International Money Express, Inc.

Consumer Discretionary
Business Services
www.intermexonline.com

Earnings Score
Moat Score
Safety Score

Market Cap $383.54M
PE 7
Debt $156.62M
Cash $130.50M
EV $409.66M
FCF $23.09M

Earnings

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Sales & Net Margins

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Earnings	$58.82M
EBIT	$95.02M
ROE	44%
ROA	21%
FCF	$23.09M
Equity	$134.92M
Growth Stability	100%
PE	6.52
PEG	0.31
PB	2.84
P/FCF	16.61
P/S	0.58
Price/Cash	0.34
Debt/Equity	1.16
Debt/FCF	6.78
Net Margins	9%
Op. Margins	14%
Earnings CAGR	25%
Sales Growth YoY	-4%
Sales Growth QoQ	-4%
Sales CAGR	19%
FCF CAGR	3%
Equity CAGR	53%
Earnings Stability	0.32
Earnings Growth YoY	-12%
Earnings Growth QoQ	-11%

Earnings CAGR 5Y	21%
Sales CAGR 5Y	19%
FCF CAGR 5Y	10%
Equity CAGR 5Y	15%
Earnings CAGR 3Y	14%
Sales CAGR 3Y	14%
FCF CAGR 3Y	70%
Equity CAGR 3Y	-4%
Market Cap	$383.54M
Revenue	$658.65M
Assets	$462.38M
Total Debt	$156.62M
Cash	$130.50M
Shares Outstanding	30.55M
EV	409.66M
Earnings Score	23%
Moat Score	95%
Safety Score	79%
Final Score	66%
Working Capital	145.79M
Current Ratio	1.96
Shares Growth 3y	-8%
Equity Growth QoQ	-5%
Equity Growth YoY	-9%

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-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
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 25%

Stability 32%

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International Money Express, Inc. Discounted Cash Flow

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

Years

Calculation mode

= $282M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$23M	$24M	$24M	$25M	$26M	$27M	$27M	$28M	$29M	$30M	$31M	$308M
DCF		$22M	$20M	$19M	$18M	$17M	$15M	$14M	$14M	$13M	$12M	$119M
Value	$282M

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%	9%
ROA	-	0%	6%	16%	20%	20%	16%	17%	21%	21%
ROE	-	-4%	-16%	35%	36%	33%	38%	40%	44%	44%

Net Margins (8.93%)

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

Bad Debt/FCF ratio (6.78)

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 (1.16)

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%	19%
Earnings YoY growth	-	-94%	4K%	-371%	72%	39%	22%	4%	-1%	21%
Equity YoY growth	-	-92%	789%	26%	68%	52%	5%	-1%	-9%	15%
FCF YoY growth	-	-160%	-389%	218%	-111%	-1K%	-96%	4K%	-82%	10%