INTERNATIONAL MONEY EXPRESS (IMXI) Fundamental Analysis & Valuation

NASDAQ:IMXI • US46005L1017

Current stock price

15.86 USD
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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.
  • IMXI had a positive operating cash flow in the past year.
  • IMXI had positive earnings in each of the past 5 years.
  • Each year in the past 5 years IMXI had a positive operating cash flow.
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's Return On Assets of 6.31% is amongst the best of the industry. IMXI outperforms 81.82% of its industry peers.
  • IMXI has a better Return On Equity (20.29%) than 83.84% of its industry peers.
  • IMXI's Return On Invested Capital of 12.65% is amongst the best of the industry. IMXI outperforms 90.91% of its industry peers.
  • IMXI had an Average Return On Invested Capital over the past 3 years of 18.09%. This is significantly above the industry average of 8.00%.
  • The 3 year average ROIC (18.09%) for IMXI is well above the current ROIC(12.65%). The reason for the recent decline needs to be investigated.
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

  • IMXI's Profit Margin of 5.38% is on the low side compared to the rest of the industry. IMXI is outperformed by 60.61% of its industry peers.
  • 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 48.48% of the companies in the same industry.
  • IMXI's Operating Margin has declined in the last couple of years.
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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI is creating value.
  • IMXI has less shares outstanding than it did 1 year ago.
  • IMXI has less shares outstanding than it did 5 years ago.
  • IMXI has a worse debt/assets ratio than last year.
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

  • An Altman-Z score of 3.69 indicates that IMXI is not in any danger for bankruptcy at the moment.
  • IMXI's Altman-Z score of 3.69 is amongst the best of the industry. IMXI outperforms 85.86% of its industry peers.
  • The Debt to FCF ratio of IMXI is 13.52, which is on the high side as it means it would take IMXI, 13.52 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 13.52, IMXI is in line with its industry, outperforming 51.52% of the companies in the same industry.
  • A Debt/Equity ratio of 1.21 is on the high side and indicates that IMXI has dependencies on debt financing.
  • IMXI has a Debt to Equity ratio (1.21) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Altman-Z 3.69
ROIC/WACC1.65
WACC7.66%
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.
  • With an excellent Current ratio value of 2.51, IMXI belongs to the best of the industry, outperforming 82.83% of the companies in the same industry.
  • IMXI has a Quick Ratio of 2.51. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 2.51, IMXI belongs to the top of the industry, outperforming 82.83% of the companies in the same industry.
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

  • IMXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.07%.
  • IMXI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.00% yearly.
  • Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -7.72% in the last year.
  • IMXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.22% yearly.
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

  • Based on estimates for the next years, IMXI will show a small growth in Earnings Per Share. The EPS will grow by 3.45% on average per year.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
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 9.67, the valuation of IMXI can be described as reasonable.
  • 61.62% of the companies in the same industry are more expensive than IMXI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (27.87), we can say IMXI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.18, the valuation of IMXI can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, IMXI is valued rather cheaply.
Industry RankSector Rank
PE 9.67
Fwd PE 10.18
IMXI Price Earnings VS Forward Price EarningsIMXI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 90.91% of the companies in the same industry.
  • IMXI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 33.16
EV/EBITDA 5.92
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)0.74
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

  • IMXI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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IMXI Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (4/17/2026, 8:21:36 PM)

After market: 15.86 0 (0%)

15.86

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06
Earnings (Next)05-05
Inst Owners86.76%
Inst Owner Change0.01%
Ins Owners6.73%
Ins Owner Change5.41%
Market Cap478.02M
Revenue(TTM)607.78M
Net Income(TTM)32.67M
Analysts51.67
Price Target16.32 (2.9%)
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 9.67
Fwd PE 10.18
P/S 0.79
P/FCF 33.16
P/OCF 12.96
P/B 2.97
P/tB 5.85
EV/EBITDA 5.92
EPS(TTM)1.64
EY10.34%
EPS(NY)1.56
Fwd EY9.82%
FCF(TTM)0.48
FCFY3.02%
OCF(TTM)1.22
OCFY7.72%
SpS20.17
BVpS5.34
TBVpS2.71
PEG (NY)N/A
PEG (5Y)0.74
Graham Number14.0419 (-11.46%)
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
WACC7.66%
ROIC/WACC1.65
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 9.67 and the Price/Book (PB) ratio is 2.97.


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.