INTERNATIONAL MONEY EXPRESS (IMXI) Stock Fundamental Analysis
NASDAQ:IMXI - Nasdaq - US46005L1017 - Common Stock - Currency: USD
Overall IMXI gets a fundamental rating of 5 out of 10. We evaluated IMXI against 100 industry peers in the Financial Services industry. IMXI scores excellent on profitability, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IMXI. With these ratings, IMXI could be worth investigating further for value investing!.
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.
IMXI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
IMXI has a Return On Assets of 11.11%. This is amongst the best in the industry. IMXI outperforms 93.00% of its industry peers.
IMXI's Return On Equity of 39.13% is amongst the best of the industry. IMXI outperforms 93.00% of its industry peers.
IMXI's Return On Invested Capital of 22.16% is amongst the best of the industry. IMXI outperforms 94.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for IMXI is significantly above the industry average of 11.84%.
The 3 year average ROIC (20.03%) for IMXI is below the current ROIC(22.16%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.11% | ||
| ROE | 39.13% | ||
| ROIC | 22.16% |
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
With a Profit Margin value of 8.35%, IMXI perfoms like the industry average, outperforming 47.00% of the companies in the same industry.
IMXI's Profit Margin has improved in the last couple of years.
IMXI's Operating Margin of 14.69% is in line compared to the rest of the industry. IMXI outperforms 51.00% of its industry peers.
In the last couple of years the Operating Margin of IMXI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.69% | ||
| PM (TTM) | 8.35% | ||
| 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.
The number of shares outstanding for IMXI has been reduced compared to 5 years ago.
Compared to 1 year ago, IMXI has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.59 indicates that IMXI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.59, IMXI belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
IMXI has a debt to FCF ratio of 12.70. This is a negative value and a sign of low solvency as IMXI would need 12.70 years to pay back of all of its debts.
IMXI's Debt to FCF ratio of 12.70 is in line compared to the rest of the industry. IMXI outperforms 50.00% 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 has a Debt to Equity ratio (1.06) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Altman-Z | 3.59 |
ROIC/WACC2.81
WACC7.89%
2.3 Liquidity
IMXI has a Current Ratio of 1.75. This is a normal value and indicates that IMXI is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of IMXI (1.75) is better than 71.00% of its industry peers.
IMXI has a Quick Ratio of 1.75. This is a normal value and indicates that IMXI is financially healthy and should not expect problems in meeting its short term obligations.
IMXI has a better Quick ratio (1.75) than 73.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
IMXI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.00%.
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 -1.69% 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)4%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-18.6%
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-4.06%
3.2 Future
IMXI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.19% yearly.
The Revenue is expected to grow by 1.06% on average over the next years.
EPS Next Y-8.59%
EPS Next 2Y2.85%
EPS Next 3Y4.19%
EPS Next 5YN/A
Revenue Next Year-3.05%
Revenue Next 2Y-0.11%
Revenue Next 3Y1.06%
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
IMXI is valuated cheaply with a Price/Earnings ratio of 4.72.
Based on the Price/Earnings ratio, IMXI is valued cheaper than 91.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. IMXI is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 4.30, the valuation of IMXI can be described as very cheap.
Based on the Price/Forward Earnings ratio, IMXI is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (35.33), we can say IMXI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IMXI is valued cheaply inside the industry as 97.00% of the companies are valued more expensively.
IMXI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.38 | ||
| EV/EBITDA | 2.74 |
4.3 Compensation for Growth
The decent profitability rating of IMXI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y2.85%
EPS Next 3Y4.19%
5. Dividend
5.1 Amount
No dividends for IMXI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.82
-0.36 (-3.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.09%
Inst Owner Change0%
Ins Owners3.96%
Ins Owner Change4.12%
Market Cap294.40M
Analysts71.43
Price Target13.94 (41.96%)
Short Float %6.56%
Short Ratio5
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)-11.81%
Min EPS beat(2)-16.98%
Max EPS beat(2)-6.64%
EPS beat(4)1
Avg EPS beat(4)-6.41%
Min EPS beat(4)-16.98%
Max EPS beat(4)2.89%
EPS beat(8)4
Avg EPS beat(8)-2.49%
EPS beat(12)8
Avg EPS beat(12)0.76%
EPS beat(16)11
Avg EPS beat(16)2.49%
Revenue beat(2)0
Avg Revenue beat(2)-4.22%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)-4.02%
Revenue beat(4)0
Avg Revenue beat(4)-3.73%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-2.65%
Revenue beat(8)0
Avg Revenue beat(8)-3.23%
Revenue beat(12)0
Avg Revenue beat(12)-2.8%
Revenue beat(16)3
Avg Revenue beat(16)-1.39%
PT rev (1m)-17.17%
PT rev (3m)-36.73%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-9.61%
EPS NY rev (1m)0.23%
EPS NY rev (3m)-10.15%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-4.24%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.3 | ||
| P/S | 0.45 | ||
| P/FCF | 25.38 | ||
| P/OCF | 6.38 | ||
| P/B | 2.11 | ||
| P/tB | 5.08 | ||
| EV/EBITDA | 2.74 |
EPS(TTM)2.08
EY21.18%
EPS(NY)2.29
Fwd EY23.27%
FCF(TTM)0.39
FCFY3.94%
OCF(TTM)1.54
OCFY15.67%
SpS21.77
BVpS4.64
TBVpS1.93
PEG (NY)N/A
PEG (5Y)0.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.11% | ||
| ROE | 39.13% | ||
| ROCE | 31.52% | ||
| ROIC | 22.16% | ||
| ROICexc | 44.23% | ||
| ROICexgc | 94.78% | ||
| OM | 14.69% | ||
| PM (TTM) | 8.35% | ||
| GM | N/A | ||
| FCFM | 1.78% |
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%
ROICexcg growth 3Y-16.32%
ROICexcg 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-Score6
Asset Turnover1.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | 12.7 | ||
| Debt/EBITDA | 1.34 | ||
| Cap/Depr | 245.84% | ||
| Cap/Sales | 5.29% | ||
| Interest Coverage | 9.15 | ||
| Cash Conversion | 41.97% | ||
| Profit Quality | 21.29% | ||
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 | ||
| Altman-Z | 3.59 |
F-Score6
WACC7.89%
ROIC/WACC2.81
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)4%
EPS 3Y21.98%
EPS 5Y26.76%
EPS Q2Q%-18.6%
EPS Next Y-8.59%
EPS Next 2Y2.85%
EPS Next 3Y4.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.78%
Revenue growth 5Y15.56%
Sales Q2Q%-4.06%
Revenue Next Year-3.05%
Revenue Next 2Y-0.11%
Revenue Next 3Y1.06%
Revenue Next 5YN/A
EBIT growth 1Y-0.65%
EBIT growth 3Y13.31%
EBIT growth 5Y22.35%
EBIT Next Year8.84%
EBIT Next 3Y6.26%
EBIT Next 5YN/A
FCF growth 1Y142.73%
FCF growth 3Y-46.37%
FCF growth 5Y-25.68%
OCF growth 1Y372.16%
OCF growth 3Y-12.08%
OCF growth 5Y0.21%