International Money Express, Inc. (IMXI) 10-Year Financial Performance & Capital Metrics

IMXI • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceFinancial Infrastructure & Billing

AboutInternational 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. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.Show more

Revenue $659M
EBITDA $109M +0.3%
Net Income $59M -1.2%
EPS (Diluted) 1.79 +9.8%
Gross Margin 89.64% +165.4%
EBITDA Margin 16.5% +0.3%
Operating Margin 14.43% -0.5%
Net Margin 8.93% -1.2%
ROE 41.43% +4.0%
ROIC 45.71% -1.1%
Debt/Equity 1.35 -7.0%
Interest Coverage 8.09 -11.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 40.1%
✓Strong 5Y profit CAGR of 24.6%
✓Strong Piotroski F-Score: 7/9
✓Strong 5Y sales CAGR of 15.6%
✓Share count reduced 9.8% through buybacks
✓Efficient asset utilization: 1.4x turnover

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y15.56%

3Y12.78%

TTM-6.09%

Profit (Net Income) CAGR

10Y-

5Y24.57%

3Y7.89%

TTM-35.79%

EPS CAGR

10Y-

5Y28.05%

3Y14.26%

TTM-28.49%

ROCE

10Y Avg6242%

5Y Avg30.78%

3Y Avg28.93%

Latest28.63%

Peer Comparison

Financial Infrastructure & Billing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MQMarqeta, Inc.	1.8B	4.41	83.84	-25.02%	-6.74%	-4.72%	3.1%	0.01
PAYSPaySign, Inc.	259.8M	4.72	68.80	23.5%	10.1%	16.53%	5.18%	0.10
CSGSCSG Systems International, Inc.	2.27B	79.48	26.23	2.39%	6.85%	28.79%	5%	2.03
CPAYCorpay, Inc.	23.14B	330.77	23.68	5.77%	24.37%	25.52%	7.63%	2.54
PAYOPayoneer Global Inc.	1.92B	5.40	17.42	17.64%	6.96%	9.64%	6.05%	0.03
IMXIInternational Money Express, Inc.	460.64M	15.50	8.66	-0.01%	6.26%	26.14%	5.01%	1.35
ATCHAtlasClear Holdings, Inc.	38.17M	0.26	-0.69	171.31%	-44.2%	-79.32%	4.12%
LSAKLesaka Technologies, Inc.	392.68M	4.67	-4.10	16.92%	-11.78%	-32.78%		0.90

