INTERNATIONAL MONEY EXPRESS (IMXI) Fundamental Analysis & Valuation

NASDAQ:IMXI • US46005L1017

Current stock price

15.8 USD
+0.03 (+0.19%)
Last:

This IMXI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. IMXI Profitability Analysis

1.1 Basic Checks

  • In the past year IMXI was profitable.
  • In the past year IMXI had a positive cash flow from operations.
  • IMXI had positive earnings in each of the past 5 years.
  • Each year in the past 5 years IMXI had a positive operating cash flow.
IMXI Yearly Net Income VS EBIT VS OCF VS FCFIMXI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • With an excellent Return On Assets value of 6.31%, IMXI belongs to the best of the industry, outperforming 81.00% of the companies in the same industry.
  • With an excellent Return On Equity value of 20.29%, IMXI belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
  • IMXI's Return On Invested Capital of 12.65% is amongst the best of the industry. IMXI outperforms 91.00% 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 8.14%.
  • The last Return On Invested Capital (12.65%) for IMXI is well below the 3 year average (18.09%), which needs to be investigated, but indicates that IMXI had better years and this may not be a problem.
Industry RankSector Rank
ROA 6.31%
ROE 20.29%
ROIC 12.65%
ROA(3y)9.78%
ROA(5y)10.86%
ROE(3y)34.6%
ROE(5y)34.95%
ROIC(3y)18.09%
ROIC(5y)18.83%
IMXI Yearly ROA, ROE, ROICIMXI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30 40

1.3 Margins

  • IMXI has a Profit Margin (5.38%) which is in line with its industry peers.
  • IMXI's Profit Margin has declined in the last couple of years.
  • IMXI has a Operating Margin of 11.20%. This is comparable to the rest of the industry: IMXI outperforms 51.00% of its industry peers.
  • IMXI's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.2%
PM (TTM) 5.38%
GM N/A
OM growth 3Y-10.28%
OM growth 5Y-5.19%
PM growth 3Y-19.95%
PM growth 5Y-10.69%
GM growth 3YN/A
GM growth 5YN/A
IMXI Yearly Profit, Operating, Gross MarginsIMXI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. IMXI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so IMXI is creating value.
  • Compared to 1 year ago, IMXI has less shares outstanding
  • Compared to 5 years ago, IMXI has less shares outstanding
  • IMXI has a worse debt/assets ratio than last year.
IMXI Yearly Shares OutstandingIMXI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
IMXI Yearly Total Debt VS Total AssetsIMXI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • IMXI has an Altman-Z score of 3.68. This indicates that IMXI is financially healthy and has little risk of bankruptcy at the moment.
  • IMXI has a better Altman-Z score (3.68) than 87.00% of its industry peers.
  • The Debt to FCF ratio of IMXI is 13.52, which is on the high side as it means it would take IMXI, 13.52 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 13.52, IMXI perfoms like the industry average, outperforming 51.00% of the companies in the same industry.
  • A Debt/Equity ratio of 1.21 is on the high side and indicates that IMXI has dependencies on debt financing.
  • The Debt to Equity ratio of IMXI (1.21) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Altman-Z 3.68
ROIC/WACC1.63
WACC7.75%
IMXI Yearly LT Debt VS Equity VS FCFIMXI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

2.3 Liquidity

  • A Current Ratio of 2.51 indicates that IMXI has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.51, IMXI belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
  • A Quick Ratio of 2.51 indicates that IMXI has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.51, IMXI belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.51
Quick Ratio 2.51
IMXI Yearly Current Assets VS Current LiabilitesIMXI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. IMXI Growth Analysis

3.1 Past

  • The earnings per share for IMXI have decreased strongly by -24.07% in the last year.
  • The Earnings Per Share has been growing by 13.00% on average over the past years. This is quite good.
  • Looking at the last year, IMXI shows a decrease in Revenue. The Revenue has decreased by -7.72% in the last year.
  • IMXI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.22% yearly.
EPS 1Y (TTM)-24.07%
EPS 3Y-3.23%
EPS 5Y13%
EPS Q2Q%-29.82%
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y3.59%
Revenue growth 5Y11.22%
Sales Q2Q%-10.53%

3.2 Future

  • IMXI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.42% yearly.
  • The Revenue is expected to decrease by -0.62% on average over the next years.
EPS Next Y16.93%
EPS Next 2Y14.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.52%
Revenue Next 2Y-2.09%
Revenue Next 3Y-0.62%
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 stable.
  • 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.
IMXI Yearly Revenue VS EstimatesIMXI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
IMXI Yearly EPS VS EstimatesIMXI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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7

4. IMXI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.63, the valuation of IMXI can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of IMXI is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, IMXI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.24, the valuation of IMXI can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IMXI indicates a somewhat cheap valuation: IMXI is cheaper than 63.00% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of IMXI to the average of the S&P500 Index (22.42), we can say IMXI is valued rather cheaply.
Industry RankSector Rank
PE 9.63
Fwd PE 8.24
IMXI Price Earnings VS Forward Price EarningsIMXI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • IMXI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IMXI is cheaper than 88.00% of the companies in the same industry.
  • IMXI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 33.04
EV/EBITDA 5.88
IMXI Per share dataIMXI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • IMXI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • IMXI has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as IMXI's earnings are expected to grow with 14.42% in the coming years.
PEG (NY)0.57
PEG (5Y)0.74
EPS Next 2Y14.42%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. IMXI Dividend Analysis

5.1 Amount

  • No dividends for IMXI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

IMXI Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL MONEY EXPRESS

NASDAQ:IMXI (3/23/2026, 10:39:19 AM)

