International Money Express
Market Cap
US$622.4m
Last Updated
2021/08/03 23:33 UTC
Data Sources
Company Financials +
Executive Summary
International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. More Details
Rewards
Risk Analysis
Snowflake Analysis
Good value with proven track record.
Similar Companies
Share Price & News
How has International Money Express's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: IMXI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: IMXI's weekly volatility (4%) has been stable over the past year.
Market Performance
7 Day Return
1.0%
IMXI
-2.8%
US IT
0.9%
US Market
1 Year Return
12.0%
IMXI
26.5%
US IT
34.7%
US Market
Return vs Industry: IMXI underperformed the US IT industry which returned 27.5% over the past year.
Return vs Market: IMXI underperformed the US Market which returned 34.4% over the past year.
Shareholder returns
| IMXI | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.0% | -2.8% | 0.9% |
| 30 Day | 2.2% | -0.02% | 0.2% |
| 90 Day | 7.7% | 5.7% | 4.7% |
| 1 Year | 12.0%12.0% | 27.6%26.5% | 36.8%34.7% |
| 3 Year | 63.4%63.4% | 95.1%88.7% | 62.5%52.4% |
| 5 Year | n/a | 215.6%193.8% | 123.1%98.4% |
Long-Term Price Volatility Vs. Market
How volatile is International Money Express's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
Can You Imagine How International Money Express' (NASDAQ:IMXI) Shareholders Feel About The 23% Share Price Increase?2 months ago | Simply Wall St
We Think International Money Express (NASDAQ:IMXI) Is Taking Some Risk With Its Debt3 months ago | Simply Wall St
Read This Before Buying International Money Express, Inc. (NASDAQ:IMXI) SharesValuation
Is International Money Express undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: IMXI ($15.9) is trading below our estimate of fair value ($40.78)
Significantly Below Fair Value: IMXI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: IMXI is good value based on its PE Ratio (16.3x) compared to the US IT industry average (34.8x).
PE vs Market: IMXI is good value based on its PE Ratio (16.3x) compared to the US market (17.9x).
Price to Earnings Growth Ratio
PEG Ratio: IMXI is poor value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: IMXI is overvalued based on its PB Ratio (5.8x) compared to the US IT industry average (5.1x).
Future Growth
How is International Money Express forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
16.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: IMXI's forecast earnings growth (16% per year) is above the savings rate (2%).
Earnings vs Market: IMXI's earnings (16% per year) are forecast to grow faster than the US market (15% per year).
High Growth Earnings: IMXI's earnings are forecast to grow, but not significantly.
Revenue vs Market: IMXI's revenue (14.5% per year) is forecast to grow faster than the US market (9.2% per year).
High Growth Revenue: IMXI's revenue (14.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if IMXI's Return on Equity is forecast to be high in 3 years time
Past Performance
How has International Money Express performed over the past 5 years?
70.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IMXI has a high level of non-cash earnings.
Growing Profit Margin: IMXI's current net profit margins (11.4%) are higher than last year (7.8%).
Past Earnings Growth Analysis
Earnings Trend: IMXI's earnings have grown significantly by 70% per year over the past 5 years.
Accelerating Growth: IMXI's earnings growth over the past year (67.4%) is below its 5-year average (70% per year).
Earnings vs Industry: IMXI earnings growth over the past year (67.4%) exceeded the IT industry 19.3%.
Return on Equity
High ROE: IMXI's Return on Equity (35.1%) is considered high.
Financial Health
How is International Money Express's financial position?
Financial Position Analysis
Short Term Liabilities: IMXI's short term assets ($214.6M) exceed its short term liabilities ($87.5M).
Long Term Liabilities: IMXI's short term assets ($214.6M) exceed its long term liabilities ($93.7M).
Debt to Equity History and Analysis
Debt Level: IMXI's debt to equity ratio (95.5%) is considered high.
Reducing Debt: Insufficient data to determine if IMXI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: IMXI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: IMXI's interest payments on its debt are not well covered by EBIT (1.1x coverage).
Balance Sheet
Dividend
What is International Money Express's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate IMXI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate IMXI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if IMXI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if IMXI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of IMXI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
0.7yrs
Average management tenure
CEO
Bob Lisy (63 yo)
no data
Tenure
US$1,305,197
Compensation
Mr. Robert Lisy, also known as Bob, serves as the Chairman, Chief Executive Officer and President of International Money Express, Inc. (formerly known as Intermex Wire Transfer, LLC.) Mr. Lisy serves as th...
CEO Compensation Analysis
Compensation vs Market: Bob's total compensation ($USD1.31M) is below average for companies of similar size in the US market ($USD2.42M).
Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: IMXI's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.
Board Members
Experienced Board: IMXI's board of directors are considered experienced (3.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.9%.
Top Shareholders
Company Information
International Money Express, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: International Money Express, Inc.
- Ticker: IMXI
- Exchange: NasdaqCM
- Founded: NaN
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: US$622.375m
- Shares outstanding: 39.14m
- Website: https://www.intermexonline.com
Number of Employees
Location
- International Money Express, Inc.
- 9480 South Dixie Highway
- Miami
- Florida
- 33156
- United States
Listings
Biography
International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean....
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/08/03 23:33 |
| End of Day Share Price | 2021/08/03 00:00 |
| Earnings | 2021/03/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.