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	124.2M	165.4M	201.04M	273.9M	319.6M	357.21M	459.21M	546.8M	658.74M	658.65M
Revenue Growth %	-	0.33%	0.22%	0.36%	0.17%	0.12%	0.29%	0.19%	0.2%	-0%
Cost of Goods Sold+	81.75M	108.08M	135.46M	182.47M	212.67M	238.6M	307.46M	364.8M	436.26M	68.25M
COGS % of Revenue	0.66%	0.65%	0.67%	0.67%	0.67%	0.67%	0.67%	0.67%	0.66%	0.1%
Gross Profit+	42.45M	57.32M	65.58M	91.43M	106.93M	118.61M	151.75M	182M	222.47M	590.4M
Gross Margin %	0.34%	0.35%	0.33%	0.33%	0.33%	0.33%	0.33%	0.33%	0.34%	0.9%
Gross Profit Growth %	-	0.35%	0.14%	0.39%	0.17%	0.11%	0.28%	0.2%	0.22%	1.65%
Operating Expenses+	28.27M	34.3M	63.77M	78.36M	70.49M	65.75M	83.9M	99.09M	126.98M	495.39M
OpEx % of Revenue	0.23%	0.21%	0.32%	0.29%	0.22%	0.18%	0.18%	0.18%	0.19%	0.75%
Selling, General & Admin	24.21M	30.06M	38.16M	62.69M	57.8M	52.92M	70.8M	89.62M	119.07M	47.89M
SG&A % of Revenue	0.19%	0.18%	0.19%	0.23%	0.18%	0.15%	0.15%	0.16%	0.18%	0.07%
Research & Development	0	0	0	0	0	0	1M	0	0	0
R&D % of Revenue	-	-	-	-	-	-	0%	-	-	-
Other Operating Expenses	2.45M	2.53M	16.64M	15.67M	12.69M	12.83M	12.1M	9.47M	7.91M	447.49M
Operating Income+	14.18M	23.02M	1.81M	13.07M	36.44M	52.87M	67.85M	82.91M	95.49M	95.02M
Operating Margin %	0.11%	0.14%	0.01%	0.05%	0.11%	0.15%	0.15%	0.15%	0.14%	0.14%
Operating Income Growth %	-	0.62%	-0.92%	6.23%	1.79%	0.45%	0.28%	0.22%	0.15%	-0%
EBITDA+	16.64M	25.55M	18.84M	28.74M	49.13M	63.7M	77.34M	92.38M	108.36M	108.66M
EBITDA Margin %	0.13%	0.15%	0.09%	0.1%	0.15%	0.18%	0.17%	0.17%	0.16%	0.16%
EBITDA Growth %	-	0.54%	-0.26%	0.53%	0.71%	0.3%	0.21%	0.19%	0.17%	0%
D&A (Non-Cash Add-back)	2.45M	2.53M	17.03M	15.67M	12.69M	10.83M	9.49M	9.47M	12.87M	13.64M
EBIT	14.18M	23.02M	-3.1M	13.07M	36.44M	52.87M	67.85M	82.91M	95.49M	95.02M
Net Interest Income+	-4.23M	-9.54M	-11.45M	-18.45M	-8.51M	-6.57M	-4.54M	-5.63M	-10.43M	-11.74M
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	4.23M	9.54M	11.45M	18.45M	8.51M	6.57M	4.54M	5.63M	10.43M	11.74M
Other Income/Expense	-4.23M	-9.54M	-16.97M	-18.45M	-8.51M	-6.57M	-4.54M	-5.63M	-10.43M	-11.74M
Pretax Income+	9.95M	13.48M	-9.64M	-5.38M	27.93M	46.3M	63.31M	77.28M	85.06M	83.27M
Pretax Margin %	0.08%	0.08%	-0.05%	-0.02%	0.09%	0.13%	0.14%	0.14%	0.13%	0.13%
Income Tax+	4.19M	4.08M	534.4K	1.87M	8.32M	12.52M	16.47M	19.95M	25.55M	24.45M
Effective Tax Rate %	0.58%	0.7%	1.06%	1.35%	0.7%	0.73%	0.74%	0.74%	0.7%	0.71%
Net Income+	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Net Margin %	0.05%	0.06%	-0.05%	-0.03%	0.06%	0.09%	0.1%	0.1%	0.09%	0.09%
Net Income Growth %	-	0.63%	-2.08%	0.29%	3.71%	0.72%	0.39%	0.22%	0.04%	-0.01%
Net Income (Continuing)	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	0.16	0.26	-0.28	-0.28	0.52	0.88	1.20	1.48	1.63	1.79
EPS Growth %	-	0.63%	-2.08%	0%	2.86%	0.69%	0.36%	0.23%	0.1%	0.1%
EPS (Basic)	0.16	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81
Diluted Shares Outstanding	36.18M	36.18M	36.18M	25.48M	37.59M	38.36M	39.1M	38.63M	36.43M	32.85M
Basic Shares Outstanding	36.18M	36.18M	36.18M	25.48M	37.43M	38.06M	38.47M	37.73M	35.6M	32.43M
Dividend Payout Ratio	3.15%	0.14%	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	0	77.14M	119.11M	138.65M	148.23M	186.73M	263.55M	382.44M	432.87M	297.78M
Cash & Short-Term Investments	0	37.6M	59.16M	73.03M	86.12M	74.91M	132.47M	149.49M	239.2M	130.5M
Cash Only	0	37.6M	59.16M	73.03M	86.12M	74.91M	132.47M	149.49M	239.2M	130.5M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	0	27.77M	51.37M	35.8M	39.75M	55.48M	68.05M	131.12M	156.75M	109.16M
Days Sales Outstanding	-	61.28	93.27	47.7	45.4	56.69	54.09	87.52	86.85	60.49
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	0	11.59M	7.97M	27.11M	19.32M	218K	1.02M	4.73M	2.61M	1.88M
Total Non-Current Assets+	25K	41.63M	96.95M	87.19M	79.08M	72.75M	76.99M	129.64M	143.94M	164.59M
Property, Plant & Equipment	0	6.25M	8.49M	10.39M	13.28M	13.02M	17.91M	52.93M	53.76M	68.86M
Fixed Asset Turnover	-	26.48x	23.68x	26.35x	24.06x	27.43x	25.65x	10.33x	12.25x	9.56x
Goodwill	0	0	36.26M	36.26M	36.26M	36.26M	36.26M	49.77M	53.99M	55.2M
Intangible Assets	0	6.35M	48.74M	36.4M	27.38M	20.43M	15.39M	19.83M	18.14M	26.85M
Long-Term Investments	25K	0	0	309K	191K	521K	0	0	2.9M	2.2M
Other Non-Current Assets	0	1.22M	1.71M	1.56M	1.22M	3.04M	7.43M	7.11M	15.16M	11.49M
Total Assets+	25K	118.77M	216.05M	225.84M	227.31M	259.47M	340.54M	512.07M	576.81M	462.38M
Asset Turnover	4967.97x	1.39x	0.93x	1.21x	1.41x	1.38x	1.35x	1.07x	1.14x	1.42x
Asset Growth %	-	4749.96%	0.82%	0.05%	0.01%	0.14%	0.31%	0.5%	0.13%	-0.2%
Total Current Liabilities+	2.19K	38.33M	72.62M	68.04M	83.72M	83.94M	116.86M	184.77M	223.37M	152M
Accounts Payable	0	5.88M	8.92M	11.44M	13.4M	12.77M	23.15M	25.69M	36.51M	19.52M
Days Payables Outstanding	-	19.86	24.04	22.88	23	19.54	27.48	25.7	30.54	104.4
Short-Term Debt	300	849.81K	3.91M	3.94M	7.04M	7.04M	3.88M	4.97M	7.16M	0
