MONEYGRAM INTERNATIONAL INC (MGI) Fundamental Analysis & Valuation

NASDAQ:MGI • US60935Y2081

Current stock price

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

3

1. MGI Profitability Analysis

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 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 (0.82%) which is comparable to the rest of the industry.
  • MGI has a Return On Invested Capital (2.21%) which is comparable to the rest of the industry.
  • MGI had an Average Return On Invested Capital over the past 3 years of 1.97%. This is significantly below the industry average of 8.00%.
  • 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 2016 2017 2018 2019 2020 2021 2022 0 10 -10 20 -20

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.
  • MGI's Operating Margin has improved in the last couple of years.
  • MGI has a Gross Margin of 47.26%. This is in the better half 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 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MGI is destroying value.
  • Compared to 1 year ago, MGI has more shares outstanding
  • The debt/assets ratio for MGI has been reduced compared to a year ago.
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

  • MGI has an Altman-Z score of 0.04. This is a bad value and indicates that MGI is not financially healthy and even 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.
  • With a Debt to FCF ratio value of 17.33, MGI perfoms like the industry average, outperforming 49.48% of the companies in the same 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 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 worse Quick ratio (0.72) than 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

  • The Earnings Per Share has grown by an impressive 20.00% over the past year.
  • The earnings per share for MGI have been decreasing by -12.78% on average. This is quite bad
  • MGI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.60%.
  • MGI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.94% yearly.
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

  • With a Price/Earnings ratio of 20.35, MGI is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of MGI is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of MGI to the average of the S&P500 Index (27.53), we can say MGI is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 15.54 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.
  • When comparing the Price/Forward Earnings ratio of MGI to the average of the S&P500 Index (37.95), we can say MGI is valued rather cheaply.
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 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MGI indicates a somewhat cheap valuation: MGI is cheaper than 75.26% of the companies listed in the same industry.
  • MGI's Price/Free Cash Flow is on the same level as the industry average.
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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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 Number0 (-100%)
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 Fundamental Analysis 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.


Can you provide the profitability details for MONEYGRAM INTERNATIONAL INC?

MONEYGRAM INTERNATIONAL INC (MGI) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MGI stock?

The Price/Earnings (PE) ratio for MONEYGRAM INTERNATIONAL INC (MGI) is 20.35 and the Price/Book (PB) ratio is -7.49.


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.