industry, outperforming 51.00% of the companies in the same industry.
  • A Debt/Equity ratio of 1.21 is on the high side and indicates that IMXI has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.21, IMXI perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Altman-Z 3.69
ROIC/WACC1.64
WACC7.73%
IMXI Yearly LT Debt VS Equity VS FCFIMXI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

2.3 Liquidity

  • IMXI has a Current Ratio of 2.51. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 2.51, IMXI belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
  • A Quick Ratio of 2.51 indicates that IMXI has no problem at all paying its short term obligations.
  • IMXI's Quick ratio of 2.51 is amongst the best of the industry. IMXI outperforms 82.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.51
Quick Ratio 2.51
IMXI Yearly Current Assets VS Current LiabilitesIMXI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. IMXI Growth Analysis

3.1 Past

  • IMXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.07%.
  • The Earnings Per Share has been growing by 13.00% on average over the past years. This is quite good.
  • IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -7.72%.
  • The Revenue has been growing by 11.22% on average over the past years. This is quite good.
EPS 1Y (TTM)-24.07%
EPS 3Y-3.23%
EPS 5Y13%
EPS Q2Q%-29.82%
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y3.59%
Revenue growth 5Y11.22%
Sales Q2Q%-10.53%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.42% on average over the next years. This is quite good.
  • IMXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.62% yearly.
EPS Next Y16.93%
EPS Next 2Y14.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.99%
Revenue Next 2Y-1.29%
Revenue Next 3Y-0.62%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
IMXI Yearly Revenue VS EstimatesIMXI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
IMXI Yearly EPS VS EstimatesIMXI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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7

4. IMXI Valuation Analysis

4.1 Price/Earnings Ratio

  • IMXI is valuated reasonably with a Price/Earnings ratio of 9.64.
  • Compared to the rest of the industry, the Price/Earnings ratio of IMXI is on the same level as its industry peers.
  • IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.
  • With a Price/Forward Earnings ratio of 8.24, the valuation of IMXI can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than 67.00% of the companies in the same industry.
  • IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.64
Fwd PE 8.24
IMXI Price Earnings VS Forward Price EarningsIMXI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 90.00% of the companies in the same industry are more expensive than IMXI, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of IMXI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 33.06
EV/EBITDA 5.9
IMXI Per share dataIMXI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • IMXI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • IMXI has a very decent profitability rating, which may justify a higher PE ratio.
  • IMXI's earnings are expected to grow with 14.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)0.74
EPS Next 2Y14.42%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. IMXI Dividend Analysis

5.1 Amount

  • No dividends for IMXI!.
Industry RankSector Rank
Dividend Yield 0%

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IMXI Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (4/6/2026, 2:44:55 PM)

