15.55 USD
+0.03 (+0.19%)
At close: Feb 6, 2026
15.55 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 96 industry peers in the Financial Services industry. While IMXI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. IMXI has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
- 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 8.17%, IMXI belongs to the best of the industry, outperforming 84.54% of the companies in the same industry.
- IMXI's Return On Equity of 26.14% is amongst the best of the industry. IMXI outperforms 92.78% of its industry peers.
- The Return On Invested Capital of IMXI (17.29%) is better than 92.78% 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 8.60%.
| Industry Rank | Sector 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%
1.3 Margins
- IMXI has a Profit Margin of 6.26%. This is comparable to the rest of the industry: IMXI outperforms 44.33% of its industry peers.
- In the last couple of years the Profit Margin of IMXI has grown nicely.
- IMXI has a Operating Margin of 12.79%. This is comparable to the rest of the industry: IMXI outperforms 47.42% of its industry peers.
- In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector 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
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.
- IMXI has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.92 indicates that IMXI is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 3.92, IMXI belongs to the best of the industry, outperforming 87.63% 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 has a Debt to FCF ratio (11.59) which is in line with its industry peers.
- IMXI has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
- IMXI has a Debt to Equity ratio (1.06) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.92 |
ROIC/WACC2.09
WACC8.29%
2.3 Liquidity
- A Current Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
- With a decent Current ratio value of 2.03, IMXI is doing good in the industry, outperforming 75.26% of the companies in the same industry.
- A Quick Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
- With a decent Quick ratio value of 2.03, IMXI is doing good in the industry, outperforming 76.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.03 | ||
| Quick Ratio | 2.03 |
3. Growth
3.1 Past
- The earnings per share for IMXI have decreased strongly by -15.81% in the last year.
- IMXI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.76% yearly.
- The Revenue has decreased by -6.09% in the past 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)-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
- IMXI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.20% yearly.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
- Based on the Price/Earnings ratio of 8.59, the valuation of IMXI can be described as reasonable.
- 70.10% 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 27.93.
- IMXI is valuated cheaply with a Price/Forward Earnings ratio of 8.00.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 70.10% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.77, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 8 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 92.78% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.91 | ||
| EV/EBITDA | 4.87 |
4.3 Compensation for Growth
- The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-5.13%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
- No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
15.55
+0.03 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners90.57%
Inst Owner Change1.54%
Ins Owners5.6%
Ins Owner Change0.04%
Market Cap462.15M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (4.95%)
Short Float %3.26%
Short Ratio4.04
Dividend
| Industry Rank | Sector 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)-7.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 8 | ||
| P/S | 0.74 | ||
| P/FCF | 33.91 | ||
| P/OCF | 9.7 | ||
| P/B | 3.09 | ||
| P/tB | 6.8 | ||
| EV/EBITDA | 4.87 |
EPS(TTM)1.81
EY11.64%
EPS(NY)1.94
Fwd EY12.5%
FCF(TTM)0.46
FCFY2.95%
OCF(TTM)1.6
OCFY10.31%
SpS21.03
BVpS5.04
TBVpS2.29
PEG (NY)N/A
PEG (5Y)0.32
Graham Number14.32
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.92 |
F-Score5
WACC8.29%
ROIC/WACC2.09
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%.