MONEYGRAM INTERNATIONAL INC (MGI) Fundamental Analysis & Valuation

NASDAQ:MGI • US60935Y2081

10.99 USD
0 (0%)
At close: May 31, 2023
10.99 USD
0 (0%)
After Hours: 5/31/2023, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

MGI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. Both the profitability and financial health of MGI have multiple concerns. MGI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. MGI Profitability Analysis

1.1 Basic Checks

  • In the past year MGI was profitable.
  • In the past year MGI had a positive cash flow from operations.
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 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.
  • Looking at the Return On Invested Capital, with a value of 2.21%, MGI is in line with its industry, 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 8.34%.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 0 10 -10 20 -20

1.3 Margins

  • With a Profit Margin value of 2.54%, MGI perfoms like the industry average, outperforming 46.39% of the companies in the same industry.
  • MGI has a Operating Margin (7.57%) which is in line with its industry peers.
  • MGI's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 47.26%, MGI is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
  • In the last couple of years the Gross Margin of MGI has remained more or less at the same level.
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 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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1

2. MGI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MGI is destroying value.
  • MGI has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, MGI has an improved debt to assets ratio.
MGI Yearly Shares OutstandingMGI Yearly Shares OutstandingYearly Shares Outstanding 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 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 worse Altman-Z score (0.04) than 65.98% of its industry peers.
  • 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 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 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 has a Quick ratio of 0.72. This is in the lower half of the industry: MGI underperforms 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 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

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

1

3. MGI Growth Analysis

3.1 Past

  • MGI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite impressive.
  • The earnings per share for MGI have been decreasing by -12.78% on average. This is quite bad
  • Looking at the last year, MGI shows a small growth in Revenue. The Revenue has grown by 4.60% in the last year.
  • 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.
MGI Yearly Revenue VS EstimatesMGI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8 1

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4

4. MGI Valuation Analysis

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.
  • When comparing the Price/Earnings ratio of MGI to the average of the S&P500 Index (26.74), we can say MGI is valued slightly cheaper.
  • MGI is valuated correctly with a Price/Forward Earnings ratio of 15.54.
  • The rest of the industry has a similar Price/Forward Earnings ratio as MGI.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. MGI is valued slightly cheaper when compared to this.
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

  • MGI's 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. MGI Dividend Analysis

5.1 Amount

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

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MGI Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)08-03
Inst Owners1.02%
Inst Owner Change0%
Ins Owners11.22%
Ins Owner Change0%
Market Cap1.07B
Revenue(TTM)1.34B
Net Income(TTM)34.10M
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
Graham NumberN/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
ROICexgc growth 3Y12.96%
ROICexgc 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%

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.