International Money Express, Inc.

Consumer Discretionary
Business Services
www.intermexonline.com

Earnings Score
Moat Score
Safety Score

Market Cap $336.88M
PE 6
Debt $147.39M
Cash $151.76M
EV $332.50M
FCF $24.34M

Earnings

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Sales & Net Margins

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Earnings	$54.48M
EBIT	$89.51M
ROE	39%
ROA	18%
FCF	$24.34M
Equity	$139.24M
Growth Stability	100%
PE	6.18
PEG	0.37
PB	2.42
P/FCF	13.84
P/S	0.52
Price/Cash	0.45
Debt/Equity	1.06
Debt/FCF	6.06
Net Margins	5%
Op. Margins	14%
Earnings CAGR	24%
Sales Growth YoY	-4%
Sales Growth QoQ	-12%
Sales CAGR	18%
FCF CAGR	2%
Equity CAGR	50%
Earnings Stability	0.36
Earnings Growth YoY	-36%
Earnings Growth QoQ	-50%

Earnings CAGR 5Y	17%
Sales CAGR 5Y	18%
FCF CAGR 5Y	9%
Equity CAGR 5Y	11%
Earnings CAGR 3Y	11%
Sales CAGR 3Y	11%
FCF CAGR 3Y	250%
Equity CAGR 3Y	-5%
Market Cap	$336.88M
Revenue	$652.55M
Assets	$490.59M
Total Debt	$147.39M
Cash	$151.76M
Shares Outstanding	30.35M
EV	332.5M
Earnings Score	31%
Moat Score	92%
Safety Score	81%
Final Score	68%
Working Capital	139.46M
Current Ratio	1.75
Shares Growth 3y	-8%
Equity Growth QoQ	3%
Equity Growth YoY	1%

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.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 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

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 24%

Stability 36%

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International Money Express, Inc. Discounted Cash Flow

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

Years

Calculation mode

= $283M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$24M	$25M	$25M	$26M	$27M	$27M	$28M	$28M	$29M	$30M	$30M	$303M
DCF		$23M	$21M	$20M	$18M	$17M	$16M	$15M	$14M	$13M	$12M	$117M
Value	$283M

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	12/2024	TTM
Net Margins	-23%	-0%	-3%	6%	9%	10%	10%	9%	9%	5%
ROA	-	0%	6%	16%	20%	20%	16%	17%	21%	18%
ROE	-	-4%	-16%	35%	36%	33%	38%	40%	44%	39%

Bad Net Margins (5.38%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

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	12/2024	TTM
Debt over FCF	-	-23.85	8.54	2.26	-19.51	1.32	53.95	1.5	6.78	6.06
Debt over Equity	-	23.94	2.79	1.86	1.02	0.62	1.08	1.32	1.16	1.06
Growth Stability	-	-	-	-	100%	100%	100%	100%	100%	100%

Bad Debt/FCF ratio (6.06)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Neutral Debt/Equity ratio (1.06)

The company has a balance between equity and debt that is not too good nor too bad.

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	12/2024	CAGR 5Y
Revenue YoY growth	-	1K%	36%	17%	12%	29%	19%	20%	-0%	18%
Earnings YoY growth	-	-94%	4K%	-371%	72%	39%	22%	4%	-1%	17%
Equity YoY growth	-	-92%	789%	26%	68%	52%	5%	-1%	-9%	11%
FCF YoY growth	-	-160%	-389%	218%	-111%	-1K%	-96%	4K%	-82%	9%