INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis

NASDAQ:IMXI • US46005L1017

15.685 USD
0 (-0.03%)
Last: Feb 23, 2026, 11:33 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IMXI. IMXI was compared to 98 industry peers in the Financial Services industry. IMXI scores excellent on profitability, but there are some minor concerns on its financial health. IMXI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year IMXI was profitable.
  • IMXI had a positive operating cash flow in the past year.
  • In the past 5 years IMXI has always been profitable.
  • Of the past 5 years IMXI 4 years 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 0 50M 100M

1.2 Ratios

  • IMXI's Return On Assets of 8.17% is amongst the best of the industry. IMXI outperforms 84.69% of its industry peers.
  • IMXI has a Return On Equity of 26.14%. This is amongst the best in the industry. IMXI outperforms 91.84% of its industry peers.
  • IMXI has a Return On Invested Capital of 17.29%. This is amongst the best in the industry. IMXI outperforms 92.86% of its industry peers.
  • IMXI had an Average Return On Invested Capital over the past 3 years of 20.03%. This is significantly above the industry average of 8.42%.
Industry RankSector Rank
ROA 8.17%
ROE 26.14%
ROIC 17.29%
ROA(3y)11.41%
ROA(5y)12.2%
ROE(3y)40.58%
ROE(5y)38.06%
ROIC(3y)20.03%
ROIC(5y)20.57%
IMXI Yearly ROA, ROE, ROICIMXI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

1.3 Margins

  • Looking at the Profit Margin, with a value of 6.26%, IMXI is in line with its industry, outperforming 44.90% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IMXI has grown nicely.
  • IMXI's Operating Margin of 12.79% is in line compared to the rest of the industry. IMXI outperforms 51.02% of its industry peers.
  • IMXI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.79%
PM (TTM) 6.26%
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
IMXI Yearly Profit, Operating, Gross MarginsIMXI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
  • IMXI has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for IMXI is higher compared to a year ago.
IMXI Yearly Shares OutstandingIMXI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100M 200M 300M 400M 500M

2.2 Solvency

  • An Altman-Z score of 3.93 indicates that IMXI is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of IMXI (3.93) is better than 86.73% of its industry peers.
  • The Debt to FCF ratio of IMXI is 11.59, which is on the high side as it means it would take IMXI, 11.59 years of fcf income to pay off all of its debts.
  • IMXI has a Debt to FCF ratio (11.59) which is comparable to the rest of the industry.
  • IMXI has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.06, IMXI is in line with its industry, outperforming 42.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.06
Debt/FCF 11.59
Altman-Z 3.93
ROIC/WACC2.19
WACC7.91%
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 0 50M 100M 150M

2.3 Liquidity

  • IMXI has a Current Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
  • IMXI has a better Current ratio (2.03) than 75.51% of its industry peers.
  • A Quick Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.03, IMXI is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.03
Quick Ratio 2.03
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 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. Growth

3.1 Past

  • IMXI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.81%.
  • Measured over the past years, IMXI shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.76% on average per year.
  • IMXI shows a decrease in Revenue. In the last year, the revenue decreased by -6.09%.
  • 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)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%

3.2 Future

  • Based on estimates for the next years, IMXI will show a decrease in Earnings Per Share. The EPS will decrease by -0.20% on average per year.
  • The Revenue is expected to decrease by -1.03% on average over the next years.
EPS Next Y-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
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 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 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.67 indicates a reasonable valuation of IMXI.
  • 68.37% 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 (26.99), we can say IMXI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.07, the valuation of IMXI can be described as very reasonable.
  • 67.35% of the companies in the same industry are more expensive than IMXI, based on the Price/Forward Earnings ratio.
  • IMXI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.02.
Industry RankSector Rank
PE 8.67
Fwd PE 8.07
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IMXI indicates a rather cheap valuation: IMXI is cheaper than 91.84% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as IMXI.
Industry RankSector Rank
P/FCF 34.21
EV/EBITDA 4.92
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)0.32
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (2/23/2026, 11:33:43 AM)

15.685

0 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10
Earnings (Next)02-24
Inst Owners90.57%
Inst Owner Change-10.09%
Ins Owners5.6%
Ins Owner Change5.74%
Market Cap466.16M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (4.05%)
Short Float %2.94%
Short Ratio3.78
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)-15.32%
Min EPS beat(2)-30.31%
Max EPS beat(2)-0.33%
EPS beat(4)0
Avg EPS beat(4)-13.57%
Min EPS beat(4)-30.31%
Max EPS beat(4)-0.33%
EPS beat(8)3
Avg EPS beat(8)-5.77%
EPS beat(12)6
Avg EPS beat(12)-3.64%
EPS beat(16)10
Avg EPS beat(16)0.1%
Revenue beat(2)0
Avg Revenue beat(2)-6.03%
Min Revenue beat(2)-8.09%
Max Revenue beat(2)-3.97%
Revenue beat(4)0
Avg Revenue beat(4)-5.13%
Min Revenue beat(4)-8.09%
Max Revenue beat(4)-3.97%
Revenue beat(8)0
Avg Revenue beat(8)-4.28%
Revenue beat(12)0
Avg Revenue beat(12)-3.38%
Revenue beat(16)1
Avg Revenue beat(16)-2.73%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
Industry RankSector Rank
PE 8.67
Fwd PE 8.07
P/S 0.75
P/FCF 34.21
P/OCF 9.79
P/B 3.11
P/tB 6.86
EV/EBITDA 4.92
EPS(TTM)1.81
EY11.54%
EPS(NY)1.94
Fwd EY12.39%
FCF(TTM)0.46
FCFY2.92%
OCF(TTM)1.6
OCFY10.22%
SpS21.03
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.32
Graham Number14.32
Profitability
Industry RankSector Rank
ROA 8.17%
ROE 26.14%
ROCE 24.59%
ROIC 17.29%
ROICexc 32.38%
ROICexgc 61.19%
OM 12.79%
PM (TTM) 6.26%
GM N/A
FCFM 2.18%
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-Score5
Asset Turnover1.31
Health
Industry RankSector Rank
Debt/Equity 1.06
Debt/FCF 11.59
Debt/EBITDA 1.64
Cap/Depr 210.43%
Cap/Sales 5.44%
Interest Coverage 7.62
Cash Conversion 49.55%
Profit Quality 34.83%
Current Ratio 2.03
Quick Ratio 2.03
Altman-Z 3.93
F-Score5
WACC7.91%
ROIC/WACC2.19
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)-15.81%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-37.7%
EPS Next Y-13.27%
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
Revenue Next Year-5.15%
Revenue Next 2Y-2.15%
Revenue Next 3Y-1.03%
Revenue Next 5YN/A
EBIT growth 1Y-20.79%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year7.36%
EBIT Next 3Y4.19%
EBIT Next 5YN/A
FCF growth 1Y-85.91%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y-55.68%
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 5 / 10 to IMXI.


What is the valuation status of INTERNATIONAL MONEY EXPRESS (IMXI) stock?

ChartMill assigns a valuation rating of 6 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Fairly Valued.


How profitable is INTERNATIONAL MONEY EXPRESS (IMXI) stock?

INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 7 / 10.


Can you provide the financial health for IMXI stock?

The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 6 / 10.


Is the dividend of INTERNATIONAL MONEY EXPRESS sustainable?

The dividend rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 0 / 10 and the dividend payout ratio is 0%.