← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

IMXI logoInternational Money Express, Inc.(IMXI)Earnings, Financials & Key Ratios

IMXI•NASDAQ
$15.86
$477M mkt cap·14.7× P/E·Price updated May 7, 2026
SectorTechnologyIndustryInfrastructure SoftwareSub-IndustryPayments and fintech infrastructure
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$521M-21.0%
  • EBITDA-$3M-102.6%
  • Net Income$33M-44.5%
  • EPS (Diluted)1.08-39.7%
  • Gross Margin7.6%-91.5%
  • EBITDA Margin-0.54%-103.3%
  • Operating Margin-3.84%-126.6%
  • Net Margin6.28%-29.7%
  • ROE22.08%-46.7%
  • ROIC-7.59%-116.6%
  • Debt/Equity1.34-0.2%
  • Interest Coverage-1.69-120.9%
Technical→

IMXI Key Insights

International Money Express, Inc. (IMXI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 34.4%
  • ✓Share count reduced 8.1% through buybacks
  • ✓Trading near 52-week high
  • ✓Efficient asset utilization: 1.0x turnover

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

IMXI Price & Volume

International Money Express, Inc. (IMXI) stock price & volume — 10-year historical chart

Loading chart...

IMXI Growth Metrics

International Money Express, Inc. (IMXI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.41%
5 Years7.82%
3 Years-1.62%
TTM-20.96%

Profit CAGR

10 Years18.96%
5 Years-0.67%
3 Years-17.09%
TTM-44.46%

EPS CAGR

10 Years21.04%
5 Years4.18%
3 Years-9.97%
TTM-39.11%

Return on Capital

10 Years23.98%
5 Years22.99%
3 Years16.95%
Last Year-5.82%

IMXI Recent Earnings

International Money Express, Inc. (IMXI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Mar 6, 2026
EPS
$0.41
Est $0.43
-4.7%
Revenue
$147M
Est $153M
-3.6%
Q4 2025
Nov 10, 2025
EPS
$0.38
Est $0.54
-29.6%
Revenue
$155M
Est $162M
-4.7%
Q3 2025
Aug 11, 2025
EPS
$0.51
Est $0.49
+4.1%
Revenue
$161M
Est $165M
-2.4%
Q2 2025
May 7, 2025
EPS
$0.35
Est $0.41
-14.6%
Revenue
$144M
Est $171M
-15.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 6, 2026
$0.41vs $0.43-4.7%
$147Mvs $153M-3.6%
Q4 2025Nov 10, 2025
$0.38vs $0.54-29.6%
$155Mvs $162M-4.7%
Q3 2025Aug 11, 2025
$0.51vs $0.49+4.1%
$161Mvs $165M-2.4%
Q2 2025May 7, 2025
$0.35vs $0.41-14.6%
$144Mvs $171M-15.5%
Based on last 12 quarters of dataView full earnings history →

IMXI Peer Comparison

International Money Express, Inc. (IMXI) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WU logoWUThe Western Union CompanyDirect Competitor2.83B9.035.90-4%47.95%
EEFT logoEEFTEuronet Worldwide, Inc.Direct Competitor2.72B71.5810.466.38%7.29%23.51%1.65
V logoVVisa Inc.Product Competitor616.45B321.3331.5011.34%58.9%0.66
MA logoMAMastercard IncorporatedProduct Competitor443.44B500.9430.3216.42%205.79%2.45
PAX logoPAXPatria Investments LimitedProduct Competitor1.92B12.0422.302.56%14.36%0.31
PYPL logoPYPLPayPal Holdings, Inc.Product Competitor40.77B46.228.544.32%25.08%0.49
FOUR logoFOURShift4 Payments, Inc.Product Competitor3.81B46.8643.3925.5%2.58%4.39%2.36
GPN logoGPNGlobal Payments Inc.Supply Chain16.6B70.1312.03-23.75%-7.99%-2.96%0.92

Compare IMXI vs Peers

International Money Express, Inc. (IMXI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WU

Most directly comparable listed peer for IMXI.

Scale Benchmark

vs V

Larger-name benchmark to compare IMXI against a more recognizable public peer.

