INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis

NASDAQ:IMXI • US46005L1017

15.75 USD
-0.03 (-0.19%)
At close: Feb 25, 2026
15.75 USD
0 (0%)
After Hours: 2/25/2026, 8:21:09 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While IMXI has a great profitability rating, 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.
  • 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.
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.
  • The Return On Invested Capital of IMXI (17.29%) is better than 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 8.40%.
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

  • IMXI's Profit Margin of 6.26% is in line compared to the rest of the industry. IMXI outperforms 44.90% of its industry peers.
  • IMXI's Profit Margin has improved in the last couple of years.
  • IMXI has a Operating Margin of 12.79%. This is comparable to the rest of the industry: IMXI outperforms 51.02% of its industry peers.
  • In the last couple of years the Operating Margin of IMXI has grown nicely.
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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI is creating value.
  • The number of shares outstanding for IMXI has been reduced compared to 1 year ago.
  • IMXI has less shares outstanding than it did 5 years ago.
  • 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 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.
  • Looking at the Altman-Z score, with a value of 3.93, IMXI belongs to the top of the industry, outperforming 86.73% of the companies in the same industry.
  • IMXI has a debt to FCF ratio of 11.59. This is a negative value and a sign of low solvency as IMXI would need 11.59 years to pay back of all of its debts.
  • IMXI's Debt to FCF ratio of 11.59 is in line compared to the rest of the industry. IMXI outperforms 44.90% of its industry peers.
  • A Debt/Equity ratio of 1.06 is on the high side and indicates that IMXI has dependencies on debt financing.
  • The Debt to Equity ratio of IMXI (1.06) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.06
Debt/FCF 11.59
Altman-Z 3.93
ROIC/WACC2.2
WACC7.84%
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

  • A Current Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
  • IMXI's Current ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 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.
  • IMXI has a better Quick ratio (2.03) than 75.51% of its industry peers.
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

More info and screens

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%.
  • The Earnings Per Share has been growing by 26.76% on average over the past years. This is a very strong growth
  • The Revenue has decreased by -6.09% in the past year.
  • Measured over the past years, IMXI shows a quite strong growth in Revenue. The Revenue has been growing by 15.56% on average per year.
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

  • The Earnings Per Share is expected to decrease by -0.20% on average over the next years.
  • IMXI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.03% yearly.
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

  • 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 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

  • Based on the Price/Earnings ratio of 8.70, 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 67.35% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of IMXI to the average of the S&P500 Index (27.05), we can say IMXI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.10, the valuation of IMXI can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than 65.31% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. IMXI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.7
Fwd PE 8.1
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

  • Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 91.84% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of IMXI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 34.35
EV/EBITDA 4.94
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)0.33
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (2/25/2026, 8:21:09 PM)

After market: 15.75 0 (0%)

15.75

-0.03 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-05
Inst Owners90.57%
Inst Owner Change-10.09%
Ins Owners5.6%
Ins Owner Change5.74%
Market Cap468.09M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (3.62%)
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 8.7
Fwd PE 8.1
P/S 0.75
P/FCF 34.35
P/OCF 9.83
P/B 3.13
P/tB 6.89
EV/EBITDA 4.94
EPS(TTM)1.81
EY11.49%
EPS(NY)1.94
Fwd EY12.34%
FCF(TTM)0.46
FCFY2.91%
OCF(TTM)1.6
OCFY10.17%
SpS21.03
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.33
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
WACC7.84%
ROIC/WACC2.2
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 Year6.41%
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%.