IMXI Stock Analysis: International Money Express | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 351m USD | 12M Return: 0.1% | US46005L1017 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.07M
EPS Trend: -62.8%
Qual. Beats: -2
Rev. Trend: -79.4%
Qual. Beats: -7
Warnings
Tailwinds
Seasonality 9.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
International Money Express, Inc. (IMXI) is an omnichannel money remittance services company operating across the United States, Latin America (including Mexico), Central and South America, the Caribbean, Africa, and Asia. The money remittance industry facilitates cross-border fund transfers, most often from migrant workers to recipients in their countries of origin, and is heavily regulated with compliance and foreign exchange margins being central to the business model.
The company provides core remittance services along with ancillary financial processing and payment solutions, including online payment options, pre-paid debit cards, and direct deposit payroll cards. Its distribution combines third-party sending and paying agents, company-operated retail stores, and digital channels such as online and mobile platforms.
Founded in 1994 and headquartered in Miami, Florida, IMXI is classified under the GICS Data Processing & Outsourced Services sub-industry within the Industrials sector and trades on NASDAQ as a small-cap stock following its 2017 IPO.
- US-to-Mexico remittance volumes drive core transaction revenue
- Digital channel expansion pressures agent store margins and fees
- Competition from Remitly and Western Union pressures market share
| Net Income: 18.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -14.61 > 1.0 |
| NWC/Revenue: 30.95% < 20% (prev 21.13%; Δ 9.82% < -1%) |
| CFO/TA 0.07 > 3% & CFO 31.1m > Net Income 18.6m |
| Net Debt (87.3m) to EBITDA (56.4m): 1.55 < 3 |
| Current Ratio: 1.96 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.6m) vs 12m ago 2.33% < -2% |
| Gross Margin: 14.42% > 18% (prev 46.43%; Δ -32.01% > 0.5%) |
| Asset Turnover: 93.41% > 50% (prev 124.0%; Δ -30.55% > 0%) |
| Interest Coverage Ratio: 3.58 > 6 (EBIT TTM 37.8m / Interest Expense TTM 10.6m) |
| A: 0.31 (Total Current Assets 285.7m - Total Current Liabilities 145.8m) / Total Assets 449.6m |
| B: 0.66 (Retained Earnings 294.9m / Total Assets 449.6m) |
| C: 0.08 (EBIT TTM 37.8m / Avg Total Assets 483.8m) |
| D: 1.26 (Book Value of Equity 169.6m / Total Liabilities 134.3m) |
| Altman-Z'' = 6.03 = AAA |
| DSRI: 0.99 (Receivables 99.7m/143.3m, Revenue 452.0m/642.1m) |
| GMI: 3.22 (GM 46.43% / 14.42%) |
| AQI: 1.24 (AQ_t 0.23 / AQ_t-1 0.19) |
| SGI: 0.70 (Revenue 452.0m / 642.1m) |
| TATA: -0.03 (NI 18.6m - CFO 31.1m) / TA 449.6m) |
| Beneish M = -1.10 (Cap -4..+1) = D |
As of August 15, 2026, the stock is trading at USD 14.59 with a total of 5,170,469 shares traded. Over the past week, the price has changed by +19.69%, over one month by +5.27%, over three months by -4.20% and over the past year by +0.07%.
Current recommended Stop Loss: 14.00 (which is 4% or 1.2 ATR below the current price).
International Money Express has received a consensus analysts rating of 3.25. Therefore, it is recommended to hold IMXI.
- StrongBuy: 1
- Buy: 0
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16 | 9.7% |
P/E Trailing = 13.6824
P/E Forward = 9.8039
P/S = 0.6104
P/B = 2.1864
P/EG = 2.2825
Revenue TTM = 452.0m USD
EBIT TTM = 37.8m USD
EBITDA TTM = 56.4m USD
Long Term Debt = 194.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 6.21m USD (from shortTermDebt, last fiscal year)
Debt = 238.0m USD (from shortLongTermDebtTotal, last fiscal year) + Leases 21.5m
Net Debt = 87.3m USD (calculated: Debt 238.0m - CCE 150.6m)
Enterprise Value = 438.7m USD (351.4m + Debt 238.0m - CCE 150.6m)
Interest Coverage Ratio = 3.58 (Ebit TTM 37.8m / Interest Expense TTM 10.6m)
EV/FCF = 49.62x (Enterprise Value 438.7m / FCF TTM 8.84m)
FCF Yield = 2.02% (FCF TTM 8.84m / Enterprise Value 438.7m)
FCF Margin = 1.96% (FCF TTM 8.84m / Revenue TTM 452.0m)
Net Margin = 4.12% (Net Income TTM 18.6m / Revenue TTM 452.0m)
Gross Margin = 14.42% ((Revenue TTM 452.0m - Cost of Revenue TTM 386.8m) / Revenue TTM)
Gross Margin QoQ = 86.75% (prev 2.81%)
Tobins Q-Ratio = 0.98 (Enterprise Value 438.7m / Total Assets 449.6m)
Interest Expense / Debt = 4.44% (Interest Expense 10.6m / Debt 238.0m)
Taxrate = 31.71% (8.64m / 27.3m)
NOPAT = 25.8m (EBIT 37.8m * (1 - 31.71%))
Current Ratio = 1.96 (Total Current Assets 285.7m / Total Current Liabilities 145.8m)
Debt / Equity = 1.40 (Debt 238.0m / totalStockholderEquity, last quarter 169.6m)
Debt / EBITDA = 1.55 (Net Debt 87.3m / EBITDA 56.4m)
Debt / FCF = 9.88 (Net Debt 87.3m / FCF TTM 8.84m)
Total Stockholder Equity = 160.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.85% (Net Income 18.6m / Total Assets 449.6m)
RoE = 11.58% (Net Income TTM 18.6m / Total Stockholder Equity 160.7m)
RoCE = 10.64% (EBIT 37.8m / Capital Employed (Equity 160.7m + L.T.Debt 194.8m))
RoIC = 8.99% (NOPAT 25.8m / Invested Capital 287.4m)
WACC = 7.09% (E(351.4m)/V(589.3m) * Re(9.83%) + D(238.0m)/V(589.3m) * Rd(4.44%) * (1-Tc(0.32)))
Discount Rate = 9.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.59 | Cagr: -4.80%
[DCF] Terminal Value 73.10% ; FCFF base≈39.7m ; Y1≈34.8m ; Y5≈28.1m
[DCF] Fair Price = 12.04 (EV 451.0m - Net Debt 87.3m = Equity 363.6m / Shares 30.2m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -62.76 | EPS CAGR: -12.92% | SUE: -3.94 | # QB: -2
Revenue Correlation: -79.43 | Revenue CAGR: -11.58% | SUE: -1.05 | # QB: -7
EPS current Quarter (2026-09-30): EPS=0.30 | Chg30d=+48.90% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=1.16 | Chg30d=+29.54% | Revisions=+0% | GrowthEPS=-30.1% | GrowthRev=-8.7%
EPS next Year (2027-12-31): EPS=1.52 | Chg30d=-5.41% | Revisions=-40% | GrowthEPS=+30.6% | GrowthRev=+0.4%
[Analyst] Revisions Ratio: -40% (up=0, down=2)