10.99 USD
0 (0%)
10.99 USD
0 (0%)
Taking everything into account, MGI scores 2 out of 10 in our fundamental rating. MGI was compared to 97 industry peers in the Financial Services industry. MGI has a bad profitability rating. Also its financial health evaluation is rather negative. MGI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- MGI had positive earnings in the past year.
- MGI had a positive operating cash flow in the past year.
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.
- With a Return On Invested Capital value of 2.21%, MGI perfoms like the industry average, outperforming 59.79% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for MGI is significantly below the industry average of 8.46%.
- The last Return On Invested Capital (2.21%) for MGI is above the 3 year average (1.97%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 2.54%, MGI is in line with its industry, outperforming 46.39% of the companies in the same industry.
- MGI has a Operating Margin (7.57%) which is comparable to the rest of the industry.
- MGI's Operating Margin has improved in the last couple of years.
- MGI's Gross Margin of 47.26% is fine compared to the rest of the industry. MGI outperforms 72.16% of its industry peers.
- In the last couple of years the Gross Margin of MGI has remained more or less at the same level.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MGI is destroying value.
- The number of shares outstanding for MGI has been increased compared to 1 year ago.
- MGI has a better debt/assets ratio than last year.
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.
- With a Altman-Z score value of 0.04, MGI is not doing good in the industry: 65.98% of the companies in the same industry are doing better.
- MGI has a debt to FCF ratio of 17.33. This is a negative value and a sign of low solvency as MGI would need 17.33 years to pay back of all of its debts.
- MGI has a Debt to FCF ratio of 17.33. This is comparable to the rest of the industry: MGI outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 17.33 | ||
| Altman-Z | 0.04 |
ROIC/WACC0.27
WACC8.11%
2.3 Liquidity
- A Current Ratio of 0.72 indicates that MGI may have some problems paying its short term obligations.
- The Current ratio of MGI (0.72) is worse than 63.92% of its industry peers.
- MGI has a Quick 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 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 |
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.
- MGI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.60%.
- The Revenue has been decreasing by -3.94% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 20.35, the valuation of MGI can be described as rather expensive.
- The rest of the industry has a similar Price/Earnings ratio as MGI.
- MGI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.39.
- Based on the Price/Forward Earnings ratio of 15.54, the valuation of MGI can be described as correct.
- MGI's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, MGI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 |
4.2 Price Multiples
- MGI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MGI is cheaper than 75.26% of the companies in the same industry.
- MGI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.71 | ||
| EV/EBITDA | 11.23 |
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
5. Dividend
5.1 Amount
- MGI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MONEYGRAM INTERNATIONAL INC / MGI FAQ
What is the ChartMill fundamental rating of MONEYGRAM INTERNATIONAL INC (MGI) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MGI.
Can you provide the valuation status for MONEYGRAM INTERNATIONAL INC?
ChartMill assigns a valuation rating of 4 / 10 to MONEYGRAM INTERNATIONAL INC (MGI). This can be considered as Fairly Valued.
How profitable is MONEYGRAM INTERNATIONAL INC (MGI) stock?
MONEYGRAM INTERNATIONAL INC (MGI) has a profitability rating of 2 / 10.
How financially healthy is MONEYGRAM INTERNATIONAL INC?
The financial health rating of MONEYGRAM INTERNATIONAL INC (MGI) is 1 / 10.
What is the expected EPS growth for MONEYGRAM INTERNATIONAL INC (MGI) stock?
The Earnings per Share (EPS) of MONEYGRAM INTERNATIONAL INC (MGI) is expected to grow by 35.96% in the next year.