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MONEYGRAM INTERNATIONAL INC (MGI) Stock Fundamental Analysis

NASDAQ:MGI - Nasdaq - US60935Y2081 - Common Stock - Currency: USD

10.99  0 (0%)

After market: 10.99 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to MGI. MGI was compared to 101 industry peers in the Financial Services industry. While MGI is still in line with the averages on profitability rating, there are concerns on its financial health. MGI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

MGI had positive earnings in the past year.
In the past year MGI had a positive cash flow from operations.
MGI had negative earnings in 4 of the past 5 years.
In the past 5 years MGI always reported a positive cash flow from operatings.
MGI Yearly Net Income VS EBIT VS OCF VS FCFMGI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 50M -50M 100M

1.2 Ratios

MGI has a Return On Assets of 0.82%. This is comparable to the rest of the industry: MGI outperforms 51.55% of its industry peers.
MGI's Return On Invested Capital of 2.21% is in line compared to the rest of the industry. MGI outperforms 59.79% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MGI is significantly below the industry average of 7.75%.
The 3 year average ROIC (1.97%) for MGI is below the current ROIC(2.21%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.82%
ROE N/A
ROIC 2.21%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)1.97%
ROIC(5y)1.49%
MGI Yearly ROA, ROE, ROICMGI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 10 -10 20 -20 30

1.3 Margins

MGI has a Profit Margin of 2.54%. This is comparable to the rest of the industry: MGI outperforms 46.39% of its industry peers.
Looking at the Operating Margin, with a value of 7.57%, MGI is in line with its industry, outperforming 47.42% of the companies in the same industry.
In the last couple of years the Operating Margin of MGI has grown nicely.
MGI's Gross Margin of 47.26% is fine compared to the rest of the industry. MGI outperforms 72.16% of its industry peers.
MGI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.57%
PM (TTM) 2.54%
GM 47.26%
OM growth 3Y21.93%
OM growth 5Y51.76%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.8%
GM growth 5Y-1.27%
MGI Yearly Profit, Operating, Gross MarginsMGI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

MGI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MGI has more shares outstanding than it did 1 year ago.
MGI has a better debt/assets ratio than last year.
MGI Yearly Shares OutstandingMGI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M
MGI Yearly Total Debt VS Total AssetsMGI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B

2.2 Solvency

Based on the Altman-Z score of 0.04, we must say that MGI is in the distress zone and has some risk of bankruptcy.
MGI has a Altman-Z score of 0.04. This is in the lower half of the industry: MGI underperforms 65.98% of its industry peers.
The Debt to FCF ratio of MGI is 17.33, which is on the high side as it means it would take MGI, 17.33 years of fcf income to pay off all of its debts.
MGI has a Debt to FCF ratio (17.33) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 17.33
Altman-Z 0.04
ROIC/WACC0.27
WACC8.11%
MGI Yearly LT Debt VS Equity VS FCFMGI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 200M -200M 400M 600M 800M

2.3 Liquidity

MGI has a Current Ratio of 0.72. This is a bad value and indicates that MGI is not financially healthy enough and could expect problems in meeting its short term obligations.
MGI's Current ratio of 0.72 is on the low side compared to the rest of the industry. MGI is outperformed by 63.92% of its industry peers.
A Quick Ratio of 0.72 indicates that MGI may have some problems paying its short term obligations.
MGI's Quick ratio of 0.72 is on the low side compared to the rest of the industry. MGI is outperformed by 62.89% of its industry peers.
Industry RankSector Rank
Current Ratio 0.72
Quick Ratio 0.72
MGI Yearly Current Assets VS Current LiabilitesMGI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.00% over the past year.
Measured over the past years, MGI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.78% on average per year.
The Revenue has been growing slightly by 4.60% in the past year.
Measured over the past years, MGI shows a decrease in Revenue. The Revenue has been decreasing by -3.94% on average per year.
EPS 1Y (TTM)20%
EPS 3Y135.13%
EPS 5Y-12.78%
EPS Q2Q%22.22%
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y-3.94%
Sales Q2Q%9.72%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y35.96%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.52%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
MGI Yearly Revenue VS EstimatesMGI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B
MGI Yearly EPS VS EstimatesMGI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8 1

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4. Valuation

4.1 Price/Earnings Ratio

MGI is valuated rather expensively with a Price/Earnings ratio of 20.35.
MGI's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 29.63. MGI is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 15.54, which indicates a correct valuation of MGI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MGI is on the same level as its industry peers.
MGI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.35
Fwd PE 15.54
MGI Price Earnings VS Forward Price EarningsMGI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, MGI is valued a bit cheaper than 75.26% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as MGI.
Industry RankSector Rank
P/FCF 23.71
EV/EBITDA 11.23
MGI Per share dataMGI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

MGI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MONEYGRAM INTERNATIONAL INC

NASDAQ:MGI (5/31/2023, 8:00:02 PM)

After market: 10.99 0 (0%)

10.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-28 2023-04-28/amc
Earnings (Next)08-03 2023-08-03/bmo
Inst Owners1.02%
Inst Owner Change0%
Ins Owners11.22%
Ins Owner Change0%
Market Cap1.07B
Analysts45
Price Target11.22 (2.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.6
Dividend Growth(5Y)-15.07%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.62%
Min EPS beat(2)-31.93%
Max EPS beat(2)75.17%
EPS beat(4)1
Avg EPS beat(4)-3.39%
Min EPS beat(4)-40.59%
Max EPS beat(4)75.17%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-0.09%
Max Revenue beat(2)0.14%
Revenue beat(4)1
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-0.79%
Max Revenue beat(4)0.14%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 20.35
Fwd PE 15.54
P/S 0.8
P/FCF 23.71
P/OCF 9.88
P/B N/A
P/tB N/A
EV/EBITDA 11.23
EPS(TTM)0.54
EY4.91%
EPS(NY)0.71
Fwd EY6.43%
FCF(TTM)0.46
FCFY4.22%
OCF(TTM)1.11
OCFY10.12%
SpS13.71
BVpS-1.47
TBVpS-5.99
PEG (NY)0.57
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.82%
ROE N/A
ROCE N/A
ROIC 2.21%
ROICexc 2.29%
ROICexgc N/A
OM 7.57%
PM (TTM) 2.54%
GM 47.26%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)1.97%
ROIC(5y)1.49%
ROICexc(3y)3.58%
ROICexc(5y)2.67%
ROICexgc(3y)4.69%
ROICexgc(5y)3.53%
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y12.96%
ROICexcg growth 5YN/A
ROICexc growth 3Y16.47%
ROICexc growth 5Y61.06%
OM growth 3Y21.93%
OM growth 5Y51.76%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.8%
GM growth 5Y-1.27%
F-Score7
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 17.33
Debt/EBITDA 5.12
Cap/Depr 121.92%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 132.85%
Current Ratio 0.72
Quick Ratio 0.72
Altman-Z 0.04
F-Score7
WACC8.11%
ROIC/WACC0.27
Cap/Depr(3y)80.02%
Cap/Depr(5y)77.93%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20%
EPS 3Y135.13%
EPS 5Y-12.78%
EPS Q2Q%22.22%
EPS Next Y35.96%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.6%
Revenue growth 3Y0.64%
Revenue growth 5Y-3.94%
Sales Q2Q%9.72%
Revenue Next Year6.52%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.22%
EBIT growth 3Y22.72%
EBIT growth 5Y45.77%
EBIT Next Year186.25%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.49%
FCF growth 3Y55.4%
FCF growth 5Y-8.19%
OCF growth 1Y12.29%
OCF growth 3Y10.8%
OCF growth 5Y-8.35%