(IMXI) International Money Express - Overview
Stock: Money Remittance, Payment Cards, Online Payments
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 2.85% |
| Relative Tail Risk | -16.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.01 |
| Alpha | -28.75 |
| Character TTM | |
|---|---|
| Beta | 0.596 |
| Beta Downside | 0.911 |
| Drawdowns 3y | |
|---|---|
| Max DD | 66.92% |
| CAGR/Max DD | -0.19 |
Description: IMXI International Money Express December 31, 2025
International Money Express, Inc. (NASDAQ: IMXI) is an omnichannel money-remittance firm headquartered in Miami, operating through a network of agents, company-run stores, and digital channels across the United States, Latin America, the Caribbean, Africa, and Asia. Since its 1994 founding, the company has expanded its product suite to include online payments, prepaid debit cards, and direct-deposit payroll cards, positioning itself as a full-service provider for cross-border cash transfers.
Industry data shows global remittance flows grew roughly 7 % YoY in 2023, with the U.S.–Mexico corridor remaining the largest single market, accounting for about 30 % of total volume. IMXI’s latest disclosed revenue (FY 2023) was approximately $71 million, with transaction volumes estimated near $2 billion, reflecting a modest but steady market share in a sector where digital adoption is accelerating and regulatory compliance costs are rising. A key driver of future growth is the increasing penetration of mobile wallets in emerging markets, which could boost average ticket size and lower customer acquisition costs.
For a deeper quantitative look, ValueRay’s platform provides granular financial metrics and peer comparisons that can help you assess IMXI’s valuation relative to its peers.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 39.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -12.65 > 1.0 |
| NWC/Revenue: 25.23% < 20% (prev 21.78%; Δ 3.46% < -1%) |
| CFO/TA 0.10 > 3% & CFO 47.6m > Net Income 39.1m |
| Net Debt (29.5m) to EBITDA (88.1m): 0.34 < 3 |
| Current Ratio: 2.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.8m) vs 12m ago -8.91% < -2% |
| Gross Margin: 31.95% > 18% (prev 0.43%; Δ 3152 % > 0.5%) |
| Asset Turnover: 130.3% > 50% (prev 138.4%; Δ -8.13% > 0%) |
| Interest Coverage Ratio: 6.25 > 6 (EBITDA TTM 88.1m / Interest Expense TTM 11.5m) |
Altman Z'' 5.98
| A: 0.33 (Total Current Assets 311.2m - Total Current Liabilities 153.5m) / Total Assets 478.7m |
| B: 0.59 (Retained Earnings 281.2m / Total Assets 478.7m) |
| C: 0.15 (EBIT TTM 72.0m / Avg Total Assets 479.8m) |
| D: 0.85 (Book Value of Equity 281.2m / Total Liabilities 329.0m) |
| Altman-Z'' Score: 5.98 = AAA |
Beneish M -2.70
| DSRI: 1.00 (Receivables 121.1m/128.7m, Revenue 625.1m/665.7m) |
| GMI: 1.36 (GM 31.95% / 43.49%) |
| AQI: 1.09 (AQ_t 0.20 / AQ_t-1 0.18) |
| SGI: 0.94 (Revenue 625.1m / 665.7m) |
| TATA: -0.02 (NI 39.1m - CFO 47.6m) / TA 478.7m) |
| Beneish M-Score: -2.70 (Cap -4..+1) = A |
What is the price of IMXI shares?
Over the past week, the price has changed by +0.58%, over one month by +0.71%, over three months by +3.60% and over the past year by -15.81%.
Is IMXI a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the IMXI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 16 | 2.9% |
| Analysts Target Price | 16 | 2.9% |
| ValueRay Target Price | 15 | -3.5% |
IMXI Fundamental Data Overview February 02, 2026
P/E Forward = 9.6061
P/S = 0.735
P/B = 3.0714
P/EG = 2.2825
Revenue TTM = 625.1m USD
EBIT TTM = 72.0m USD
EBITDA TTM = 88.1m USD
Long Term Debt = 157.9m USD (from longTermDebt, last quarter)
Short Term Debt = 6.21m USD (from shortTermDebt, last quarter)
Debt = 181.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.5m USD (from netDebt column, last quarter)
Enterprise Value = 489.0m USD (459.5m + Debt 181.1m - CCE 151.6m)
Interest Coverage Ratio = 6.25 (Ebit TTM 72.0m / Interest Expense TTM 11.5m)
EV/FCF = 18.15x (Enterprise Value 489.0m / FCF TTM 26.9m)
FCF Yield = 5.51% (FCF TTM 26.9m / Enterprise Value 489.0m)
FCF Margin = 4.31% (FCF TTM 26.9m / Revenue TTM 625.1m)
Net Margin = 6.26% (Net Income TTM 39.1m / Revenue TTM 625.1m)
Gross Margin = 31.95% ((Revenue TTM 625.1m - Cost of Revenue TTM 425.4m) / Revenue TTM)
Gross Margin QoQ = 36.33% (prev 36.54%)
Tobins Q-Ratio = 1.02 (Enterprise Value 489.0m / Total Assets 478.7m)
Interest Expense / Debt = 1.65% (Interest Expense 2.98m / Debt 181.1m)
Taxrate = 34.30% (2.59m / 7.55m)
NOPAT = 47.3m (EBIT 72.0m * (1 - 34.30%))
Current Ratio = 2.03 (Total Current Assets 311.2m / Total Current Liabilities 153.5m)
Debt / Equity = 1.21 (Debt 181.1m / totalStockholderEquity, last quarter 149.7m)
Debt / EBITDA = 0.34 (Net Debt 29.5m / EBITDA 88.1m)
Debt / FCF = 1.10 (Net Debt 29.5m / FCF TTM 26.9m)
Total Stockholder Equity = 141.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.15% (Net Income 39.1m / Total Assets 478.7m)
RoE = 27.64% (Net Income TTM 39.1m / Total Stockholder Equity 141.5m)
RoCE = 24.03% (EBIT 72.0m / Capital Employed (Equity 141.5m + L.T.Debt 157.9m))
RoIC = 16.13% (NOPAT 47.3m / Invested Capital 293.0m)
WACC = 6.12% (E(459.5m)/V(640.6m) * Re(8.11%) + D(181.1m)/V(640.6m) * Rd(1.65%) * (1-Tc(0.34)))
Discount Rate = 8.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.26%
[DCF Debug] Terminal Value 79.60% ; FCFF base≈51.3m ; Y1≈33.7m ; Y5≈15.4m
Fair Price DCF = 14.42 (EV 458.1m - Net Debt 29.5m = Equity 428.6m / Shares 29.7m; r=6.12% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: -18.83 | EPS CAGR: -42.84% | SUE: -4.0 | # QB: 0
Revenue Correlation: 62.14 | Revenue CAGR: 5.40% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.37 | Chg30d=-0.026 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=1.88 | Chg30d=-0.181 | Revisions Net=-1 | Growth EPS=+11.3% | Growth Revenue=+1.7%