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MGI

MoneyGram InternationalNasdaqGS:MGI Stock Report

Market Cap

US$642.4m

7D

-9.8%

1Y

50.5%

Updated

19 Oct, 2021

Data

Company Financials +
MGI fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance0/6
Financial Health2/6
Dividends0/6

MGI Overview

MoneyGram International, Inc., together with its subsidiaries, provides cross-border peer-to-peer payments and money transfer services in the United States and internationally.

MoneyGram International Competitors

Price History & Performance

Summary of all time highs, changes and price drops for MoneyGram International
Historical stock prices
Current Share PriceUS$7.02
52 Week HighUS$4.11
52 Week LowUS$12.36
Beta1.73
1 Month Change-22.43%
3 Month Change-38.90%
1 Year Change50.48%
3 Year Change56.35%
5 Year Change13.59%
Change since IPO-95.50%

Recent News & Updates

Sep 22
Returns Are Gaining Momentum At MoneyGram International (NASDAQ:MGI)

Returns Are Gaining Momentum At MoneyGram International (NASDAQ:MGI)

There are a few key trends to look for if we want to identify the next multi-bagger. One common approach is to try and...

Shareholder Returns

MGIUS ITUS Market
7D-9.8%6.2%4.0%
1Y50.5%24.5%30.5%

Return vs Industry: MGI exceeded the US IT industry which returned 23.1% over the past year.

Return vs Market: MGI exceeded the US Market which returned 30% over the past year.

Price Volatility

Is MGI's price volatile compared to industry and market?
MGI volatility
MGI Beta1.73
Industry Beta1.18
Market Beta1

Stable Share Price: MGI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: MGI's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19402,269Alex Holmeshttps://corporate.moneygram.com

MoneyGram International, Inc., together with its subsidiaries, provides cross-border peer-to-peer payments and money transfer services in the United States and internationally. The company operates through two segments, Global Funds Transfer and Financial Paper Products. The Global Funds Transfer segment offers money transfer services and bill payment services through third-party agents, including retail chains, independent retailers, post offices, banks, and other financial institutions; and digital solutions, such as moneygram.com, mobile solutions, digital partners, wallets, and account deposit services.

MoneyGram International Fundamentals Summary

How do MoneyGram International's earnings and revenue compare to its market cap?
MGI fundamental statistics
Market CapUS$642.37m
Earnings (TTM)-US$8.30m
Revenue (TTM)US$1.29b

0.5x

P/S Ratio

-77.4x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
MGI income statement (TTM)
RevenueUS$1.29b
Cost of RevenueUS$688.70m
Gross ProfitUS$597.20m
ExpensesUS$605.50m
Earnings-US$8.30m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.091
Gross Margin46.44%
Net Profit Margin-0.65%
Debt/Equity Ratio-455.5%

How did MGI perform over the long term?

See historical performance and comparison

Valuation

Is MoneyGram International 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: MGI ($7.02) is trading below our estimate of fair value ($16.48)

Significantly Below Fair Value: MGI is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: MGI is unprofitable, so we can't compare its PE Ratio to the US IT industry average.

PE vs Market: MGI is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MGI's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: MGI has negative assets, so we can't compare its PB Ratio to the US IT industry average.


Future Growth

How is MoneyGram International forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

112.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: MGI is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2%).

Earnings vs Market: MGI is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: MGI's is expected to become profitable in the next 3 years.

Revenue vs Market: MGI's revenue (4.3% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: MGI's revenue (4.3% 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 MGI's Return on Equity is forecast to be high in 3 years time


Past Performance

How has MoneyGram International performed over the past 5 years?

-31.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: MGI is currently unprofitable.

Growing Profit Margin: MGI is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: MGI is unprofitable, and losses have increased over the past 5 years at a rate of 31.9% per year.

Accelerating Growth: Unable to compare MGI's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: MGI is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (28%).


Return on Equity

High ROE: MGI's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Financial Health

How is MoneyGram International's financial position?


Financial Position Analysis

Short Term Liabilities: MGI has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.

Long Term Liabilities: MGI has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.


Debt to Equity History and Analysis

Debt Level: MGI has negative shareholder equity, which is a more serious situation than a high debt level.

Reducing Debt: MGI's has negative shareholder equity, so we do not need to check if its debt has reduced over time.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Whilst unprofitable MGI has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.

Forecast Cash Runway: MGI is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 24.2% per year.


Dividend

What is MoneyGram International current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate MGI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate MGI'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 MGI's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if MGI'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 MGI'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?

5.7yrs

Average management tenure


CEO

Alex Holmes (46 yo)

5.75yrs

Tenure

US$5,978,170

Compensation

Mr. W. Alexander Holmes, also known as Alex, has been Chief Executive Officer of Moneygram International Inc. since January 1, 2016 and Chairman of the Board since February 2, 2018. Mr. Holmes served as th...


CEO Compensation Analysis

Compensation vs Market: Alex's total compensation ($USD5.98M) is above average for companies of similar size in the US market ($USD2.28M).

Compensation vs Earnings: Alex's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: MGI's management team is seasoned and experienced (5.7 years average tenure).


Board Members

Experienced Board: MGI's board of directors are considered experienced (5.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: MGI insiders have sold more shares than they have bought 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 26.3%.


Top Shareholders

Company Information

MoneyGram International, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: MoneyGram International, Inc.
  • Ticker: MGI
  • Exchange: NasdaqGS
  • Founded: 1940
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Market Cap: US$642.372m
  • Shares outstanding: 91.51m
  • Website: https://corporate.moneygram.com

Number of Employees


Location

  • MoneyGram International, Inc.
  • 2828 N. Harwood Street
  • 15th Floor
  • Dallas
  • Texas
  • 75201
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/19 23:44
End of Day Share Price2021/10/19 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.