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International Money Express, Inc. (IMXI) stock

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NASDAQ: IMXI Nasdaq Transaction & Payment Processing Services Next results ~November 9, 2026

D Fundamentals grade

International Money Express, Inc. is a US-listed company in the transaction & payment processing services industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

Under review: our cash-flow value ($42.76) is 4.95x the share price ($8.64); a gap this wide almost always means a data problem.

Price vs value

Under review: our cash-flow value ($42.76) is 4.95x the share price ($8.64); a gap this wide almost always means a data problem. We'll show the comparison once resolved.

International Money Express, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Funds71 adding, 84 cuttingOf 28 active managers that changed their stake, 15 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter International Money Express files

Where International Money Express stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $555m, down 13.5% on a year earlier, a steeper fall than the 10.3% decline a quarter earlier. That puts it 21 of 22 for growth among the transaction & payment processing services companies we cover. Free-cash-flow margin fell to 1.6% from 13.4% a year earlier. Operating margin narrowed to 6.2% from 13.4%. The diluted share count is down 3.1% on a year earlier, which lifts each remaining share. Against its peers on growth, profitability, cash generation and balance sheet, it grades D. It passes 3 of our 6 financial-health checks.

Our model value for International Money Express is under review, so past values are not shown until it is resolved.

Source: 10-Q filed August 10, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 9, 2026 (estimated)

International Money Express, Inc.'s trailing-twelve-month revenue fell 13.5% year on year, with a free-cash-flow margin of 1.6%. Where it lags: free-cash-flow margin of 1.6% ranks 23 of 25 transaction & payment processing services companies we cover.

Our discounted-cash-flow model values the business at ~$43 per share in the base case (~$32–$57 across growth scenarios) — model values under stated assumptions, not a price target.

Current signal Free cash flow diverging from earnings: TTM free cash flow fell 89.7% while net income fell 63.8%: a 26pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Shrinking share count. Diluted shares fell 3.1% in a year, so each share owns more of the business.

Things to watch

  • Revenue shrinking. Revenue fell 13.5% over the last 12 months.
  • Margins narrowing. Operating margin is down 7.2 points on a year ago.
  • Growth easing. The growth rate is 3.2 points lower than a quarter earlier.
  • Weak cash conversion. Free cash flow was 48% of net income over the last 12 months.
  • Below peers: free-cash-flow margin. Free-cash-flow margin of 1.6% ranks 23 of 25 transaction & payment processing services companies we cover (median 18.4%).
  • Below peers: change in growth rate. Change in growth rate of -3.2pp ranks 26 of 30 transaction & payment processing services companies we cover (median -0.3pp).

Latest results: FY2026 Q2

Filed August 10, 2026
Earnings per share
$0.23 against an average estimate of $0.35: missed by 34.3%
Revenue
$131m, down 18.6% on a year earlier
Next report
November 9, 2026; average EPS estimate $0.22

International Money Express' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+3.9%
  • 1 week+3.9%
  • 1 month-17.3%
  • This year-38.0%
  • 1 year-36.1%
  • 5 years-44.0%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$555M
Operating margin
6.2%
Net margin
3.4%
EPS (TTM, diluted)
$0.62

Growth

Revenue growth
−13.5%
Change in growth rate
−3.2 pts
Share count change
−3.1%

Cash

Free cash flow (TTM)
$8.8M
FCF margin
1.6%
Stock pay % of revenue
1.3%

Earnings

Last results
August 11, 2025

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

International Money Express, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: held for review: our cash-flow value ($42.76) is 4.95x the share price ($8.64); a gap this wide almost always means a data problem.