Deferred Revenue (Current)	0	1000K	1000K	745K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	1.89K	25.17M	49.12M	37.24M	56.06M	57.14M	0	1.32M	2M	105.53M
Current Ratio	-	2.01x	1.64x	2.04x	1.77x	2.22x	2.26x	2.07x	1.94x	1.96x
Quick Ratio	-	2.01x	1.64x	2.04x	1.77x	2.22x	2.26x	2.07x	1.94x	1.96x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	0	77.18M	107.53M	113.33M	87.62M	81.27M	80.64M	177.4M	204.4M	175.46M
Long-Term Debt	0	77.18M	108.05M	113.33M	87.62M	80.58M	79.21M	150.24M	181.07M	156.62M
Capital Lease Obligations	0	0	0	0	0	0	0	23.27M	22.67M	18.58M
Deferred Tax Liabilities	0	0	0	8.9M	8.63M	692K	1.43M	3.89M	659K	250K
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0
Total Liabilities	2.19K	115.52M	180.15M	181.37M	171.34M	165.21M	197.5M	362.17M	427.77M	327.45M
Total Debt+	300	78.03M	111.44M	117.26M	94.67M	87.62M	83.09M	183.74M	215.86M	181.67M
Net Debt	300	40.43M	52.28M	44.23M	8.55M	12.72M	-49.38M	34.25M	-23.34M	51.17M
Debt / Equity	0.01x	23.95x	3.10x	2.64x	1.69x	0.93x	0.58x	1.23x	1.45x	1.35x
Debt / EBITDA	0.00x	3.05x	5.92x	4.08x	1.93x	1.38x	1.07x	1.99x	1.99x	1.67x
Net Debt / EBITDA	0.00x	1.58x	2.78x	1.54x	0.17x	0.20x	-0.64x	0.37x	-0.22x	0.47x
Interest Coverage	3.35x	2.41x	0.16x	0.71x	4.28x	8.05x	14.96x	14.73x	9.16x	8.09x
Total Equity+	22.81K	3.26M	35.9M	44.47M	55.97M	94.26M	143.04M	149.91M	149.04M	134.92M
Equity Growth %	-	141.84%	10.02%	0.24%	0.26%	0.68%	0.52%	0.05%	-0.01%	-0.09%
Book Value per Share	0.00	0.09	0.99	1.75	1.49	2.46	3.66	3.88	4.09	4.11
Total Shareholders' Equity	22.81K	3.26M	35.9M	44.47M	55.97M	94.26M	143.04M	149.91M	149.04M	134.92M
Common Stock	530	818.79K	161.13M	4K	4K	4K	4K	4K	4K	4K
Retained Earnings	-2.19K	-67.55M	-10.17M	-17.42M	1.18M	34.96M	81.8M	139.13M	198.65M	257.47M
Treasury Stock	0	0	0	0	0	0	-5.57M	-59.3M	-125.56M	-200.7M
Accumulated OCI	0	-20.27K	-2.37K	-2K	93K	-13K	-76K	-142K	262K	-1.45M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	4.47M	22.4M	7.42M	19.84M	52.53M	-880K	78.1M	15.17M	143.53M	53.09M
Operating CF Margin %	0.04%	0.14%	0.04%	0.07%	0.16%	-0%	0.17%	0.03%	0.22%	0.08%
Operating CF Growth %	-	4.02%	-0.67%	1.67%	1.65%	-1.02%	89.75%	-0.81%	8.46%	-0.63%
Net Income	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Depreciation & Amortization	2.45M	2.53M	16.64M	15.67M	12.69M	10.83M	9.49M	9.47M	12.87M	13.64M
Stock-Based Compensation	62.84K	63K	1.85M	5.83M	2.61M	3.24M	4.6M	0	8.11M	7.04M
Deferred Taxes	3.97M	3.72M	369.95K	191K	1.86M	1.43M	734K	-503K	-2.62M	-448K
Other Non-Cash Items	1.55M	3.75M	1.86M	7.74M	2.63M	2.98M	3.83M	14.58M	15M	16.45M
Working Capital Changes	-9.33M	2.93M	-3.14M	-2.35M	13.14M	-53.14M	12.59M	-65.7M	50.66M	-42.42M
Change in Receivables	-5.32M	-15.87M	-29.17M	14.34M	-5.66M	-17.08M	-13.85M	-48.63M	-29.24M	41.6M
Change in Inventory	-46.79M	-32.25M	-48.13M	-97.49M	0	0	0	0	0	0
Change in Payables	3.97M	4.56M	3.56M	16.29M	7.23M	-1.42M	21.96M	-1.04M	20.64M	-23.13M
Cash from Investing+	-2.06M	-3.01M	-5.28M	-5.45M	-6.72M	-4.06M	-10.77M	-12.53M	-18.28M	-43.95M
Capital Expenditures	-2.06M	-3.01M	-4.35M	-5.33M	-6.47M	-4.06M	-10.59M	-12.4M	-12.8M	-30M
CapEx % of Revenue	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%	0.02%	0.02%	0.05%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	0	0	-174.5M	-120K	0	0	0	0	0	0
Cash from Financing+	-3.02M	-558K	12.93M	-1.11M	-32.94M	-6.16M	-9.62M	14.06M	-37.12M	-114.2M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-18.14M	-1.29M	-20.18M	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-2.79M	-2.32M	-4.68M	-5.33M	-9.99M	1.5M	20K	-5.44M	-3.39M	-6.2M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	2.4M	19.38M	3.07M	14.51M	46.06M	-4.94M	67.51M	3M	130.72M	23.09M
FCF Margin %	0.02%	0.12%	0.02%	0.05%	0.14%	-0.01%	0.15%	0.01%	0.2%	0.04%
FCF Growth %	-	7.07%	-0.84%	3.73%	2.18%	-1.11%	14.66%	-0.96%	42.56%	-0.82%
FCF per Share	0.07	0.54	0.08	0.57	1.23	-0.13	1.73	0.08	3.59	0.70
FCF Conversion (FCF/Net Income)	0.78x	2.38x	-0.73x	-2.74x	2.68x	-0.03x	1.67x	0.26x	2.41x	0.90x
Interest Paid	0	6.76M	0	10.7M	8.77M	5.81M	3.67M	0	9.18M	10.43M
Taxes Paid	0	-155K	0	1.5M	4.87M	11.14M	13.46M	0	21.5M	24.59M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	25239.22%	572.93%	-51.96%	-18.03%	39.05%	44.98%	39.48%	39.14%	39.82%	41.43%
Return on Invested Capital (ROIC)	46025.52%	79.01%	2.06%	11.08%	35.68%	46.24%	50.73%	44.76%	46.23%	45.71%
Gross Margin	34.18%	34.66%	32.62%	33.38%	33.46%	33.21%	33.05%	33.28%	33.77%	89.64%
Net Margin	4.64%	5.68%	-5.06%	-2.64%	6.14%	9.46%	10.2%	10.48%	9.03%	8.93%
Debt / Equity	0.01x	23.95x	3.10x	2.64x	1.69x	0.93x	0.58x	1.23x	1.45x	1.35x
Interest Coverage	3.35x	2.41x	0.16x	0.71x	4.28x	8.05x	14.96x	14.73x	9.16x	8.09x
FCF Conversion	0.78x	2.38x	-0.73x	-2.74x	2.68x	-0.03x	1.67x	0.26x	2.41x	0.90x
Revenue Growth	-	33.17%	21.55%	36.24%	16.68%	11.77%	28.55%	19.08%	20.47%	-0.01%

