IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
IMXI had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of IMXI (8.17%) is better than 84.54% of its industry peers.
IMXI has a Return On Equity of 26.14%. This is amongst the best in the industry. IMXI outperforms 92.78% of its industry peers.
IMXI's Return On Invested Capital of 17.29% is amongst the best of the industry. IMXI outperforms 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 8.46%.

		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 45.36% of the companies in the same industry.
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 48.45% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), IMXI 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.

2.2 Solvency

An Altman-Z score of 3.91 indicates that IMXI is not in any danger for bankruptcy at the moment.
The Altman-Z score of IMXI (3.91) is better than 86.60% of its industry peers.
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 44.33% 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.
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/WACC2.17

WACC7.95%

2.3 Liquidity

A Current Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.03, IMXI is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
IMXI has a Quick Ratio of 2.03. This indicates that IMXI is financially healthy and has no problem in meeting its short term obligations.
IMXI's Quick ratio of 2.03 is fine compared to the rest of the industry. IMXI outperforms 76.29% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.03
Quick Ratio	2.03

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WACC

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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.
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

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.
Based on estimates for the next years, IMXI will show a decrease in Revenue. The Revenue will decrease by -1.03% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

IMXI is valuated reasonably with a Price/Earnings ratio of 8.54.
Compared to the rest of the industry, the Price/Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 74.23% of the companies listed in the same industry.
IMXI is valuated cheaply when we compare the Price/Earnings ratio to 28.30, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.95, the valuation of IMXI can be described as very cheap.
Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than 71.13% of the companies in the same industry.
IMXI is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.54
Fwd PE	7.95

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaper than 93.81% of the companies in the same industry.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.