15.4 USD
+0.05 (+0.33%)
15.4 USD
0 (0%)
IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. IMXI has an excellent profitability rating, but there are some minor concerns on its financial health. IMXI is not valued too expensively and it also shows a decent growth rate.
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.
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
IMXI has a Return On Assets of 8.17%. This is amongst the best in the industry. IMXI outperforms 85.71% of its industry peers.
The Return On Equity of IMXI (26.14%) is better than 92.86% of its industry peers.
IMXI's Return On Invested Capital of 17.29% is amongst the best of 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 8.20%.
| 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's Profit Margin of 6.26% is in line compared to the rest of the industry. IMXI outperforms 43.88% of its industry peers.
IMXI's Profit Margin has improved in the last couple of years.
The Operating Margin of IMXI (12.79%) is comparable to the rest of the industry.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so IMXI is creating value.
IMXI has less shares outstanding than it did 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
An Altman-Z score of 3.91 indicates that IMXI is not in any danger for bankruptcy at the moment.
IMXI has a better Altman-Z score (3.91) than 85.71% 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.
Looking at the Debt to FCF ratio, with a value of 11.59, IMXI is in line with its industry, outperforming 45.92% of the companies in the same industry.
IMXI has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of IMXI (1.06) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 11.59 | ||
| Altman-Z | 3.91 |
ROIC/WACC2.29
WACC7.54%
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's Current ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 74.49% 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 Quick ratio of 2.03. This is in the better half of the industry: IMXI outperforms 75.51% 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.
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.
The Revenue has decreased by -6.09% in the past 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
The Earnings Per Share is expected to grow by 2.42% on average over the next years.
The Revenue is expected to grow by 0.46% on average over the next years.
EPS Next Y-9.21%
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.51, the valuation of IMXI can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 74.49% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.46. IMXI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.21, which indicates a rather cheap valuation of IMXI.
73.47% of the companies in the same industry are more expensive than IMXI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.51 | ||
| Fwd PE | 7.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 92.86% of the companies in the same industry.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.59 | ||
| EV/EBITDA | 4.81 |
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-0.56%
EPS Next 3Y2.42%
5. Dividend
5.1 Amount
IMXI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.4
+0.05 (+0.33%)
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 Cap457.69M
Revenue(TTM)625.12M
Net Income(TTM)39.12M
Analysts51.67
Price Target16.32 (5.97%)
Short Float %2.37%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-8.51%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.51 | ||
| Fwd PE | 7.21 | ||
| P/S | 0.73 | ||
| P/FCF | 33.59 | ||
| P/OCF | 9.61 | ||
| P/B | 3.06 | ||
| P/tB | 6.74 | ||
| EV/EBITDA | 4.81 |
EPS(TTM)1.81
EY11.75%
EPS(NY)2.14
Fwd EY13.87%
FCF(TTM)0.46
FCFY2.98%
OCF(TTM)1.6
OCFY10.41%
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
WACC7.54%
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-9.21%
EPS Next 2Y-0.56%
EPS Next 3Y2.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.09%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-9.9%
Revenue Next Year-4.2%
Revenue Next 2Y-1.21%
Revenue Next 3Y0.46%
Revenue Next 5YN/A
EBIT growth 1Y-20.79%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year10.08%
EBIT Next 3Y6.3%
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 -9.21% in the next year.