International Money Express, Inc. (IMXI) Financial Ratios
11 years of historical data (2015–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
N/A
—
5yr avg: 7.99
30Y Low6.8·High21.8
P/FCF
↑
30.16
↓-61% vs avg
5yr avg: 77.60
30Y Low6.2·High117.1
P/B Ratio
↓
2.97
↓-38% vs avg
5yr avg: 4.80
30Y Low2.9·High10.0
ROE
↓
22.1%
↑-39% vs avg
5yr avg: 36.4%
30Y Low-52%·High45%
Debt/EBITDA
↑
N/A
—
5yr avg: 1.68
30Y Low0.0·High5.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
IMXI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
International Money Express, Inc. trades at 14.7x earnings, 6% above its 5-year average of 13.8x, sitting at the 57th percentile of its historical range. Compared to the Technology sector median P/E of 27.5x, the stock trades at a discount of 47%. On a free-cash-flow basis, the stock trades at 30.2x P/FCF, 61% below the 5-year average of 77.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $477M | $464M | $684M | $805M | $941M | $624M | $595M | $453M | $305M | $359M | — |
| Enterprise Value | $525M | $511M | $735M | $781M | $976M | $575M | $608M | $461M | $349M | $411M | — |
| P/E Ratio → | 14.68 | 14.22 | 11.64 | 13.55 | 16.47 | 13.30 | 17.64 | 23.15 | — | — | — |
| P/S Ratio | 0.92 | 0.89 | 1.04 | 1.22 | 1.72 | 1.36 | 1.67 | 1.42 | 1.11 | 1.79 | — |
| P/B Ratio | 2.97 | 2.88 | 5.07 | 5.40 | 6.28 | 4.36 | 6.32 | 8.09 | 6.85 | 10.00 | — |
| P/FCF | 30.16 | 29.32 | 29.64 | 6.16 | 313.66 | 9.24 | — | 9.83 | 21.01 | 117.10 | — |
| P/OCF | 12.93 | 12.57 | 12.89 | 5.61 | 62.03 | 7.99 | — | 8.62 | 15.36 | 48.39 | — |
P/E links to full P/E history page with 30-year chart
IMXI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.98 | 1.12 | 1.19 | 1.78 | 1.25 | 1.70 | 1.44 | 1.27 | 2.05 | — |
| EV / EBITDA | — | — | 6.77 | 7.21 | 10.56 | 7.43 | 9.55 | 9.39 | 12.14 | 21.83 | — |
| EV / EBIT | — | — | 7.74 | 8.18 | 11.77 | 8.47 | 11.50 | 12.66 | 26.70 | — | — |
| EV / FCF | — | 32.34 | 31.85 | 5.98 | 325.07 | 8.51 | — | 10.01 | 24.06 | 134.15 | — |
IMXI Profitability
Margins and return-on-capital ratios measuring operating efficiency
International Money Express, Inc. earns an operating margin of -3.8%. Operating margins have compressed from 14.5% to -3.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 22.1% indicates solid capital efficiency.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 7.6% | 7.6% | 89.6% | 33.8% | 33.3% | 33.0% | 33.2% | 33.5% | 33.4% | 32.6% | 34.7% |
| Operating Margin | -3.8% | -3.8% | 14.4% | 14.5% | 15.2% | 14.8% | 14.8% | 11.4% | 4.8% | 0.9% | 13.9% |
| Net Profit Margin | 6.3% | 6.3% | 8.9% | 9.0% | 10.5% | 10.2% | 9.5% | 6.1% | -2.6% | -5.1% | 5.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 22.1% | 22.1% | 41.4% | 39.8% | 39.1% | 39.5% | 45.0% | 39.0% | -18.0% | -52.0% | 572.9% |
| ROA | 6.7% | 6.7% | 11.3% | 10.9% | 13.4% | 15.6% | 13.9% | 8.7% | -3.3% | -6.1% | 15.8% |
| ROIC | -7.6% | -7.6% | 45.7% | 46.2% | 44.8% | 50.7% | 46.2% | 35.7% | 11.1% | 2.1% | 79.0% |
| ROCE | -5.8% | -5.8% | 28.6% | 28.1% | 30.1% | 34.0% | 33.1% | 24.2% | 8.7% | 1.6% | 57.2% |
IMXI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $48M ($217M total debt minus $169M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.34 | 1.34 | 1.35 | 1.45 | 1.23 | 0.58 | 0.93 | 1.69 | 2.64 | 3.10 | 23.95 |
| Debt / EBITDA | — | — | 1.67 | 1.99 | 1.99 | 1.07 | 1.38 | 1.93 | 4.08 | 5.92 | 3.05 |
| Net Debt / Equity | — | 0.30 | 0.38 | -0.16 | 0.23 | -0.35 | 0.13 | 0.15 | 0.99 | 1.46 | 12.41 |
| Net Debt / EBITDA | — | — | 0.47 | -0.22 | 0.37 | -0.64 | 0.20 | 0.17 | 1.54 | 2.78 | 1.58 |