Peer Set

Compare Top 5

vs WU, EEFT, V, MA

IMXI Income Statement

International Money Express, Inc. (IMXI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Sales/Revenue201.04M273.9M319.6M357.21M459.21M546.8M658.74M658.65M520.62M
Revenue Growth %21.55%36.24%16.68%11.77%28.55%19.08%20.47%-0.01%-20.96%
Cost of Goods Sold135.46M182.47M212.67M238.6M307.46M364.8M436.26M68.25M481.06M
COGS % of Revenue67.38%66.62%66.54%66.79%66.95%66.72%66.23%10.36%92.4%
Gross Profit
65.58M▲ 0%
91.43M▲ 39.4%
106.93M▲ 17.0%
118.61M▲ 10.9%
151.75M▲ 27.9%
182M▲ 19.9%
222.47M▲ 22.2%
590.4M▲ 165.4%
39.55M▼ 93.3%
Gross Margin %32.62%33.38%33.46%33.21%33.05%33.28%33.77%89.64%7.6%
Gross Profit Growth %14.42%39.41%16.95%10.92%27.94%19.94%22.24%165.38%-93.3%
Operating Expenses63.77M78.36M70.49M65.75M83.9M99.09M126.98M495.39M59.55M
OpEx % of Revenue31.72%28.61%22.06%18.41%18.27%18.12%19.28%75.21%11.44%
Selling, General & Admin38.16M62.69M57.8M52.92M70.8M89.62M119.07M47.89M50.73M
SG&A % of Revenue18.98%22.89%18.09%14.81%15.42%16.39%18.08%7.27%9.74%
Research & Development00001M0000
R&D % of Revenue----0.22%----
Other Operating Expenses16.64M15.67M12.69M12.83M12.1M9.47M7.91M447.49M8.82M
Operating Income
1.81M▲ 0%
13.07M▲ 622.7%
36.44M▲ 178.8%
52.87M▲ 45.1%
67.85M▲ 28.3%
82.91M▲ 22.2%
95.49M▲ 15.2%
95.02M▼ 0.5%
-20M▼ 121.0%
Operating Margin %0.9%4.77%11.4%14.8%14.78%15.16%14.5%14.43%-3.84%
Operating Income Growth %-92.14%622.66%178.78%45.07%28.34%22.19%15.18%-0.5%-121.04%
EBITDA18.84M28.74M49.13M63.7M77.34M92.38M108.36M108.66M-2.83M
EBITDA Margin %9.37%10.49%15.37%17.83%16.84%16.89%16.45%16.5%-0.54%
EBITDA Growth %-26.29%52.6%70.93%29.64%21.43%19.44%17.3%0.28%-102.61%
D&A (Non-Cash Add-back)17.03M15.67M12.69M10.83M9.49M9.47M12.87M13.64M17.16M
EBIT-3.1M13.07M36.44M52.87M67.85M82.91M95.49M95.02M-20M
Net Interest Income-11.45M-18.45M-8.51M-6.57M-4.54M-5.63M-10.43M-11.74M-11.84M
Interest Income000000000
Interest Expense11.45M18.45M8.51M6.57M4.54M5.63M10.43M11.74M11.84M
Other Income/Expense-16.97M-18.45M-8.51M-6.57M-4.54M-5.63M-10.43M-11.74M67.09M
Pretax Income
-9.64M▲ 0%
-5.38M▲ 44.2%
27.93M▲ 619.6%
46.3M▲ 65.8%
63.31M▲ 36.7%
77.28M▲ 22.1%
85.06M▲ 10.1%
83.27M▼ 2.1%
47.1M▼ 43.4%
Pretax Margin %-4.79%-1.96%8.74%12.96%13.79%14.13%12.91%12.64%9.05%
Income Tax534.4K1.87M8.32M12.52M16.47M19.95M25.55M24.45M14.43M
Effective Tax Rate %-5.54%-34.75%29.8%27.03%26.02%25.81%30.04%29.36%30.63%
Net Income
-10.17M▲ 0%
-7.24M▲ 28.8%
19.61M▲ 370.7%
33.78M▲ 72.3%
46.84M▲ 38.7%
57.33M▲ 22.4%
59.52M▲ 3.8%
58.82M▼ 1.2%
32.67M▼ 44.5%
Net Margin %-5.06%-2.64%6.14%9.46%10.2%10.48%9.03%8.93%6.28%
Net Income Growth %-208.23%28.8%370.69%72.29%38.65%22.39%3.81%-1.17%-44.46%
Net Income (Continuing)-10.17M-7.24M19.61M33.78M46.84M57.33M59.52M58.82M32.67M
Discontinued Operations000000000
Minority Interest000000000
EPS (Diluted)
-0.28▲ 0%
-0.28▲ 0.0%
0.52▲ 285.7%
0.88▲ 69.2%
1.20▲ 36.4%
1.48▲ 23.3%
1.63▲ 10.1%
1.79▲ 9.8%
1.08▼ 39.7%
EPS Growth %-207.69%0%285.71%69.23%36.36%23.33%10.14%9.82%-39.66%
EPS (Basic)-0.28-0.280.520.891.221.521.671.811.09
Diluted Shares Outstanding36.18M25.48M37.59M38.36M39.1M38.63M36.43M32.85M30.18M
Basic Shares Outstanding36.18M25.48M37.43M38.06M38.47M37.73M35.6M32.43M29.94M
Dividend Payout Ratio---------

