15.36 USD
-0.01 (-0.07%)
15.36 USD
0 (0%)
Overall IMXI gets a fundamental rating of 5 out of 10. We evaluated IMXI against 97 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.
1. Profitability
1.1 Basic Checks
IMXI had positive earnings in the past year.
In the past year IMXI had a positive cash flow from operations.
In the past 5 years IMXI has always been profitable.
Of the past 5 years IMXI 4 years had a positive operating cash flow.
1.2 Ratios
IMXI has a better Return On Assets (8.17%) than 84.54% of its industry peers.
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.
The Average Return On Invested Capital over the past 3 years for IMXI is significantly above the industry average of 8.44%.
| 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
Looking at the Profit Margin, with a value of 6.26%, IMXI is in line with its industry, outperforming 44.33% of the companies in the same industry.
In the last couple of years the Profit Margin of IMXI has grown nicely.
With a Operating Margin value of 12.79%, IMXI perfoms like the industry average, outperforming 47.42% of the companies in the same industry.
IMXI's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so IMXI is creating value.
The number of shares outstanding for IMXI has been reduced compared to 1 year ago.
Compared to 5 years ago, IMXI has less shares outstanding
Compared to 1 year ago, IMXI has a worse debt to assets ratio.
2.2 Solvency
IMXI has an Altman-Z score of 3.91. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of IMXI (3.91) is better than 86.60% 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.
The Debt to FCF ratio of IMXI (11.59) 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.
IMXI's Debt to Equity ratio of 1.06 is in line compared to the rest of the industry. IMXI outperforms 44.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.91 |
ROIC/WACC2.29
WACC7.55%
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 74.23% 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.
IMXI has a better Quick ratio (2.03) than 75.26% of its industry peers.
| 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.
The Earnings Per Share has been growing by 26.76% on average over the past years. This is a very strong growth
Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -6.09% in the last year.
The Revenue has been growing by 15.56% on average over the past years. This is quite good.
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.
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
With a Price/Earnings ratio of 8.49, the valuation of IMXI can be described as very reasonable.
IMXI's Price/Earnings ratio is a bit cheaper when compared to the industry. IMXI is cheaper than 75.26% of the companies in the same industry.
IMXI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.38.
Based on the Price/Forward Earnings ratio of 7.90, the valuation of IMXI can be described as very cheap.
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 23.83, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 7.9 |
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 92.78% of the companies listed in the same industry.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.5 | ||
| EV/EBITDA | 4.82 |
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%
5. Dividend
5.1 Amount
No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
15.36
-0.01 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.65%
Inst Owner Change10.52%
Ins Owners5.6%
Ins Owner Change1.45%
Market Cap456.50M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (6.25%)
Short Float %3.88%
Short Ratio3.27
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)-7.53%
EPS NQ rev (3m)-7.36%
EPS NY rev (1m)-4.47%
EPS NY rev (3m)-4.45%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 7.9 | ||
| P/S | 0.73 | ||
| P/FCF | 33.5 | ||
| P/OCF | 9.59 | ||
| P/B | 3.05 | ||
| P/tB | 6.72 | ||
| EV/EBITDA | 4.82 |
EPS(TTM)1.81
EY11.78%
EPS(NY)1.94
Fwd EY12.66%
FCF(TTM)0.46
FCFY2.99%
OCF(TTM)1.6
OCFY10.43%
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 | 3.91 |
F-Score5
WACC7.55%
ROIC/WACC2.29
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 3Y4.34%
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.
Can you provide the valuation status for INTERNATIONAL MONEY EXPRESS?
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.
What is the financial health of INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 6 / 10.
What is the expected EPS growth for INTERNATIONAL MONEY EXPRESS (IMXI) stock?
The Earnings per Share (EPS) of INTERNATIONAL MONEY EXPRESS (IMXI) is expected to decline by -13.27% in the next year.