A Business at a Glance
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International Money Express, Inc.
IMXI
$428M
Mkt Cap
$13.03
-2.18%
International Money Express, Inc. (IMXI) has a current P/E ratio of 10.2, compared to its historical median P/E of 14.7. The stock is currently considered Cheap based on its historical valuation range.
International Money Express, Inc. (IMXI) has a 5-year average return on invested capital (ROIC) of 20.9%. This indicates strong capital allocation and a potential competitive advantage.
International Money Express, Inc. (IMXI) has a market capitalization of $387M. It is classified as a small-cap stock.
International Money Express, Inc. (IMXI) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 19.40%.
Based on historical P/E analysis, International Money Express, Inc. (IMXI) appears cheap. The current P/E of 10.2 is 31% below its historical median of 14.7. The estimated fair value CAGR (P/E method) is 24.4%.
International Money Express, Inc. (IMXI) operates in the Services-Business Services, Nec industry, within the Industrials sector.
International Money Express, Inc. (the “Company” or “Intermex”) is a leading omnichannel money remittance services company focused primarily on the United States of America (“United States” or “U.S.”) to Latin America and the Caribbean (“LAC”) corridor, which includes Mexico, Central and South America and the Caribbean. We also provide our remittance services to Africa and Asia from the United States and offer sending services from Canada to Latin America and Africa. Also, through recent acquisitions we now provide remittance services from Spain, Italy, the United Kingdom and Germany to Africa, Asia and Latin America. We utilize our proprietary technology to deliver convenient, reliable and value-added services to consumers through a broad network of sending and paying agents. Our remittance services, which include a comprehensive suite of ancillary financial processing solutions and payment services, are available in all 50 states in the U.S., Washington D.C.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 625M | 659M | 659M | 547M | 459M | 357M |
| Net Income | 39M | 59M | 60M | 57M | 47M | 34M |
| EPS | $1.28 | $1.79 | $1.63 | $1.48 | $1.20 | $0.88 |
| Free Cash Flow | 27M | 23M | 131M | 3.0M | 68M | -4.9M |
| ROIC | 15.3% | 21.3% | 19.8% | 20.2% | 22.2% | 21.2% |
| Gross Margin | - | 89.6% | 89.3% | 90.4% | 90.6% | 90.8% |
| Debt/Equity | 1.06 | 1.16 | 1.26 | 1.04 | 0.58 | 0.93 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 69M | 95M | 95M | 83M | 68M | 53M |
| Operating Margin | 11.0% | 14.4% | 14.5% | 15.2% | 14.8% | 14.8% |
| ROE | 26.1% | 41.4% | 39.9% | 38.2% | 32.7% | 35.8% |
| Shares Outstanding | 30M | 33M | 37M | 39M | 39M | 38M |
| Metric | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 201M | 274M | 320M | 357M | 459M | 547M | 659M | 659M | 625M |
| Gross Margin | 88.4% | 88.0% | 90.4% | 90.8% | 90.6% | 90.4% | 89.3% | 89.6% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 1.8M | 13M | 36M | 53M | 68M | 83M | 95M | 95M | 69M |
| Op. Margin | 0.9% | 4.8% | 11.4% | 14.8% | 14.8% | 15.2% | 14.5% | 14.4% | 11.0% |
| Net Income | -10M | -7.2M | 20M | 34M | 47M | 57M | 60M | 59M | 39M |
| Net Margin | -5.1% | -2.6% | 6.1% | 9.5% | 10.2% | 10.5% | 9.0% | 8.9% | 6.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 1.2M | 3.1M | 3.1M |
| Returns on Capital | |||||||||
| ROIC | 1.2% | 8.1% | 17.0% | 21.2% | 22.2% | 20.2% | 19.8% | 21.3% | 15.3% |
| ROE | -28.3% | -16.3% | 35.0% | 35.8% | 32.7% | 38.2% | 39.9% | 41.4% | 26.1% |
| ROA | -4.7% | -3.2% | 8.6% | 13.0% | 13.8% | 11.2% | 10.3% | 11.3% | 8.2% |
| Cash Flow | |||||||||
| Op. Cash Flow | 7.4M | 20M | 53M | -880K | 78M | 15M | 144M | 53M | 48M |
| Free Cash Flow | 3.1M | 15M | 46M | -4.9M | 68M | 3.0M | 131M | 23M | 27M |
| Owner Earnings | -11M | -1.7M | 37M | -15M | 64M | -1.4M | 123M | 32M | 27M |
| CapEx | 4.4M | 5.3M | 6.5M | 4.1M | 11M | 12M | 13M | 30M | 21M |
| Maint. CapEx | 17M | 16M | 13M | 11M | 9.5M | 9.5M | 13M | 14M | 14M |
| Growth CapEx | 0 | 0 | 0 | 0 | 1.1M | 2.7M | 0 | 16M | 7.0M |
| D&A | 17M | 16M | 13M | 11M | 9.5M | 9.5M | 13M | 14M | 14M |
| CapEx/OCF | 58.7% | 26.9% | 12.3% | N/A | 13.6% | 80.2% | 8.9% | 56.5% | 43.4% |