IMXI Balance Sheet

International Money Express, Inc. (IMXI) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Current Assets119.11M138.65M148.23M186.73M263.55M382.44M432.87M297.78M353.16M
Cash & Short-Term Investments59.16M73.03M86.12M74.91M132.47M149.49M239.2M130.5M168.68M
Cash Only59.16M73.03M86.12M74.91M132.47M149.49M239.2M130.5M168.68M
Short-Term Investments000000000
Accounts Receivable51.37M35.8M39.75M55.48M68.05M131.12M156.75M109.16M107.17M
Days Sales Outstanding93.2747.745.456.6954.0987.5286.8560.4975.13
Inventory000000000
Days Inventory Outstanding---------
Other Current Assets7.97M27.11M19.32M218K1.02M4.73M2.61M1.88M77.31M
Total Non-Current Assets96.95M87.19M79.08M72.75M76.99M129.64M143.94M164.59M164.53M
Property, Plant & Equipment8.49M10.39M13.28M13.02M17.91M52.93M53.76M68.86M57.15M
Fixed Asset Turnover23.68x26.35x24.06x27.43x25.65x10.33x12.25x9.56x9.11x
Goodwill36.26M36.26M36.26M36.26M36.26M49.77M53.99M55.2M53.99M
Intangible Assets48.74M36.4M27.38M20.43M15.39M19.83M18.14M26.85M25.4M
Long-Term Investments0309K191K521K002.9M2.2M2.7M
Other Non-Current Assets1.71M1.56M1.22M3.04M7.43M7.11M15.16M11.49M25.3M
Total Assets
216.05M▲ 0%
225.84M▲ 4.5%
227.31M▲ 0.6%
259.47M▲ 14.2%
340.54M▲ 31.2%
512.07M▲ 50.4%
576.81M▲ 12.6%
462.38M▼ 19.8%
517.69M▲ 12.0%
Asset Turnover0.93x1.21x1.41x1.38x1.35x1.07x1.14x1.42x1.01x
Asset Growth %81.9%4.53%0.65%14.15%31.24%50.37%12.64%-19.84%11.96%
Total Current Liabilities72.62M68.04M83.72M83.94M116.86M184.77M223.37M152M140.96M
Accounts Payable8.92M11.44M13.4M12.77M23.15M25.69M36.51M19.52M15.32M
Days Payables Outstanding24.0422.882319.5427.4825.730.54104.411.62
Short-Term Debt3.91M3.94M7.04M7.04M3.88M4.97M7.16M06.21M
Deferred Revenue (Current)56.56M745K2.5M2.75M3.39M4.21M4.77M2.69M0
Other Current Liabilities49.12M37.24M56.06M57.14M01.32M2M105.53M117.49M
Current Ratio1.64x2.04x1.77x2.22x2.26x2.07x1.94x1.96x2.51x
Quick Ratio1.64x2.04x1.77x2.22x2.26x2.07x1.94x1.96x2.51x
Cash Conversion Cycle---------
Total Non-Current Liabilities107.53M113.33M87.62M81.27M80.64M177.4M204.4M175.46M215.68M
Long-Term Debt108.05M113.33M87.62M80.58M79.21M150.24M181.07M156.62M194.82M
Capital Lease Obligations0000023.27M22.67M18.58M15.48M
Deferred Tax Liabilities08.9M0692K1.43M3.89M659K250K5.37M
Other Non-Current Liabilities000000000
Total Liabilities180.15M181.37M171.34M165.21M197.5M362.17M427.77M327.45M356.64M
Total Debt111.44M117.26M94.67M87.62M83.09M183.74M215.86M181.67M216.51M
Net Debt52.28M44.23M8.55M12.72M-49.38M34.25M-23.34M51.17M47.83M
Debt / Equity3.10x2.64x1.69x0.93x0.58x1.23x1.45x1.35x1.34x
Debt / EBITDA5.92x4.08x1.93x1.38x1.07x1.99x1.99x1.67x-
Net Debt / EBITDA2.78x1.54x0.17x0.20x-0.64x0.37x-0.22x0.47x-
Interest Coverage-0.27x0.71x4.28x8.05x14.96x14.73x9.16x8.09x-1.69x
Total Equity
35.9M▲ 0%
44.47M▲ 23.9%
55.97M▲ 25.8%
94.26M▲ 68.4%
143.04M▲ 51.7%
149.91M▲ 4.8%
149.04M▼ 0.6%
134.92M▼ 9.5%
161.05M▲ 19.4%
Equity Growth %1001.78%23.87%25.84%68.42%51.75%4.8%-0.58%-9.47%19.37%
Book Value per Share0.991.751.492.463.663.884.094.115.34
Total Shareholders' Equity35.9M44.47M55.97M94.26M143.04M149.91M149.04M134.92M161.05M
Common Stock161.13M4K4K4K4K4K4K4K4K
Retained Earnings-10.17M-17.42M1.18M34.96M81.8M139.13M198.65M257.47M290.14M
Treasury Stock0000-5.57M-59.3M-125.56M-200.7M-217.03M
Accumulated OCI-2.37K-2K93K-13K-76K-142K262K-1.45M104K
Minority Interest000000000