Our value per share comes from a discounted-cash-flow model of International Money Express, Inc.'s free cash flow after stock-based pay ( $73.7M, FY2026 Q2 TTM, with after-tax interest added back): growth for five years as below (the first two years from forecasts, guidance and the company's record), fading to 2.5%, discounted at 8.5%, then cash added and debt and other claims subtracted. These are model values under stated assumptions, not price targets or recommendations.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value International Money Express, Inc. as an operating company, with every model that fits that kind of business. Cost of equity 9.3%: the 10-year Treasury yield (4.9%) plus a beta of 0.96 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Cash-flow model (DCF) Free cash flow to the firm (after stock pay, with after-tax interest added back), grown then faded to 2.5%, discounted at 8.5% as the firm rate, less debt and other claims. ~$43 ~$32–$57 Primary model, counts double
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$6.1 ~$7.2–$20 Left out: far from the other models (more than 3x away from their median)
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$52 ~$36–$75 Left out: out of range vs price (5.42x)
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$26 ~$23–$31 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare International Money Express, Inc. with Transaction & Payment Processing Services in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Valuation multiples over time Market data may be delayed

At fiscal year end 201720182019202020212022202320242025Now
Share price$9.92$11.96$12.04$15.52$15.96$24.37$22.09$20.83$15.36$9.52
Market value$171m$305m$453m$595m$624m$941m$805m$684m$464m$288m
+ Net debt (− = net cash)$57m$47m$11m$14m−$47m$7m−$50m$26m$26m−$37m
Enterprise value$228m$352m$464m$610m$577m$949m$755m$710m$490m$251m
Multiples
Price / sales 0.9x1.1x1.4x1.7x1.4x1.7x1.2x1.0x0.8x0.5x
Price / earnings ——23.1x17.6x13.3x16.4x13.5x11.6x14.2x15.5x
Price / free cash flow 55.7x21.0x9.8x—9.2xn/m6.2x29.6x29.3x32.6x
EV / EBITDA 12.3x12.2x9.4x9.6x7.5x10.3x7.0x6.5x6.7x4.7x

Market value uses the period's diluted share count; figures for each fiscal year use that year's results and the price at year end. "Now" uses today's price and the last twelve months.

Moat

68 /100

Moderate moat

How hard International Money Express's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 9.7% of total assets over 10 years.

  • Durability 9 / 20

    Operating margin has been a median 13.4%; its worst year was 5.0%.

  • Cash conversion 14 / 20

    Free cash flow was positive in 7 of 8 years, at a median 10.7% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 22.1% over five years; stock-based pay has been a median 1.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (73 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 9, 2026, after the close. Analysts expect revenue of $133m and EPS of $0.22 (range $0.12 to $0.28) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $0.82 −50% $520m −14%
Next $1.02 +24% $512m −2%

Next year's EPS estimate has moved −32.5% in 90 days, across 2 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −19.4% on 90 days ago. In the last 30 days, 0 analysts raised International Money Express, Inc.'s forecast and 1 cut it.

Consensus EPS forecast International Money Express, Inc., last 90 days
$0.60 $0.80 $1.00 $1.20 $1.40 $1.60 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $1.02 Current fiscal year, 60 days ago: $0.83 Current fiscal year, 30 days ago: $0.77 Current fiscal year, 7 days ago: $0.77 Current fiscal year, Now: $0.82 $0.82 Next fiscal year, 90 days ago: $1.52 Next fiscal year, 60 days ago: $1.02 Next fiscal year, 30 days ago: $1.02 Next fiscal year, 7 days ago: $1.02 Next fiscal year, Now: $1.02 $1.02

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $1.02$1.52
60 days ago $0.83$1.02
30 days ago $0.77$1.02
7 days ago $0.77$1.02
Now $0.82$1.02

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.35 $0.23 −34.3%
Mar 2026 $0.35 $0.13 −63.2%
Dec 2025 $0.44 $0.42 −3.8%
Sept 2025 $0.53 $0.38 −28.7%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, August 11, 2025

No numeric guidance in International Money Express, Inc.'s latest earnings release (filed August 11, 2025). Some companies give their outlook only on the earnings call.

How our valuation uses these forecasts

Our cash-flow model grows International Money Express, Inc.'s revenue by -2.9% next year and +2.9% the year after, then fades back toward its own record by year five. Next year's rate weighs analysts' consensus (-7.1%, weight 62%) and the company's own record (+4.0%, weight 38%) . How the weights are set.