| Capital Allocation | |||||||||
| Dividends Paid | 20M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 11.9% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 5.6M | 54M | 66M | 75M | 75M |
| Buyback Yield | N/A | N/A | N/A | N/A | 0.9% | 5.9% | 8.2% | 11.1% | 19.4% |
| Stock-Based Comp | 1.8M | 5.8M | 2.6M | 3.2M | 4.6M | 7.1M | 8.1M | 7.0M | 7.0M |
| Debt Repayment | 76M | 3.5M | 240K | 0 | 2.9M | 50K | 751K | 3.1M | 3.1M |
| Balance Sheet | |||||||||
| Net Debt | 112M | 117M | 95M | 88M | 83M | 155M | 188M | 157M | 158M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | 108M | 113M | 88M | 81M | 79M | 150M | 181M | 157M | 157M |
| Debt/Equity | 3.12 | 2.64 | 1.69 | 0.93 | 0.58 | 1.04 | 1.26 | 1.16 | 1.06 |
| Interest Coverage | 0.2 | 0.7 | 4.3 | 8.1 | 15.0 | 14.7 | 9.2 | 8.1 | 8.1 |
| Equity | 36M | 44M | 56M | 94M | 143M | 150M | 149M | 135M | 150M |
| Total Assets | 217M | 226M | 227M | 259M | 341M | 512M | 577M | 462M | 479M |
| Total Liabilities | 181M | 181M | 171M | 165M | 197M | 362M | 428M | 327M | 42M |
| Intangibles | 85M | 73M | 64M | 57M | 52M | 70M | 72M | 82M | 82M |
| Retained Earnings | -10M | -17M | 1.2M | 35M | 82M | 139M | 199M | 257M | 257M |
| Working Capital | 46M | 71M | 65M | 103M | 147M | 198M | 210M | 146M | 146M |
| Current Assets | 119M | 139M | 148M | 187M | 264M | 382M | 433M | 298M | 298M |
| Current Liabilities | 73M | 68M | 84M | 84M | 117M | 185M | 223M | 152M | 152M |
| Per Share Data | |||||||||
| EPS | -0.59 | -0.28 | 0.52 | 0.88 | 1.20 | 1.48 | 1.63 | 1.79 | 1.28 |
| Owner EPS | -0.64 | -0.06 | 0.99 | -0.39 | 1.64 | -0.04 | 3.36 | 0.99 | 0.91 |
| Book Value | 2.08 | 1.72 | 1.48 | 2.46 | 3.66 | 3.87 | 4.08 | 4.11 | 5.04 |
| Cash Flow/Share | 0.43 | 0.77 | 1.39 | -0.02 | 2.00 | 0.39 | 3.93 | 1.62 | 1.78 |
| Dividends/Share | 1.17 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 17.2M | 25.9M | 37.7M | 38.4M | 39.0M | 38.7M | 36.5M | 32.9M | 29.7M |
| Valuation | |||||||||
| P/E Ratio | N/A | N/A | 23.1 | 17.8 | 13.3 | 15.8 | 13.6 | 11.5 | 10.2 |
| P/FCF | 55.8 | 21.4 | 9.8 | N/A | 9.2 | 302.6 | 6.2 | 29.4 | 14.4 |
| EV/EBIT | 156.5 | 32.8 | 15.0 | 13.0 | 10.4 | 12.8 | 10.5 | 8.8 | 7.9 |
| Price/Book | 4.8 | 7.0 | 8.1 | 6.4 | 4.4 | 6.1 | 5.4 | 5.0 | 2.6 |
| Price/Sales | 0.8 | 1.0 | 1.5 | 1.4 | 1.3 | 1.5 | 1.2 | 1.0 | 0.6 |
| FCF Yield | 1.8% | 4.7% | 10.2% | -0.8% | 10.8% | 0.3% | 16.1% | 3.4% | 7.0% |
| Market Cap | 171M | 311M | 452M | 601M | 624M | 908M | 810M | 678M | 387M |
| Avg. Price | 9.80 | 10.49 | 12.94 | 12.84 | 15.85 | 20.85 | 22.03 | 20.18 | 13.03 |
| Year-End Price | 9.92 | 12.02 | 11.99 | 15.66 | 15.98 | 23.44 | 22.19 | 20.64 | 13.03 |
International Money Express, Inc. passes 9 of 9 quality checks, indicating strong fundamentals.
International Money Express, Inc. trades at 10.2x trailing earnings, compared to its 15-year median P/E of 14.7x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 14.4x vs a median of 15.6x. The company's 5-year average ROIC is 20.9% with a gross margin of 90.2%. Total shareholder yield (buybacks) is 19.4%. At current prices, the estimated annualized return to fair value is +30.9%.
International Money Express, Inc. (IMXI) reported annual revenue of $659 million in its most recent fiscal year, based on SEC EDGAR filings.
International Money Express, Inc. (IMXI) has a net profit margin of 8.9%. This is a modest margin.
International Money Express, Inc. (IMXI) generated $23 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
International Money Express, Inc. (IMXI) has a debt-to-equity ratio of 1.16. This indicates moderate leverage.
International Money Express, Inc. (IMXI) reported earnings per share (EPS) of $1.79 in its most recent fiscal year.
International Money Express, Inc. (IMXI) has a return on equity (ROE) of 41.4%. This indicates the company generates strong returns for shareholders.
International Money Express, Inc. (IMXI) has a 5-year average gross margin of 90.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 8 years of financial data for International Money Express, Inc. (IMXI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
International Money Express, Inc. (IMXI) has a book value per share of $4.11, based on its most recent annual SEC filing.