Revenue by Segment

	2019	2020	2021	2022	2023	2024
Wire Transfer and Money Order	273.08M	307.91M	393.24M	469.16M	561.54M	554.8M
Wire Transfer and Money Order Growth	-	12.75%	27.71%	19.31%	19.69%	-1.20%
Foreign Exchange Gain	44.27M	46.76M	62.83M	72.92M	87.91M	88.94M
Foreign Exchange Gain Growth	-	5.64%	34.36%	16.06%	20.55%	1.18%
Financial Service, Other	2.25M	2.54M	3.13M	4.72M	9.29M	14.9M
Financial Service, Other Growth	-	12.66%	23.49%	50.75%	96.63%	60.48%

Frequently Asked Questions

Valuation & Price

International Money Express, Inc. (IMXI) has a price-to-earnings (P/E) ratio of 8.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

International Money Express, Inc. (IMXI) reported $625.1M in revenue for fiscal year 2024. This represents a 403% increase from $124.2M in 2015.

International Money Express, Inc. (IMXI) saw revenue decline by 0.0% over the past year.

Yes, International Money Express, Inc. (IMXI) is profitable, generating $39.1M in net income for fiscal year 2024 (8.9% net margin).

Dividend & Returns

International Money Express, Inc. (IMXI) has a return on equity (ROE) of 41.4%. This is excellent, indicating efficient use of shareholder capital.

