INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
USA - NASDAQ:IMXI - US46005L1017 - Common Stock
14.48 USD
-0.03 (-0.21%)
14.82 USD
+0.34 (+2.35%)
IMXI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. IMXI has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. IMXI may be a bit undervalued, certainly considering the very reasonable score on growth This makes IMXI very considerable for value investing!
1. Profitability
1.1 Basic Checks
IMXI had positive earnings in the past year.
In the past year IMXI had a positive cash flow from operations.
Each year in the past 5 years IMXI has been profitable.
IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 9.93%, IMXI belongs to the best of the industry, outperforming 89.11% of the companies in the same industry.
IMXI has a Return On Equity of 36.17%. This is amongst the best in the industry. IMXI outperforms 95.05% of its industry peers.
IMXI's Return On Invested Capital of 21.36% is amongst the best of the industry. IMXI outperforms 95.05% of its industry peers.
The Average Return On Invested Capital over the past 3 years for IMXI is significantly above the industry average of 7.65%.
The last Return On Invested Capital (21.36%) for IMXI is above the 3 year average (20.03%), which is a sign of increasing profitability.
| 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
IMXI has a Profit Margin (8.01%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IMXI has grown nicely.
IMXI has a Operating Margin (14.32%) which is in line with its industry peers.
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.
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 3.57. 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 3.57, IMXI belongs to the top of the industry, outperforming 84.16% 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.
The Debt to FCF ratio of IMXI (1.97) is better than 77.23% of its industry peers.
A Debt/Equity ratio of 1.01 is on the high side and indicates that IMXI has dependencies on debt financing.
The Debt to Equity ratio of IMXI (1.01) is comparable to the rest of the industry.
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 | 3.57 |
ROIC/WACC2.78
WACC7.69%
2.3 Liquidity
A Current Ratio of 1.63 indicates that IMXI should not have too much problems paying its short term obligations.
The Current ratio of IMXI (1.63) is better than 69.31% 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 71.29% 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.
IMXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.56% yearly.
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.
Based on estimates for the next years, IMXI will show a small growth in Revenue. The Revenue will grow by 0.46% on average per year.
EPS Next Y-9.23%
EPS Next 2Y0.13%
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
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
A Price/Earnings ratio of 7.10 indicates a rather cheap valuation of IMXI.
88.12% of the companies in the same industry are more expensive than IMXI, based on the Price/Earnings ratio.
IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Based on the Price/Forward Earnings ratio of 6.69, the valuation of IMXI can be described as very cheap.
IMXI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 79.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. IMXI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 6.69 |
4.2 Price Multiples
97.03% 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 indicates a rather cheap valuation: IMXI is cheaper than 93.07% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.89 | ||
| EV/EBITDA | 3.73 |
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)0.27
EPS Next 2Y0.13%
EPS Next 3Y2.42%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.48
-0.03 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.87%
Inst Owner Change-1.46%
Ins Owners4.31%
Ins Owner Change1.45%
Market Cap429.77M
Analysts51.67
Price Target16.32 (12.71%)
Short Float %5.31%
Short Ratio2.02
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)18.52%
PT rev (3m)-3.03%
EPS NQ rev (1m)-1.09%
EPS NQ rev (3m)-0.53%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)-1.18%
Revenue NY rev (3m)-1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 6.69 | ||
| P/S | 0.67 | ||
| P/FCF | 5.89 | ||
| P/OCF | 4.07 | ||
| P/B | 3.02 | ||
| P/tB | 7.14 | ||
| EV/EBITDA | 3.73 |
EPS(TTM)2.04
EY14.09%
EPS(NY)2.17
Fwd EY14.96%
FCF(TTM)2.46
FCFY16.99%
OCF(TTM)3.56
OCFY24.57%
SpS21.64
BVpS4.79
TBVpS2.03
PEG (NY)N/A
PEG (5Y)0.27
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%
ROICexcg growth 3Y-16.32%
ROICexcg 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 | 3.57 |
F-Score7
WACC7.69%
ROIC/WACC2.78
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-9.23%
EPS Next 2Y0.13%
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 Year8.74%
EBIT Next 3Y4.89%
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%