10.99 USD
0 (0%)
10.99 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to MGI. MGI was compared to 99 industry peers in the Financial Services industry. MGI has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past 5 years MGI reported 4 times negative net income.
In the past 5 years MGI always reported a positive cash flow from operatings.
1.2 Ratios
MGI has a Return On Assets (0.82%) which is comparable to the rest of the industry.
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 8.44%.
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
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.
The Operating Margin of MGI (7.57%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of MGI has grown nicely.
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 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MGI is destroying value.
MGI has more shares outstanding than it did 1 year ago.
The debt/assets ratio for MGI has been reduced compared to a year ago.
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.
The Altman-Z score of MGI (0.04) is worse 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.
Looking at the Debt to FCF ratio, with a value of 17.33, MGI is in line with its industry, outperforming 49.48% of the companies in the same industry.
| 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.
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 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.
MGI shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.78% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 20.35, which indicates a rather expensive current valuation of MGI.
The rest of the industry has a similar Price/Earnings ratio as MGI.
MGI is valuated rather cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.54, which indicates a correct valuation of MGI.
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 24.03, MGI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.35 | ||
| Fwd PE | 15.54 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.71 | ||
| EV/EBITDA | 11.23 |
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
5. Dividend
5.1 Amount
MGI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.
What is the valuation status for MGI stock?
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.
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.
How financially healthy is MONEYGRAM INTERNATIONAL INC?
The financial health rating of MONEYGRAM INTERNATIONAL INC (MGI) is 1 / 10.