International Money Express, Inc. (IMXI) generated $26.9M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

US Stock Screener

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International Money Express, Inc. (IMXI) 10-Year Financial Performance & Capital Metrics

IMXI • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceFinancial Infrastructure & Billing

Revenue $659M
EBITDA $109M +0.3%
Net Income $59M -1.2%
EPS (Diluted) 1.79 +9.8%
Gross Margin 89.64% +165.4%
EBITDA Margin 16.5% +0.3%
Operating Margin 14.43% -0.5%
Net Margin 8.93% -1.2%
ROE 41.43% +4.0%
ROIC 45.71% -1.1%
Debt/Equity 1.35 -7.0%
Interest Coverage 8.09 -11.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 40.1%
✓Strong 5Y profit CAGR of 24.6%
✓Strong Piotroski F-Score: 7/9
✓Strong 5Y sales CAGR of 15.6%
✓Share count reduced 9.8% through buybacks
✓Efficient asset utilization: 1.4x turnover

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y15.56%

3Y12.78%

TTM-6.09%

Profit (Net Income) CAGR

10Y-

5Y24.57%

3Y7.89%

TTM-35.79%

EPS CAGR

10Y-

5Y28.05%

3Y14.26%

TTM-28.49%

ROCE

10Y Avg6242%

5Y Avg30.78%

3Y Avg28.93%

Latest28.63%

Peer Comparison

Financial Infrastructure & Billing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MQMarqeta, Inc.	1.8B	4.41	83.84	-25.02%	-6.74%	-4.72%	3.1%	0.01
PAYSPaySign, Inc.	259.8M	4.72	68.80	23.5%	10.1%	16.53%	5.18%	0.10
CSGSCSG Systems International, Inc.	2.27B	79.48	26.23	2.39%	6.85%	28.79%	5%	2.03
CPAYCorpay, Inc.	23.14B	330.77	23.68	5.77%	24.37%	25.52%	7.63%	2.54
PAYOPayoneer Global Inc.	1.92B	5.40	17.42	17.64%	6.96%	9.64%	6.05%	0.03
IMXIInternational Money Express, Inc.	460.64M	15.50	8.66	-0.01%	6.26%	26.14%	5.01%	1.35
ATCHAtlasClear Holdings, Inc.	38.17M	0.26	-0.69	171.31%	-44.2%	-79.32%	4.12%
LSAKLesaka Technologies, Inc.	392.68M	4.67	-4.10	16.92%	-11.78%	-32.78%		0.90