15.81

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06
Earnings (Next)05-05
Inst Owners88.89%
Inst Owner Change0%
Ins Owners6.87%
Ins Owner Change5.41%
Market Cap476.51M
Revenue(TTM)607.78M
Net Income(TTM)32.67M
Analysts51.67
Price Target16.32 (3.23%)
Short Float %3.6%
Short Ratio2.82
Dividend
Industry RankSector 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)-23.7%
Min EPS beat(2)-30.31%
Max EPS beat(2)-17.09%
EPS beat(4)0
Avg EPS beat(4)-16.18%
Min EPS beat(4)-30.31%
Max EPS beat(4)-0.33%
EPS beat(8)2
Avg EPS beat(8)-8.56%
EPS beat(12)5
Avg EPS beat(12)-5.41%
EPS beat(16)9
Avg EPS beat(16)-2.13%
Revenue beat(2)0
Avg Revenue beat(2)-9.35%
Min Revenue beat(2)-10.6%
Max Revenue beat(2)-8.09%
Revenue beat(4)0
Avg Revenue beat(4)-6.67%
Min Revenue beat(4)-10.6%
Max Revenue beat(4)-3.97%
Revenue beat(8)0
Avg Revenue beat(8)-5.07%
Revenue beat(12)0
Avg Revenue beat(12)-4.05%
Revenue beat(16)0
Avg Revenue beat(16)-3.54%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-16.89%
EPS NQ rev (3m)-16.89%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.36%
Revenue NQ rev (1m)-2.01%
Revenue NQ rev (3m)-2.01%
Revenue NY rev (1m)-4.75%
Revenue NY rev (3m)-5.34%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 8.24
P/S 0.78
P/FCF 33.06
P/OCF 12.92
P/B 2.96
P/tB 5.84
EV/EBITDA 5.9
EPS(TTM)1.64
EY10.37%
EPS(NY)1.92
Fwd EY12.13%
FCF(TTM)0.48
FCFY3.02%
OCF(TTM)1.22
OCFY7.74%
SpS20.17
BVpS5.34
TBVpS2.71
PEG (NY)0.57
PEG (5Y)0.74
Graham Number14.04
Profitability
Industry RankSector Rank
ROA 6.31%
ROE 20.29%
ROCE 18.07%
ROIC 12.65%
ROICexc 22.9%
ROICexgc 37.03%
OM 11.2%
PM (TTM) 5.38%
GM N/A
FCFM 2.37%
ROA(3y)9.78%
ROA(5y)10.86%
ROE(3y)34.6%
ROE(5y)34.95%
ROIC(3y)18.09%
ROIC(5y)18.83%
ROICexc(3y)40.24%
ROICexc(5y)41.45%
ROICexgc(3y)89.36%
ROICexgc(5y)89.11%
ROCE(3y)25.85%
ROCE(5y)26.89%
ROICexgc growth 3Y-12.27%
ROICexgc growth 5Y-14.92%
ROICexc growth 3Y-11.8%
ROICexc growth 5Y-8.8%
OM growth 3Y-10.28%
OM growth 5Y-5.19%
PM growth 3Y-19.95%
PM growth 5Y-10.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover1.17
Health
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Debt/EBITDA 2.29
Cap/Depr 130.95%
Cap/Sales 3.7%
Interest Coverage 6.3
Cash Conversion 43.28%
Profit Quality 44.12%
Current Ratio 2.51
Quick Ratio 2.51
Altman-Z 3.69
F-Score5
WACC7.73%
ROIC/WACC1.64
Cap/Depr(3y)181.13%
Cap/Depr(5y)157.56%
Cap/Sales(3y)4.04%
Cap/Sales(5y)3.35%
Profit Quality(3y)93.81%
Profit Quality(5y)86.03%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.07%
EPS 3Y-3.23%
EPS 5Y13%
EPS Q2Q%-29.82%
EPS Next Y16.93%
EPS Next 2Y14.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y3.59%
Revenue growth 5Y11.22%
Sales Q2Q%-10.53%
Revenue Next Year-3.99%
Revenue Next 2Y-1.29%
Revenue Next 3Y-0.62%
Revenue Next 5YN/A
EBIT growth 1Y-31.86%
EBIT growth 3Y-7.06%
EBIT growth 5Y5.45%
EBIT Next Year43.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.76%
FCF growth 3Y73.29%
FCF growth 5YN/A
OCF growth 1Y-30.51%
OCF growth 3Y34.47%
OCF growth 5YN/A

INTERNATIONAL MONEY EXPRESS / IMXI Fundamental Analysis 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 7 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Undervalued.


Can you provide the profitability details for INTERNATIONAL MONEY EXPRESS?

INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for IMXI stock?

The Price/Earnings (PE) ratio for INTERNATIONAL MONEY EXPRESS (IMXI) is 9.64 and the Price/Book (PB) ratio is 2.96.


Can you provide the expected EPS growth for IMXI stock?

The Earnings per Share (EPS) of INTERNATIONAL MONEY EXPRESS (IMXI) is expected to grow by 16.93% in the next year.