| Debt / FCF | — | 3.02 | 2.22 | -0.18 | 11.41 | -0.73 | — | 0.19 | 3.05 | 17.06 | 2.09 |
| Interest Coverage | -1.69 | -1.69 | 8.09 | 9.16 | 14.73 | 14.96 | 8.05 | 4.28 | 0.71 | -0.27 | 2.41 |
IMXI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
International Money Express, Inc.'s current ratio of 2.51x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.94x to 2.51x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.51 | 2.51 | 1.96 | 1.94 | 2.07 | 2.26 | 2.22 | 1.77 | 2.04 | 1.64 | 2.01 |
| Quick Ratio | 2.51 | 2.51 | 1.96 | 1.94 | 2.07 | 2.26 | 2.22 | 1.77 | 2.04 | 1.64 | 2.01 |
| Cash Ratio | 1.20 | 1.20 | 0.86 | 1.07 | 0.81 | 1.13 | 0.89 | 1.03 | 1.07 | 0.81 | 0.98 |
| Asset Turnover | — | 1.01 | 1.42 | 1.14 | 1.07 | 1.35 | 1.38 | 1.41 | 1.21 | 0.93 | 1.39 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 75.13 | 60.49 | 86.85 | 87.52 | 54.09 | 56.69 | 45.40 | 47.70 | 93.27 | 61.28 |
IMXI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
International Money Express, Inc. returns 3.4% to shareholders annually primarily through share buybacks. The earnings yield of 6.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | 5.6% | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | 13.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.8% | 7.0% | 8.6% | 7.4% | 6.1% | 7.5% | 5.7% | 4.3% | — | — | — |
| FCF Yield | 3.3% | 3.4% | 3.4% | 16.2% | 0.3% | 10.8% | — | 10.2% | 4.8% | 0.9% | — |
| Buyback Yield | 3.4% | 3.5% | 11.0% | 8.2% | 5.7% | 0.9% | 0.0% | 0.0% | 0.0% | 31.8% | — |
| Total Shareholder Yield | 3.4% | 3.5% | 11.0% | 8.2% | 5.7% | 0.9% | 0.0% | 0.0% | 0.0% | 37.4% | — |
| Shares Outstanding | — | $30M | $33M | $36M | $39M | $39M | $38M | $38M | $25M | $36M | $36M |
Peer Comparison
Compare IMXI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 IMXIYou | $477M | 14.7 | — | 30.2 | 7.6% | -3.8% | 22.1% | -7.6% | — |
 WU | $3B | 5.9 | 1.7 | 7.2 | 28.7% | 19.4% | 51.9% | 23.3% | — |
 EEFT | $3B | 10.2 | 4.7 | 6.4 | 41.3% | 12.5% | 24.3% | 25.0% | 3.3 |
 V | $612B | 31.3 | 24.5 | 28.3 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $435B | 29.8 | 21.6 | 25.7 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 PAX | $2B | 23.9 | 16.6 | — | 96.2% | 34.2% | 15.2% | 12.7% | 1.3 |
 PYPL | $43B | 8.6 | 6.3 | 7.6 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
 FOUR | $4B | 14.2 | 10.3 | 12.6 | 29.2% | 7.4% | 24.3% | 7.6% | 5.3 |
 GPN | $16B | 11.9 | 10.4 | 8.1 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $30B | 8.9 | 6.6 | 6.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Technology Median | — | 27.5 | 17.4 | 19.8 | 48.6% | -0.5% | 2.4% | 2.9% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 11 years · Updated daily
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Start ComparisonIMXI — Frequently Asked Questions
Quick answers to the most common questions about buying IMXI stock.
What is International Money Express, Inc.'s P/E ratio?
International Money Express, Inc.'s current P/E ratio is 14.7x. The historical average is 15.7x. This places it at the 57th percentile of its historical range.
What is International Money Express, Inc.'s ROE?
International Money Express, Inc.'s return on equity (ROE) is 22.1%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 21.8%.
Is IMXI stock overvalued?
Based on historical data, International Money Express, Inc. is trading at a P/E of 14.7x. This is at the 57th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are International Money Express, Inc.'s profit margins?
International Money Express, Inc. has 7.6% gross margin and -3.8% operating margin.