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	124.2M	165.4M	201.04M	273.9M	319.6M	357.21M	459.21M	546.8M	658.74M	658.65M
Revenue Growth %	-	0.33%	0.22%	0.36%	0.17%	0.12%	0.29%	0.19%	0.2%	-0%
Cost of Goods Sold+	81.75M	108.08M	135.46M	182.47M	212.67M	238.6M	307.46M	364.8M	436.26M	68.25M
COGS % of Revenue	0.66%	0.65%	0.67%	0.67%	0.67%	0.67%	0.67%	0.67%	0.66%	0.1%
Gross Profit+	42.45M	57.32M	65.58M	91.43M	106.93M	118.61M	151.75M	182M	222.47M	590.4M
Gross Margin %	0.34%	0.35%	0.33%	0.33%	0.33%	0.33%	0.33%	0.33%	0.34%	0.9%
Gross Profit Growth %	-	0.35%	0.14%	0.39%	0.17%	0.11%	0.28%	0.2%	0.22%	1.65%
Operating Expenses+	28.27M	34.3M	63.77M	78.36M	70.49M	65.75M	83.9M	99.09M	126.98M	495.39M
OpEx % of Revenue	0.23%	0.21%	0.32%	0.29%	0.22%	0.18%	0.18%	0.18%	0.19%	0.75%
Selling, General & Admin	24.21M	30.06M	38.16M	62.69M	57.8M	52.92M	70.8M	89.62M	119.07M	47.89M
SG&A % of Revenue	0.19%	0.18%	0.19%	0.23%	0.18%	0.15%	0.15%	0.16%	0.18%	0.07%
Research & Development	0	0	0	0	0	0	1M	0	0	0
R&D % of Revenue	-	-	-	-	-	-	0%	-	-	-
Other Operating Expenses	2.45M	2.53M	16.64M	15.67M	12.69M	12.83M	12.1M	9.47M	7.91M	447.49M
Operating Income+	14.18M	23.02M	1.81M	13.07M	36.44M	52.87M	67.85M	82.91M	95.49M	95.02M
Operating Margin %	0.11%	0.14%	0.01%	0.05%	0.11%	0.15%	0.15%	0.15%	0.14%	0.14%
Operating Income Growth %	-	0.62%	-0.92%	6.23%	1.79%	0.45%	0.28%	0.22%	0.15%	-0%
EBITDA+	16.64M	25.55M	18.84M	28.74M	49.13M	63.7M	77.34M	92.38M	108.36M	108.66M
EBITDA Margin %	0.13%	0.15%	0.09%	0.1%	0.15%	0.18%	0.17%	0.17%	0.16%	0.16%
EBITDA Growth %	-	0.54%	-0.26%	0.53%	0.71%	0.3%	0.21%	0.19%	0.17%	0%
D&A (Non-Cash Add-back)	2.45M	2.53M	17.03M	15.67M	12.69M	10.83M	9.49M	9.47M	12.87M	13.64M
EBIT	14.18M	23.02M	-3.1M	13.07M	36.44M	52.87M	67.85M	82.91M	95.49M	95.02M
Net Interest Income+	-4.23M	-9.54M	-11.45M	-18.45M	-8.51M	-6.57M	-4.54M	-5.63M	-10.43M	-11.74M
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	4.23M	9.54M	11.45M	18.45M	8.51M	6.57M	4.54M	5.63M	10.43M	11.74M
Other Income/Expense	-4.23M	-9.54M	-16.97M	-18.45M	-8.51M	-6.57M	-4.54M	-5.63M	-10.43M	-11.74M
Pretax Income+	9.95M	13.48M	-9.64M	-5.38M	27.93M	46.3M	63.31M	77.28M	85.06M	83.27M
Pretax Margin %	0.08%	0.08%	-0.05%	-0.02%	0.09%	0.13%	0.14%	0.14%	0.13%	0.13%
Income Tax+	4.19M	4.08M	534.4K	1.87M	8.32M	12.52M	16.47M	19.95M	25.55M	24.45M
Effective Tax Rate %	0.58%	0.7%	1.06%	1.35%	0.7%	0.73%	0.74%	0.74%	0.7%	0.71%
Net Income+	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Net Margin %	0.05%	0.06%	-0.05%	-0.03%	0.06%	0.09%	0.1%	0.1%	0.09%	0.09%
Net Income Growth %	-	0.63%	-2.08%	0.29%	3.71%	0.72%	0.39%	0.22%	0.04%	-0.01%
Net Income (Continuing)	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	0.16	0.26	-0.28	-0.28	0.52	0.88	1.20	1.48	1.63	1.79
EPS Growth %	-	0.63%	-2.08%	0%	2.86%	0.69%	0.36%	0.23%	0.1%	0.1%
EPS (Basic)	0.16	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81
Diluted Shares Outstanding	36.18M	36.18M	36.18M	25.48M	37.59M	38.36M	39.1M	38.63M	36.43M	32.85M
Basic Shares Outstanding	36.18M	36.18M	36.18M	25.48M	37.43M	38.06M	38.47M	37.73M	35.6M	32.43M
Dividend Payout Ratio	3.15%	0.14%	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	0	77.14M	119.11M	138.65M	148.23M	186.73M	263.55M	382.44M	432.87M	297.78M
Cash & Short-Term Investments	0	37.6M	59.16M	73.03M	86.12M	74.91M	132.47M	149.49M	239.2M	130.5M
Cash Only	0	37.6M	59.16M	73.03M	86.12M	74.91M	132.47M	149.49M	239.2M	130.5M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	0	27.77M	51.37M	35.8M	39.75M	55.48M	68.05M	131.12M	156.75M	109.16M
Days Sales Outstanding	-	61.28	93.27	47.7	45.4	56.69	54.09	87.52	86.85	60.49
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	0	11.59M	7.97M	27.11M	19.32M	218K	1.02M	4.73M	2.61M	1.88M
Total Non-Current Assets+	25K	41.63M	96.95M	87.19M	79.08M	72.75M	76.99M	129.64M	143.94M	164.59M
Property, Plant & Equipment	0	6.25M	8.49M	10.39M	13.28M	13.02M	17.91M	52.93M	53.76M	68.86M
Fixed Asset Turnover	-	26.48x	23.68x	26.35x	24.06x	27.43x	25.65x	10.33x	12.25x	9.56x
Goodwill	0	0	36.26M	36.26M	36.26M	36.26M	36.26M	49.77M	53.99M	55.2M
Intangible Assets	0	6.35M	48.74M	36.4M	27.38M	20.43M	15.39M	19.83M	18.14M	26.85M
Long-Term Investments	25K	0	0	309K	191K	521K	0	0	2.9M	2.2M
Other Non-Current Assets	0	1.22M	1.71M	1.56M	1.22M	3.04M	7.43M	7.11M	15.16M	11.49M
Total Assets+	25K	118.77M	216.05M	225.84M	227.31M	259.47M	340.54M	512.07M	576.81M	462.38M
Asset Turnover	4967.97x	1.39x	0.93x	1.21x	1.41x	1.38x	1.35x	1.07x	1.14x	1.42x
Asset Growth %	-	4749.96%	0.82%	0.05%	0.01%	0.14%	0.31%	0.5%	0.13%	-0.2%
Total Current Liabilities+	2.19K	38.33M	72.62M	68.04M	83.72M	83.94M	116.86M	184.77M	223.37M	152M
Accounts Payable	0	5.88M	8.92M	11.44M	13.4M	12.77M	23.15M	25.69M	36.51M	19.52M
Days Payables Outstanding	-	19.86	24.04	22.88	23	19.54	27.48	25.7	30.54	104.4
Short-Term Debt	300	849.81K	3.91M	3.94M	7.04M	7.04M	3.88M	4.97M	7.16M	0