Analyst recommendations

5 analysts, Oct 2026
Buy00%
Hold5100%
Sell00%

Monthly trend

  1. Oct 202655
  2. Sep 202655
  3. Aug 202655
  4. Jul 202655

Counts of recommendations published by analysts covering International Money Express, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
5.7%
of tradable shares
Days to cover
2.29
at average volume
Short interest, 1 month
−19%
to October 15, 2026
Held by institutions
97%
of shares
Held by insiders
8.1%
of shares
Employees
1,096
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months −36.1%

$14.89 on October 31, 2025 to $9.52

ThenNowEffect
Revenue (last 12 months) $642m $555m −13.5%
Net margin 8.0% 3.4% −58.2%
P/E multiple 9.0x 15.5x +71.3%
Share count 31m 30m +3.2%

Biggest factor: net margin.

Last 3 years −43.2%

$16.75 on November 3, 2023 to $9.52

ThenNowEffect
Revenue (last 12 months) $610m $555m −8.9%
Net margin 9.3% 3.4% −64.1%
P/E multiple 11.1x 15.5x +39.7%
Share count 38m 30m +24.3%

Biggest factor: net margin.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
IMXI+3%+53%−9%−6%−26%−38%
Industry peers (median)−19%−35%+8%+13%−23%+9%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
IMXI58%67%42%42%33%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
IMXI−20%−27%−40%−28%−59%−46%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since March 27, 2017: 68% from October 31, 2022 to October 29, 2026. Getting back needed a 215% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$8.59 – $15.94
From 52-week high
−40.3%
vs 50-day average
−20.4%
vs 200-day average
−33.0%
Volatility (1 year)
39%
Beta vs S&P 500
0.07

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±16.9%
After a week
4 up, 8 down
typical move ±17.7%
After a month
5 up, 7 down
typical move ±17.7%
Results releasedNext dayS&P 500 next day5 days21 days
August 11, 2025 +59.1% +0.9% +55.6% +56.0%
May 7, 2025 −12.4% +1.1% −8.9% −6.1%
February 26, 2025 −13.0% −1.5% −22.3% −26.1%
November 8, 2024 +16.8% +0.5% +12.8% +15.8%
August 7, 2024 −20.6% +1.6% −24.7% −17.7%
May 8, 2024 +7.8% +0.6% +4.2% +9.2%
February 27, 2024 −9.3% +0.1% −7.4% +6.1%
November 7, 2023 +15.4% +0.4% +21.6% +22.9%
August 2, 2023 −26.1% −1.7% −26.0% −27.8%
May 4, 2023 +3.5% +1.1% −5.5% −6.6%
March 8, 2023 +1.8% −1.7% −5.6% −3.2%
November 9, 2022 −16.5% +3.3% −18.1% −14.8%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