IMXI Cash Flow Statement

International Money Express, Inc. (IMXI) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations7.42M19.84M52.53M-880K78.1M15.17M143.53M53.09M36.89M
Operating CF Margin %3.69%7.24%16.44%-0.25%17.01%2.77%21.79%8.06%7.09%
Operating CF Growth %-66.88%167.48%164.81%-101.68%8974.77%-80.57%845.86%-63.01%-30.51%
Net Income-10.17M-7.24M19.61M33.78M46.84M57.33M59.52M58.82M32.67M
Depreciation & Amortization16.64M15.67M12.69M10.83M9.49M9.47M12.87M13.64M17.16M
Stock-Based Compensation1.85M5.83M2.61M3.24M4.6M7.12M8.11M7.04M9.28M
Deferred Taxes369.95K191K1.86M1.43M734K-503K-2.62M-448K0
Other Non-Cash Items1.86M7.74M2.63M2.98M3.83M7.46M15M16.45M27.12M
Working Capital Changes-3.14M-2.35M13.14M-53.14M12.59M-65.7M50.66M-42.42M-49.34M
Change in Receivables-29.17M14.34M-5.66M-17.08M-13.85M-48.63M-29.24M41.6M-7.05M
Change in Inventory-48.13M-97.49M0000000
Change in Payables3.56M16.29M7.23M-1.42M21.96M-1.04M20.64M-23.13M-17.83M
Cash from Investing-5.28M-5.45M-6.72M-4.06M-10.77M-12.53M-18.28M-43.95M-22.07M
Capital Expenditures-4.35M-5.33M-6.47M-4.06M-10.59M-12.4M-12.8M-30M-21.07M
CapEx % of Revenue2.16%1.95%2.02%1.14%2.31%2.27%1.94%4.55%4.05%
Acquisitions-923.65K-120K-250K0-185K-131K-5.48M-13.95M0
Investments---------
Other Investing-174.5M-120K000000-992K
Cash from Financing12.93M-1.11M-32.94M-6.16M-9.62M14.06M-37.12M-114.2M20.8M
Debt Issued (Net)37.79M4.21M-22.96M-7.66M-4.07M71.58M32.53M-32.87M38.21M
Equity Issued (Net)0000-5.57M-52.07M-66.26M-75.13M-16.29M
Dividends Paid-20.18M00000000
Share Repurchases114M000-5.57M-53.73M-66.26M-75.13M-16.33M
Other Financing-4.68M-5.33M-9.99M1.5M20K-5.44M-3.39M-6.2M-1.13M
Net Change in Cash
15.17M▲ 0%
13.23M▼ 12.7%
13.09M▼ 1.1%
-11.21M▼ 185.7%
57.57M▲ 613.5%
17.02M▼ 70.4%
89.71M▲ 427.1%
-108.7M▼ 221.2%
38.18M▲ 135.1%
Free Cash Flow
3.07M▲ 0%
14.51M▲ 373.3%
46.06M▲ 217.5%
-4.94M▼ 110.7%
67.51M▲ 1466.0%
3M▼ 95.6%
130.72M▲ 4255.9%
23.09M▼ 82.3%
15.81M▼ 31.5%
FCF Margin %1.52%5.3%14.41%-1.38%14.7%0.55%19.84%3.51%3.04%
FCF Growth %-84.19%373.28%217.54%-110.73%1466.05%-95.55%4255.95%-82.34%-31.51%
FCF per Share0.080.571.23-0.131.730.083.590.700.52
