INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
USA - NASDAQ:IMXI - US46005L1017 - Common Stock
14.96 USD
+0.03 (+0.2%)
14.96 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to IMXI. IMXI was compared to 98 industry peers in the Financial Services industry. IMXI gets an excellent profitability rating and is at the same time showing great financial health properties. A decent growth rate in combination with a cheap valuation! Better keep an eye on IMXI. These ratings could make IMXI a good candidate for value investing.
1. Profitability
1.1 Basic Checks
IMXI had positive earnings in the past year.
IMXI had a positive operating cash flow in the past year.
IMXI had positive earnings in each of the past 5 years.
IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
IMXI has a better Return On Assets (9.93%) than 89.80% of its industry peers.
IMXI has a better Return On Equity (36.17%) than 94.90% of its industry peers.
IMXI has a better Return On Invested Capital (21.36%) than 94.90% 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 7.85%.
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 47.96% of the companies in the same industry.
In the last couple of years the Profit Margin of IMXI has grown nicely.
With a Operating Margin value of 14.32%, IMXI perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
IMXI's Operating Margin has improved in the last couple of years.
| 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
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.
IMXI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IMXI is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.59 indicates that IMXI is not in any danger for bankruptcy at the moment.
IMXI has a Altman-Z score of 3.59. This is amongst the best in the industry. IMXI outperforms 84.69% of its industry peers.
IMXI has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.
IMXI has a Debt to FCF ratio of 1.97. This is in the better half of the industry: IMXI outperforms 75.51% 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 of 1.01. This is comparable to the rest of the industry: IMXI outperforms 43.88% of its industry peers.
Even though the debt/equity ratio score it not favorable for IMXI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 1.97 | ||
| Altman-Z | 3.59 |
ROIC/WACC2.84
WACC7.51%
2.3 Liquidity
A Current Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
IMXI has a better Current ratio (1.63) than 66.33% of its industry peers.
A Quick Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.63, IMXI is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
| 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
IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -3.60%.
The Revenue has been growing by 15.56% on average over the past years. This is quite good.
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
The Price/Earnings ratio is 7.33, which indicates a rather cheap valuation of IMXI.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a rather cheap valuation: IMXI is cheaper than 83.67% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (26.03), we can say IMXI is valued rather cheaply.
A Price/Forward Earnings ratio of 7.00 indicates a rather cheap valuation of IMXI.
Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than the industry average as 74.49% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (22.27), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.33 | ||
| Fwd PE | 7 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 96.94% of the companies in the same industry.
IMXI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IMXI is cheaper than 87.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.08 | ||
| EV/EBITDA | 3.85 |
4.3 Compensation for Growth
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.27
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 |
14.96
+0.03 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.21%
Inst Owner Change-2%
Ins Owners4.35%
Ins Owner Change1.45%
Market Cap444.01M
Revenue(TTM)642.15M
Net Income(TTM)51.46M
Analysts51.67
Price Target16.32 (9.09%)
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)6.67%
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 | 7.33 | ||
| Fwd PE | 7 | ||
| P/S | 0.69 | ||
| P/FCF | 6.08 | ||
| P/OCF | 4.2 | ||
| P/B | 3.12 | ||
| P/tB | 7.38 | ||
| EV/EBITDA | 3.85 |
EPS(TTM)2.04
EY13.64%
EPS(NY)2.14
Fwd EY14.28%
FCF(TTM)2.46
FCFY16.45%
OCF(TTM)3.56
OCFY23.78%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.27
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 | 3.59 |
F-Score7
WACC7.51%
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.