15.51 USD
+0.05 (+0.32%)
At close: Feb 2, 2026
15.51 USD
0 (0%)
After Hours: 2/2/2026, 8:14:52 PM
We assign a fundamental rating of 5 out of 10 to IMXI. IMXI was compared to 97 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.
- In the past year IMXI had a positive cash flow from operations.
- In the past 5 years IMXI has always been profitable.
- Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.17%, IMXI belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
- IMXI has a better Return On Equity (26.14%) than 92.78% of its industry peers.
- With an excellent Return On Invested Capital value of 17.29%, IMXI belongs to the best of the industry, outperforming 92.78% of the companies in the same industry.
- IMXI had an Average Return On Invested Capital over the past 3 years of 20.03%. This is significantly above the industry average of 8.50%.
| 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
- Looking at the Profit Margin, with a value of 6.26%, IMXI is in line with its industry, outperforming 44.33% of the companies in the same industry.
- In the last couple of years the Profit Margin of IMXI has grown nicely.
- IMXI has a Operating Margin (12.79%) which is comparable to the rest of the 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
- 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.
- The debt/assets ratio for IMXI is higher compared to a year ago.
2.2 Solvency
- IMXI has an Altman-Z score of 3.92. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 3.92, IMXI belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
- 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 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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.92 |
ROIC/WACC2.14
WACC8.06%
2.3 Liquidity
- IMXI has a Current Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
- IMXI's Current ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 75.26% of its industry peers.
- A Quick Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
- IMXI's Quick ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 76.29% of its industry peers.
| 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.
- 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 -6.09% in the last 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.
- Based on estimates for the next years, IMXI will show a decrease in Revenue. The Revenue will decrease by -1.03% on average per year.
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
- Based on the Price/Earnings ratio of 8.57, the valuation of IMXI can be described as reasonable.
- IMXI's Price/Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 74.23% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.41. IMXI is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 7.98, which indicates a rather cheap valuation of IMXI.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 70.10% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (25.64), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.98 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 92.78% 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 | 33.83 | ||
| EV/EBITDA | 4.86 |
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% |
15.51
+0.05 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners90.57%
Inst Owner Change1.22%
Ins Owners5.6%
Ins Owner Change0.04%
Market Cap460.96M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (5.22%)
Short Float %3.41%
Short Ratio4.07
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)-7.53%
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 | 8.57 | ||
| Fwd PE | 7.98 | ||
| P/S | 0.74 | ||
| P/FCF | 33.83 | ||
| P/OCF | 9.68 | ||
| P/B | 3.08 | ||
| P/tB | 6.79 | ||
| EV/EBITDA | 4.86 |
EPS(TTM)1.81
EY11.67%
EPS(NY)1.94
Fwd EY12.53%
FCF(TTM)0.46
FCFY2.96%
OCF(TTM)1.6
OCFY10.33%
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 | 3.92 |
F-Score5
WACC8.06%
ROIC/WACC2.14
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 3Y4.19%
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%.