INTERNATIONAL MONEY EXPRESS (IMXI)
US46005L1017 - Common Stock
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 scores excellent points on both the profitability and health parts. This is a solid base for a good stock. A decent growth rate in combination with a cheap valuation! Better keep an eye on IMXI. This makes IMXI very considerable for value and quality 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.
In the past 5 years IMXI has always been profitable.
IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of IMXI (12.67%) is better than 94.90% of its industry peers.
IMXI has a Return On Equity of 42.96%. This is amongst the best in the industry. IMXI outperforms 94.90% of its industry peers.
The Return On Invested Capital of IMXI (24.26%) is better than 95.92% of its industry peers.
The Average Return On Invested Capital over the past 3 years for IMXI is significantly above the industry average of 7.93%.
The 3 year average ROIC (20.19%) for IMXI is below the current ROIC(24.26%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.67% | ||
| ROE | 42.96% | ||
| ROIC | 24.26% |
ROA(3y)11.75%
ROA(5y)11.38%
ROE(3y)36.96%
ROE(5y)36.35%
ROIC(3y)20.19%
ROIC(5y)20.12%
1.3 Margins
Looking at the Profit Margin, with a value of 9.15%, IMXI is in line with its industry, outperforming 47.96% of the companies in the same industry.
IMXI's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 15.17%, IMXI perfoms like the industry average, outperforming 53.06% of the companies in the same industry.
IMXI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.17% | ||
| PM (TTM) | 9.15% | ||
| GM | N/A |
OM growth 3Y-0.63%
OM growth 5Y11.21%
PM growth 3Y-1.53%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
IMXI has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
IMXI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for IMXI has been reduced compared to 5 years ago.
IMXI has a worse debt/assets ratio than last year.
2.2 Solvency
IMXI has an Altman-Z score of 4.32. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of IMXI (4.32) is better than 87.76% of its industry peers.
The Debt to FCF ratio of IMXI is 1.58, which is an excellent value as it means it would take IMXI, only 1.58 years of fcf income to pay off all of its debts.
IMXI has a better Debt to FCF ratio (1.58) than 75.51% of its industry peers.
IMXI has a Debt/Equity ratio of 0.97. This is a neutral value indicating IMXI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, IMXI perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
Although IMXI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 1.58 | ||
| Altman-Z | 4.32 |
ROIC/WACC3.04
WACC7.98%
2.3 Liquidity
A Current Ratio of 1.80 indicates that IMXI should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.80, IMXI is doing good in the industry, outperforming 69.39% of the companies in the same industry.
A Quick Ratio of 1.80 indicates that IMXI should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.80, IMXI is doing good in the industry, outperforming 70.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.8 | ||
| Quick Ratio | 1.8 |
3. Growth
3.1 Past
IMXI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.22%, which is quite good.
IMXI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.88% yearly.
Looking at the last year, IMXI shows a small growth in Revenue. The Revenue has grown by 3.78% in the last year.
Measured over the past years, IMXI shows a quite strong growth in Revenue. The Revenue has been growing by 19.19% on average per year.
EPS 1Y (TTM)16.22%
EPS 3Y29.88%
EPS 5YN/A
EPS Q2Q%19.61%
Revenue 1Y (TTM)3.78%
Revenue growth 3Y22.63%
Revenue growth 5Y19.19%
Sales Q2Q%-0.28%
3.2 Future
The Earnings Per Share is expected to grow by 11.50% on average over the next years. This is quite good.
Based on estimates for the next years, IMXI will show a small growth in Revenue. The Revenue will grow by 3.51% on average per year.
EPS Next Y13.25%
EPS Next 2Y13.49%
EPS Next 3Y11.5%
EPS Next 5YN/A
Revenue Next Year0.61%
Revenue Next 2Y3.04%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 9.92, which indicates a very decent valuation of IMXI.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 74.49% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (29.29), we can say IMXI is valued rather cheaply.
IMXI is valuated reasonably with a Price/Forward Earnings ratio of 8.49.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 71.43% of the companies listed in the same industry.
IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 8.49 |
4.2 Price Multiples
90.82% of the companies in the same industry are more expensive than IMXI, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, IMXI is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.59 | ||
| EV/EBITDA | 5.64 |
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.
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y13.49%
EPS Next 3Y11.5%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
INTERNATIONAL MONEY EXPRESS
NASDAQ:IMXI (11/22/2024, 8:00:02 PM)
After market: 21.32 0 (0%)21.32
+0.12 (+0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap663.05M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 8.49 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.75
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.67% | ||
| ROE | 42.96% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 15.17% | ||
| PM (TTM) | 9.15% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.8 | ||
| Quick Ratio | 1.8 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)16.22%
EPS 3Y29.88%
EPS 5Y
EPS Q2Q%
EPS Next Y13.25%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.78%
Revenue growth 3Y22.63%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y