International Money Express, Inc.

Consumer Discretionary
Business Services
www.intermexonline.com

Earnings Score
Moat Score
Safety Score

Market Cap $665.94M
PE 11
Debt $138.23M
Cash $156.61M
EV $647.56M
FCF $87.90M

Earnings

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Sales & Net Margins

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Earnings	$60.94M
EBIT	$97.97M
ROE	43%
ROA	20%
FCF	$87.90M
Equity	$141.85M
Growth Stability	100%
PE	10.93
PEG	0.44
PB	4.69
P/FCF	7.58
P/S	1
Price/Cash	0.24
Debt/Equity	0.97
Debt/FCF	1.57
Net Margins	9%
Op. Margins	15%
Earnings CAGR	26%
Sales Growth YoY	-0%
Sales Growth QoQ	0%
Sales CAGR	19%
FCF CAGR	4%
Equity CAGR	56%
Earnings Stability	0.27
Earnings Growth YoY	17%
Earnings Growth QoQ	23%

Earnings CAGR 5Y	25%
Sales CAGR 5Y	20%
FCF CAGR 5Y	10%
Equity CAGR 5Y	20%
Earnings CAGR 3Y	16%
Sales CAGR 3Y	16%
FCF CAGR 3Y	46%
Equity CAGR 3Y	-2%
Market Cap	$665.94M
Revenue	$665.67M
Assets	$480.92M
Total Debt	$138.23M
Cash	$156.61M
Shares Outstanding	31.55M
EV	647.56M
Earnings Score	17%
Moat Score	94%
Safety Score	92%
Final Score	68%
Working Capital	144.95M
Current Ratio	1.8
Shares Growth 3y	-7%
Equity Growth QoQ	-0%
Equity Growth YoY	-10%

Assets & ROA

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Stockholders Equity & ROE

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International Money Express Inc is a processor of money transfer services in the USA to the Latin America corridor (LAC). The company offers services in approximately 50 states and Latin American countries. Computer and telephone-based options are available for convenient wire transfers. The company offers wire transfer, money order, Foreign exchange, and cash checking services, while the majority of the revenue is derived from wire transfer and money order fees. The firm's business is organized around one reportable segment that provides money remittance services primarily between the U.S. and Canada to Mexico, Guatemala, and other countries in Latin America, Africa, and Asia.

SEC Filings

Direct access to International Money Express, Inc. (IMXI) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does International Money Express, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of International Money Express, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 26%

Stability 27%

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International Money Express, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for International Money Express, Inc..

Years

Calculation mode

= $1.1B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$88M	$91M	$95M	$98M	$102M	$106M	$110M	$114M	$118M	$123M	$127M	$1.3B
DCF		$83M	$78M	$74M	$70M	$66M	$62M	$58M	$55M	$52M	$49M	$491M
Value	$1.1B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	01/2017	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-23%	-0%	-3%	6%	9%	10%	10%	9%	9%
ROA	-	0%	6%	16%	20%	20%	16%	17%	20%
ROE	-	-4%	-16%	35%	36%	33%	38%	40%	43%

Net Margins (8.79%)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	01/2017	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-23.85	8.54	2.26	-19.51	1.32	53.95	1.5	1.57
Debt over Equity	-	23.94	2.79	1.86	1.02	0.62	1.08	1.32	0.97
Growth Stability	-	-	-	-	100%	100%	100%	100%	100%

Good Debt/FCF ratio (1.57)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.97)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	01/2017	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	1K%	36%	17%	12%	29%	19%	20%	20%
Earnings YoY growth	-	-94%	4K%	-371%	72%	39%	22%	4%	25%
Equity YoY growth	-	-92%	789%	26%	68%	52%	5%	-1%	20%
FCF YoY growth	-	-160%	-389%	218%	-111%	-1K%	-96%	4K%	10%