Deferred Revenue (Current)	0	1000K	1000K	745K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	1.89K	25.17M	49.12M	37.24M	56.06M	57.14M	0	1.32M	2M	105.53M
Current Ratio	-	2.01x	1.64x	2.04x	1.77x	2.22x	2.26x	2.07x	1.94x	1.96x
Quick Ratio	-	2.01x	1.64x	2.04x	1.77x	2.22x	2.26x	2.07x	1.94x	1.96x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	0	77.18M	107.53M	113.33M	87.62M	81.27M	80.64M	177.4M	204.4M	175.46M
Long-Term Debt	0	77.18M	108.05M	113.33M	87.62M	80.58M	79.21M	150.24M	181.07M	156.62M
Capital Lease Obligations	0	0	0	0	0	0	0	23.27M	22.67M	18.58M
Deferred Tax Liabilities	0	0	0	8.9M	8.63M	692K	1.43M	3.89M	659K	250K
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0
Total Liabilities	2.19K	115.52M	180.15M	181.37M	171.34M	165.21M	197.5M	362.17M	427.77M	327.45M
Total Debt+	300	78.03M	111.44M	117.26M	94.67M	87.62M	83.09M	183.74M	215.86M	181.67M
Net Debt	300	40.43M	52.28M	44.23M	8.55M	12.72M	-49.38M	34.25M	-23.34M	51.17M
Debt / Equity	0.01x	23.95x	3.10x	2.64x	1.69x	0.93x	0.58x	1.23x	1.45x	1.35x
Debt / EBITDA	0.00x	3.05x	5.92x	4.08x	1.93x	1.38x	1.07x	1.99x	1.99x	1.67x
Net Debt / EBITDA	0.00x	1.58x	2.78x	1.54x	0.17x	0.20x	-0.64x	0.37x	-0.22x	0.47x
Interest Coverage	3.35x	2.41x	0.16x	0.71x	4.28x	8.05x	14.96x	14.73x	9.16x	8.09x
Total Equity+	22.81K	3.26M	35.9M	44.47M	55.97M	94.26M	143.04M	149.91M	149.04M	134.92M
Equity Growth %	-	141.84%	10.02%	0.24%	0.26%	0.68%	0.52%	0.05%	-0.01%	-0.09%
Book Value per Share	0.00	0.09	0.99	1.75	1.49	2.46	3.66	3.88	4.09	4.11
Total Shareholders' Equity	22.81K	3.26M	35.9M	44.47M	55.97M	94.26M	143.04M	149.91M	149.04M	134.92M
Common Stock	530	818.79K	161.13M	4K	4K	4K	4K	4K	4K	4K
Retained Earnings	-2.19K	-67.55M	-10.17M	-17.42M	1.18M	34.96M	81.8M	139.13M	198.65M	257.47M
Treasury Stock	0	0	0	0	0	0	-5.57M	-59.3M	-125.56M	-200.7M
Accumulated OCI	0	-20.27K	-2.37K	-2K	93K	-13K	-76K	-142K	262K	-1.45M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	4.47M	22.4M	7.42M	19.84M	52.53M	-880K	78.1M	15.17M	143.53M	53.09M
Operating CF Margin %	0.04%	0.14%	0.04%	0.07%	0.16%	-0%	0.17%	0.03%	0.22%	0.08%
Operating CF Growth %	-	4.02%	-0.67%	1.67%	1.65%	-1.02%	89.75%	-0.81%	8.46%	-0.63%
Net Income	5.76M	9.4M	-10.17M	-7.24M	19.61M	33.78M	46.84M	57.33M	59.52M	58.82M
Depreciation & Amortization	2.45M	2.53M	16.64M	15.67M	12.69M	10.83M	9.49M	9.47M	12.87M	13.64M
Stock-Based Compensation	62.84K	63K	1.85M	5.83M	2.61M	3.24M	4.6M	0	8.11M	7.04M
Deferred Taxes	3.97M	3.72M	369.95K	191K	1.86M	1.43M	734K	-503K	-2.62M	-448K
Other Non-Cash Items	1.55M	3.75M	1.86M	7.74M	2.63M	2.98M	3.83M	14.58M	15M	16.45M
Working Capital Changes	-9.33M	2.93M	-3.14M	-2.35M	13.14M	-53.14M	12.59M	-65.7M	50.66M	-42.42M
Change in Receivables	-5.32M	-15.87M	-29.17M	14.34M	-5.66M	-17.08M	-13.85M	-48.63M	-29.24M	41.6M
Change in Inventory	-46.79M	-32.25M	-48.13M	-97.49M	0	0	0	0	0	0
Change in Payables	3.97M	4.56M	3.56M	16.29M	7.23M	-1.42M	21.96M	-1.04M	20.64M	-23.13M
Cash from Investing+	-2.06M	-3.01M	-5.28M	-5.45M	-6.72M	-4.06M	-10.77M	-12.53M	-18.28M	-43.95M
Capital Expenditures	-2.06M	-3.01M	-4.35M	-5.33M	-6.47M	-4.06M	-10.59M	-12.4M	-12.8M	-30M
CapEx % of Revenue	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%	0.02%	0.02%	0.05%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	0	0	-174.5M	-120K	0	0	0	0	0	0
Cash from Financing+	-3.02M	-558K	12.93M	-1.11M	-32.94M	-6.16M	-9.62M	14.06M	-37.12M	-114.2M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-18.14M	-1.29M	-20.18M	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-2.79M	-2.32M	-4.68M	-5.33M	-9.99M	1.5M	20K	-5.44M	-3.39M	-6.2M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	2.4M	19.38M	3.07M	14.51M	46.06M	-4.94M	67.51M	3M	130.72M	23.09M
FCF Margin %	0.02%	0.12%	0.02%	0.05%	0.14%	-0.01%	0.15%	0.01%	0.2%	0.04%
FCF Growth %	-	7.07%	-0.84%	3.73%	2.18%	-1.11%	14.66%	-0.96%	42.56%	-0.82%
FCF per Share	0.07	0.54	0.08	0.57	1.23	-0.13	1.73	0.08	3.59	0.70
FCF Conversion (FCF/Net Income)	0.78x	2.38x	-0.73x	-2.74x	2.68x	-0.03x	1.67x	0.26x	2.41x	0.90x
Interest Paid	0	6.76M	0	10.7M	8.77M	5.81M	3.67M	0	9.18M	10.43M
Taxes Paid	0	-155K	0	1.5M	4.87M	11.14M	13.46M	0	21.5M	24.59M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	25239.22%	572.93%	-51.96%	-18.03%	39.05%	44.98%	39.48%	39.14%	39.82%	41.43%
Return on Invested Capital (ROIC)	46025.52%	79.01%	2.06%	11.08%	35.68%	46.24%	50.73%	44.76%	46.23%	45.71%
Gross Margin	34.18%	34.66%	32.62%	33.38%	33.46%	33.21%	33.05%	33.28%	33.77%	89.64%
Net Margin	4.64%	5.68%	-5.06%	-2.64%	6.14%	9.46%	10.2%	10.48%	9.03%	8.93%
Debt / Equity	0.01x	23.95x	3.10x	2.64x	1.69x	0.93x	0.58x	1.23x	1.45x	1.35x
Interest Coverage	3.35x	2.41x	0.16x	0.71x	4.28x	8.05x	14.96x	14.73x	9.16x	8.09x
FCF Conversion	0.78x	2.38x	-0.73x	-2.74x	2.68x	-0.03x	1.67x	0.26x	2.41x	0.90x
Revenue Growth	-	33.17%	21.55%	36.24%	16.68%	11.77%	28.55%	19.08%	20.47%	-0.01%