FCF Conversion (FCF/Net Income)-0.73x-2.74x2.68x-0.03x1.67x0.26x2.41x0.90x1.13x
Interest Paid010.7M8.77M5.81M3.67M09.18M10.43M0
Taxes Paid01.5M4.87M11.14M13.46M021.5M24.59M0

IMXI Key Ratios

International Money Express, Inc. (IMXI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)572.93%-51.96%-18.03%39.05%44.98%39.48%39.14%39.82%41.43%22.08%
Return on Invested Capital (ROIC)79.01%2.06%11.08%35.68%46.24%50.73%44.76%46.23%45.71%-7.59%
Gross Margin34.66%32.62%33.38%33.46%33.21%33.05%33.28%33.77%89.64%7.6%
Net Margin5.68%-5.06%-2.64%6.14%9.46%10.2%10.48%9.03%8.93%6.28%
Debt / Equity23.95x3.10x2.64x1.69x0.93x0.58x1.23x1.45x1.35x1.34x
Interest Coverage2.41x-0.27x0.71x4.28x8.05x14.96x14.73x9.16x8.09x-1.69x
FCF Conversion2.38x-0.73x-2.74x2.68x-0.03x1.67x0.26x2.41x0.90x1.13x
Revenue Growth33.17%21.55%36.24%16.68%11.77%28.55%19.08%20.47%-0.01%-20.96%

IMXI SEC Filings & Documents

International Money Express, Inc. (IMXI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Dec 9, 2025·SEC

Material company update

Oct 7, 2025·SEC

Material company update

Aug 11, 2025·SEC

10-K Annual Reports

3
FY 2026

Mar 6, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 8, 2025·SEC

IMXI Frequently Asked Questions

International Money Express, Inc. (IMXI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

International Money Express, Inc. (IMXI) reported $520.6M in revenue for fiscal year 2025. This represents a 319% increase from $124.2M in 2015.

International Money Express, Inc. (IMXI) saw revenue decline by 21.0% over the past year.

Yes, International Money Express, Inc. (IMXI) is profitable, generating $32.7M in net income for fiscal year 2025 (6.3% net margin).

Dividend & Returns

International Money Express, Inc. (IMXI) has a return on equity (ROE) of 22.1%. This is excellent, indicating efficient use of shareholder capital.

International Money Express, Inc. (IMXI) generated $15.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

Explore More IMXI

International Money Express, Inc. (IMXI) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.