INTERNATIONAL MONEY EXPRESS (IMXI) Fundamental Analysis & Valuation

NASDAQ:IMXI • US46005L1017

Current stock price

15.92 USD
-0.02 (-0.13%)
At close:
15.92 USD
0 (0%)
After Hours:

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.
  • In the past year IMXI had a positive cash flow from operations.
  • IMXI had positive earnings in each of the past 5 years.
  • IMXI had a positive operating cash flow in each of the past 5 years.
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

  • IMXI has a Return On Assets of 6.31%. This is amongst the best in the industry. IMXI outperforms 82.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 20.29%, IMXI belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 12.65%, IMXI belongs to the top of the industry, outperforming 91.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for IMXI is significantly above the industry average of 7.97%.
  • The last Return On Invested Capital (12.65%) for IMXI is well below the 3 year average (18.09%), which needs to be investigated, but indicates that IMXI had better years and this may not be a problem.
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 is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
  • IMXI's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 11.20%, IMXI perfoms like the industry average, outperforming 49.00% of the companies in the same 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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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.
  • Compared to 1 year ago, IMXI has less shares outstanding
  • Compared to 5 years ago, IMXI has less shares outstanding
  • Compared to 1 year ago, IMXI has a worse debt to assets ratio.
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.
  • The Altman-Z score of IMXI (3.69) is better than 85.00% 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.
  • IMXI's Debt to FCF ratio of 13.52 is in line compared to the rest of the industry. IMXI outperforms 51.00% of its industry peers.
  • IMXI has a Debt/Equity ratio of 1.21. This is a high value indicating a heavy dependency on external financing.
  • IMXI has a Debt to Equity ratio (1.21) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Altman-Z 3.69
ROIC/WACC1.64
WACC7.7%
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.
  • IMXI's Current ratio of 2.51 is amongst the best of the industry. IMXI outperforms 83.00% of its industry peers.
  • A Quick Ratio of 2.51 indicates that IMXI has no problem at all paying its short term obligations.
  • IMXI has a better Quick ratio (2.51) than 83.00% 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

  • The earnings per share for IMXI have decreased strongly by -24.07% in the last year.
  • Measured over the past years, IMXI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.00% on average per year.
  • The Revenue has decreased by -7.72% in the past year.
  • 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

  • IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.45% yearly.
  • Based on estimates for the next years, IMXI will show a decrease in Revenue. The Revenue will decrease by -0.62% on average per year.
EPS Next Y-5.05%
EPS Next 2Y0.69%
EPS Next 3Y3.45%
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

  • 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.
  • 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 2028 0.5 1 1.5 2

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5

4. IMXI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.71, 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 61.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.35. IMXI is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.22, the valuation of IMXI can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as IMXI.
  • IMXI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.23.
Industry RankSector Rank
PE 9.71
Fwd PE 10.22
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.
  • IMXI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 33.29
EV/EBITDA 5.94
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 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2Y0.69%
EPS Next 3Y3.45%

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

IMXI Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (4/27/2026, 8:00:02 PM)

After market: 15.92 0 (0%)

15.92

-0.02 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06
Earnings (Next)05-05
Inst Owners86.76%
Inst Owner Change-0.92%
Ins Owners6.73%
Ins Owner Change5.41%
Market Cap479.83M
Revenue(TTM)607.78M
Net Income(TTM)32.67M
Analysts51.67
Price Target16.32 (2.51%)
Short Float %4.9%
Short Ratio3.56
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)0%
EPS NQ rev (3m)-16.89%
EPS NY rev (1m)-18.79%
EPS NY rev (3m)-19.9%
Revenue NQ rev (1m)0.93%
Revenue NQ rev (3m)-2.01%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)-5.34%
Valuation
Industry RankSector Rank
PE 9.71
Fwd PE 10.22
P/S 0.79
P/FCF 33.29
P/OCF 13.01
P/B 2.98
P/tB 5.88
EV/EBITDA 5.94
EPS(TTM)1.64
EY10.3%
EPS(NY)1.56
Fwd EY9.78%
FCF(TTM)0.48
FCFY3%
OCF(TTM)1.22
OCFY7.69%
SpS20.17
BVpS5.34
TBVpS2.71
PEG (NY)N/A
PEG (5Y)0.75
Graham Number14.0419 (-11.8%)
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
WACC7.7%
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 Y-5.05%
EPS Next 2Y0.69%
EPS Next 3Y3.45%
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 Year28.02%
EBIT Next 3Y13.75%
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 5 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Fairly Valued.


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 9.71 and the Price/Book (PB) ratio is 2.98.


Can you provide the expected EPS growth for IMXI stock?

The Earnings per Share (EPS) of INTERNATIONAL MONEY EXPRESS (IMXI) is expected to decline by -5.05% in the next year.