Revenue by Segment

	2019	2020	2021	2022	2023	2024
Wire Transfer and Money Order	273.08M	307.91M	393.24M	469.16M	561.54M	554.8M
Wire Transfer and Money Order Growth	-	12.75%	27.71%	19.31%	19.69%	-1.20%
Foreign Exchange Gain	44.27M	46.76M	62.83M	72.92M	87.91M	88.94M
Foreign Exchange Gain Growth	-	5.64%	34.36%	16.06%	20.55%	1.18%
Financial Service, Other	2.25M	2.54M	3.13M	4.72M	9.29M	14.9M
Financial Service, Other Growth	-	12.66%	23.49%	50.75%	96.63%	60.48%

Frequently Asked Questions

Valuation & Price

International Money Express, Inc. (IMXI) has a price-to-earnings (P/E) ratio of 8.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

International Money Express, Inc. (IMXI) reported $625.1M in revenue for fiscal year 2024. This represents a 403% increase from $124.2M in 2015.

International Money Express, Inc. (IMXI) saw revenue decline by 0.0% over the past year.

Yes, International Money Express, Inc. (IMXI) is profitable, generating $39.1M in net income for fiscal year 2024 (8.9% net margin).

Dividend & Returns

International Money Express, Inc. (IMXI) has a return on equity (ROE) of 41.4%. This is excellent, indicating efficient use of shareholder capital.

International Money Express, Inc. (IMXI) generated $26.9M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.