15.8

+0.03 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06
Earnings (Next)05-05
Inst Owners88.89%
Inst Owner Change-10.31%
Ins Owners6.87%
Ins Owner Change5.42%
Market Cap476.21M
Revenue(TTM)607.78M
Net Income(TTM)32.67M
Analysts51.67
Price Target16.32 (3.29%)
Short Float %4.24%
Short Ratio3.6
Dividend
Industry RankSector 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)-23.7%
Min EPS beat(2)-30.31%
Max EPS beat(2)-17.09%
EPS beat(4)0
Avg EPS beat(4)-16.18%
Min EPS beat(4)-30.31%
Max EPS beat(4)-0.33%
EPS beat(8)2
Avg EPS beat(8)-8.56%
EPS beat(12)5
Avg EPS beat(12)-5.41%
EPS beat(16)9
Avg EPS beat(16)-2.13%
Revenue beat(2)0
Avg Revenue beat(2)-9.35%
Min Revenue beat(2)-10.6%
Max Revenue beat(2)-8.09%
Revenue beat(4)0
Avg Revenue beat(4)-6.67%
Min Revenue beat(4)-10.6%
Max Revenue beat(4)-3.97%
Revenue beat(8)0
Avg Revenue beat(8)-5.07%
Revenue beat(12)0
Avg Revenue beat(12)-4.05%
Revenue beat(16)0
Avg Revenue beat(16)-3.54%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-16.89%
EPS NQ rev (3m)-16.89%
EPS NY rev (1m)-1.36%
EPS NY rev (3m)-1.36%
Revenue NQ rev (1m)-2.91%
Revenue NQ rev (3m)-2.91%
Revenue NY rev (1m)-5.86%
Revenue NY rev (3m)-5.86%
Valuation
Industry RankSector Rank
PE 9.63
Fwd PE 8.24
P/S 0.78
P/FCF 33.04
P/OCF 12.91
P/B 2.96
P/tB 5.83
EV/EBITDA 5.88
EPS(TTM)1.64
EY10.38%
EPS(NY)1.92
Fwd EY12.14%
FCF(TTM)0.48
FCFY3.03%
OCF(TTM)1.22
OCFY7.75%
SpS20.17
BVpS5.34
TBVpS2.71
PEG (NY)0.57
PEG (5Y)0.74
Graham Number14.04
Profitability
Industry RankSector Rank
ROA 6.31%
ROE 20.29%
ROCE 18.07%
ROIC 12.65%
ROICexc 22.9%
ROICexgc 37.03%
OM 11.2%
PM (TTM) 5.38%
GM N/A
FCFM 2.37%
ROA(3y)9.78%
ROA(5y)10.86%
ROE(3y)34.6%
ROE(5y)34.95%
ROIC(3y)18.09%
ROIC(5y)18.83%
ROICexc(3y)40.24%
ROICexc(5y)41.45%
ROICexgc(3y)89.36%
ROICexgc(5y)89.11%
ROCE(3y)25.85%
ROCE(5y)26.89%
ROICexgc growth 3Y-12.27%
ROICexgc growth 5Y-14.92%
ROICexc growth 3Y-11.8%
ROICexc growth 5Y-8.8%
OM growth 3Y-10.28%
OM growth 5Y-5.19%
PM growth 3Y-19.95%
PM growth 5Y-10.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover1.17
Health
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF 13.52
Debt/EBITDA 2.29
Cap/Depr 130.95%
Cap/Sales 3.7%
Interest Coverage 6.3
Cash Conversion 43.28%
Profit Quality 44.12%
Current Ratio 2.51
Quick Ratio 2.51
Altman-Z 3.68
F-Score5
WACC7.75%
ROIC/WACC1.63
Cap/Depr(3y)181.13%
Cap/Depr(5y)157.56%
Cap/Sales(3y)4.04%
Cap/Sales(5y)3.35%
Profit Quality(3y)93.81%
Profit Quality(5y)86.03%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.07%
EPS 3Y-3.23%
EPS 5Y13%
EPS Q2Q%-29.82%
EPS Next Y16.93%
EPS Next 2Y14.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y3.59%
Revenue growth 5Y11.22%
Sales Q2Q%-10.53%
Revenue Next Year-4.52%
Revenue Next 2Y-2.09%
Revenue Next 3Y-0.62%
Revenue Next 5YN/A
EBIT growth 1Y-31.86%
EBIT growth 3Y-7.06%
EBIT growth 5Y5.45%
EBIT Next Year43.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.76%
FCF growth 3Y73.29%
FCF growth 5YN/A
OCF growth 1Y-30.51%
OCF growth 3Y34.47%
OCF growth 5YN/A

INTERNATIONAL MONEY EXPRESS / IMXI Fundamental Analysis FAQ

What is the fundamental rating for IMXI stock?

ChartMill assigns a fundamental rating of 5 / 10 to IMXI.


What is the valuation status of INTERNATIONAL MONEY EXPRESS (IMXI) stock?

ChartMill assigns a valuation rating of 7 / 10 to INTERNATIONAL MONEY EXPRESS (IMXI). This can be considered as Undervalued.


How profitable is INTERNATIONAL MONEY EXPRESS (IMXI) stock?

INTERNATIONAL MONEY EXPRESS (IMXI) has a profitability rating of 6 / 10.


Can you provide the financial health for IMXI stock?

The financial health rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 7 / 10.


Is the dividend of INTERNATIONAL MONEY EXPRESS sustainable?

The dividend rating of INTERNATIONAL MONEY EXPRESS (IMXI) is 0 / 10 and the dividend payout ratio is 0%.