IMXI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 97 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 it does not seem to be growing.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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

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 has a better Return On Equity (26.14%) than 92.78% of its industry peers.
IMXI has a Return On Invested Capital of 17.29%. This is amongst the best in the industry. IMXI outperforms 92.78% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital 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

IMXI has a Profit Margin (6.26%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of IMXI has grown nicely.
IMXI's Operating Margin of 12.79% is in line compared 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

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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.
Compared to 1 year ago, IMXI has less shares outstanding
IMXI has less shares outstanding than it did 5 years ago.
IMXI has a worse debt/assets ratio than last year.

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.
IMXI has a Altman-Z score of 3.91. This is amongst the best in the industry. IMXI outperforms 87.63% 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.
With a Debt to FCF ratio value of 11.59, IMXI perfoms like the industry average, outperforming 44.33% of the companies in the same industry.
A Debt/Equity ratio of 1.06 is on the high side and indicates that IMXI has dependencies on debt 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	3.91

ROIC/WACC2.16

WACC7.99%

2.3 Liquidity

A Current Ratio of 2.03 indicates that IMXI has no problem at all paying its short term obligations.
The Current ratio of IMXI (2.03) is better than 75.26% of its industry peers.
A Quick Ratio of 2.03 indicates that IMXI has no problem at all paying 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

Debt/Equity

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Altman-Z score

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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.
Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -6.09% in the last 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.
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

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.
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 8.56.
Based on the Price/Earnings ratio, IMXI is valued a bit cheaper than 72.16% 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 27.21.
Based on the Price/Forward Earnings ratio of 7.97, the valuation of IMXI can be described as very cheap.
Based on the Price/Forward Earnings ratio, IMXI is valued a bit cheaper than the industry average as 69.07% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, IMXI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.56
Fwd PE	7.97

4.2 Price Multiples

IMXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IMXI is cheaper than 93.81% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as IMXI.