International Money Express, Inc. (IMXI) Financial Ratios
11 years of historical data (2015–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
5.62
↓-26% vs avg
5yr avg: 7.59
30Y Low6.0·High21.8
P/FCF
↑
27.25
↓-65% vs avg
5yr avg: 77.60
30Y Low6.2·High117.1
P/B Ratio
↓
2.68
↓-44% 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
↑
2.54
↑+37% vs avg
5yr avg: 1.85
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 13.3x earnings, roughly in line with its 5-year average of 13.8x, sitting at the 14th percentile of its historical range. Compared to the Technology sector median P/E of 29.0x, the stock trades at a discount of 54%. On a free-cash-flow basis, the stock trades at 27.3x P/FCF, 65% 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 | $431M | $464M | $684M | $805M | $941M | $624M | $595M | $453M | $305M | $359M | — |
| Enterprise Value | $479M | $511M | $735M | $781M | $976M | $575M | $608M | $461M | $349M | $411M | — |
| P/E Ratio → | 13.26 | 14.22 | 11.64 | 13.55 | 16.47 | 13.30 | 17.64 | 23.15 | — | — | — |
| P/S Ratio | 0.71 | 0.76 | 1.04 | 1.22 | 1.72 | 1.36 | 1.67 | 1.42 | 1.11 | 1.79 | — |
| P/B Ratio | 2.68 | 2.88 | 5.07 | 5.40 | 6.28 | 4.36 | 6.32 | 8.09 | 6.85 | 10.00 | — |
| P/FCF | 27.25 | 29.32 | 29.64 | 6.16 | 313.66 | 9.24 | — | 9.83 | 21.01 | 117.10 | — |
| P/OCF | 11.68 | 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
International Money Express, Inc.'s enterprise value stands at 5.6x EBITDA, 26% below its 5-year average of 7.6x. The Technology sector median is 16.7x, placing the stock at a 66% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.84 | 1.12 | 1.19 | 1.78 | 1.25 | 1.70 | 1.44 | 1.27 | 2.05 | — |
| EV / EBITDA | 5.62 | 6.00 | 6.77 | 7.21 | 10.56 | 7.43 | 9.55 | 9.39 | 12.14 | 21.83 | — |
| EV / EBIT | 7.03 | 8.68 | 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 11.2%. Operating margins have compressed from 14.5% to 11.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 22.1% indicates solid capital efficiency. ROIC of 25.8% represents excellent returns on invested capital.
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 | 36.0% | 36.0% | 89.6% | 33.8% | 33.3% | 33.0% | 33.2% | 33.5% | 33.4% | 32.6% | 34.7% |
| Operating Margin | 11.2% | 11.2% | 14.4% | 14.5% | 15.2% | 14.8% | 14.8% | 11.4% | 4.8% | 0.9% | 13.9% |
| Net Profit Margin | 5.4% | 5.4% | 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 | 25.8% | 25.8% | 45.7% | 46.2% | 44.8% | 50.7% | 46.2% | 35.7% | 11.1% | 2.1% | 79.0% |
| ROCE | 19.8% | 19.8% | 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
International Money Express, Inc. carries a Debt/EBITDA ratio of 2.5x, which is moderately leveraged (14% below the sector average of 2.9x). Net debt stands at $48M ($217M total debt minus $169M cash). Interest coverage of 5.0x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| 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 | 2.54 | 2.54 | 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 | 0.56 | 0.56 | 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 | 4.98 | 4.98 | 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 | — | 1.17 | 1.42 | 1.14 | 1.07 | 1.35 | 1.38 | 1.41 | 1.21 | 0.93 | 1.39 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 64.36 | 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 3.8% to shareholders annually primarily through share buybacks. The earnings yield of 7.5% (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 | 7.5% | 7.0% | 8.6% | 7.4% | 6.1% | 7.5% | 5.7% | 4.3% | — | — | — |
| FCF Yield | 3.7% | 3.4% | 3.4% | 16.2% | 0.3% | 10.8% | — | 10.2% | 4.8% | 0.9% | — |
| Buyback Yield | 3.8% | 3.5% | 11.0% | 8.2% | 5.7% | 0.9% | 0.0% | 0.0% | 0.0% | 31.8% | — |
| Total Shareholder Yield | 3.8% | 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 | $431M | 13.3 | 5.6 | 27.3 | 36.0% | 11.2% | 22.1% | 25.8% | 2.5 |
 WU | $2B | 4.7 | 1.1 | 5.7 | 28.7% | 19.4% | 51.9% | 23.3% | — |
 EEFT | $2B | 9.6 | 4.4 | 6.1 | 41.3% | 12.5% | 24.3% | 25.0% | 3.3 |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 PAX | $2B | 21.1 | 14.9 | 7.0 | 96.2% | 34.2% | 15.2% | 12.5% | 1.5 |
 PYPL | $37B | 7.9 | 5.6 | 6.7 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
 FOUR | $3B | 36.5 | 8.1 | 5.5 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 GPN | $16B | 11.5 | 10.1 | 7.8 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 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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IMXI — 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 13.3x. The historical average is 15.7x. This places it at the 14th percentile of its historical range.
What is International Money Express, Inc.'s EV/EBITDA?
International Money Express, Inc.'s current EV/EBITDA is 5.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.1x.
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 13.3x. This is at the 14th 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 36.0% gross margin and 11.2% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does International Money Express, Inc. have?
International Money Express, Inc.'s Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.