International Money Express, Inc. in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) International Money Express, Inc.
$550M $600M $650M $700M FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $641.4M Revenue (TTM), FY23 Q4: $658.7M Revenue (TTM), FY24 Q1: $663.8M Revenue (TTM), FY24 Q2: $666.2M Revenue (TTM), FY24 Q3: $665.7M Revenue (TTM), FY24 Q4: $658.6M Revenue (TTM), FY25 Q1: $652.5M Revenue (TTM), FY25 Q2: $642.1M Revenue (TTM), FY25 Q3: $625.1M Revenue (TTM), FY25 Q4: $607.8M Revenue (TTM), FY26 Q1: $585.4M Revenue (TTM), FY26 Q2: $555.4M $555.4M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $641.4M
FY23 Q4 $658.7M
FY24 Q1 $663.8M
FY24 Q2 $666.2M
FY24 Q3 $665.7M
FY24 Q4 $658.6M
FY25 Q1 $652.5M
FY25 Q2 $642.1M
FY25 Q3 $625.1M
FY25 Q4 $607.8M
FY26 Q1 $585.4M
FY26 Q2 $555.4M
Revenue growth, TTM YoY International Money Express, Inc.
-20% -10% 0% 10% 20% 30% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 23.5% Revenue growth, TTM YoY, FY23 Q4: 20.5% Revenue growth, TTM YoY, FY24 Q1: 14.9% Revenue growth, TTM YoY, FY24 Q2: 9.3% Revenue growth, TTM YoY, FY24 Q3: 3.8% Revenue growth, TTM YoY, FY24 Q4: -0.0% Revenue growth, TTM YoY, FY25 Q1: -1.7% Revenue growth, TTM YoY, FY25 Q2: -3.6% Revenue growth, TTM YoY, FY25 Q3: -6.1% Revenue growth, TTM YoY, FY25 Q4: -7.7% Revenue growth, TTM YoY, FY26 Q1: -10.3% Revenue growth, TTM YoY, FY26 Q2: -13.5% -13.5%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 23.5%
FY23 Q4 20.5%
FY24 Q1 14.9%
FY24 Q2 9.3%
FY24 Q3 3.8%
FY24 Q4 -0.0%
FY25 Q1 -1.7%
FY25 Q2 -3.6%
FY25 Q3 -6.1%
FY25 Q4 -7.7%
FY26 Q1 -10.3%
FY26 Q2 -13.5%
Operating margin (TTM) International Money Express, Inc.
5% 10% 15% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Operating margin (TTM), FY23 Q3: 14.0% Operating margin (TTM), FY23 Q4: 14.5% Operating margin (TTM), FY24 Q1: 14.5% Operating margin (TTM), FY24 Q2: 14.2% Operating margin (TTM), FY24 Q3: 14.7% Operating margin (TTM), FY24 Q4: 14.4% Operating margin (TTM), FY25 Q1: 13.7% Operating margin (TTM), FY25 Q2: 13.4% Operating margin (TTM), FY25 Q3: 11.0% Operating margin (TTM), FY25 Q4: 9.2% Operating margin (TTM), FY26 Q1: 7.7% Operating margin (TTM), FY26 Q2: 6.2% 6.2%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q3 14.0%
FY23 Q4 14.5%
FY24 Q1 14.5%
FY24 Q2 14.2%
FY24 Q3 14.7%
FY24 Q4 14.4%
FY25 Q1 13.7%
FY25 Q2 13.4%
FY25 Q3 11.0%
FY25 Q4 9.2%
FY26 Q1 7.7%
FY26 Q2 6.2%
FCF margin (TTM) International Money Express, Inc.
-20% -10% 0% 10% 20% 30% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: 15.1% FCF margin (TTM), FY23 Q4: 19.8% FCF margin (TTM), FY24 Q1: 25.1% FCF margin (TTM), FY24 Q2: 21.6% FCF margin (TTM), FY24 Q3: 13.2% FCF margin (TTM), FY24 Q4: 3.5% FCF margin (TTM), FY25 Q1: 3.7% FCF margin (TTM), FY25 Q2: 13.4% FCF margin (TTM), FY25 Q3: 4.3% FCF margin (TTM), FY25 Q4: 2.6% FCF margin (TTM), FY26 Q1: -10.8% FCF margin (TTM), FY26 Q2: 1.6% 1.6%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 15.1%
FY23 Q4 19.8%
FY24 Q1 25.1%
FY24 Q2 21.6%
FY24 Q3 13.2%
FY24 Q4 3.5%
FY25 Q1 3.7%
FY25 Q2 13.4%
FY25 Q3 4.3%
FY25 Q4 2.6%
FY26 Q1 -10.8%
FY26 Q2 1.6%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

Each dollar International Money Express took in during FY2025, followed through to profit: what it cost to make, what went on running the business, and what was left after tax.

  1. Revenue $608M
  2. Other operating costs $552M · 90.8%
  3. Operating income $55.6M · 9.2%
  4. Income tax $14.4M · 2.4%
  5. Interest and other $8.6M · 1.4%
  6. Net income $32.7M · 5.4%

Shares of revenue. Source: International Money Express's 10-K for FY2025, as filed with the SEC. "Other" lines are what the reported lines leave unexplained.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 201 274 320 357 459 547 659 659 608 555
EBITDA 18 29 49 64 77 92 108 109 73 53
Operating income 2 13 36 53 68 83 95 95 56 35
Net income −10 −7 20 34 47 57 60 59 33 19
Diluted EPS −$0.59 −$0.28 $0.52 $0.88 $1.20 $1.48 $1.63 $1.79 $1.08 $0.62
Growth (year on year)
Revenue — +36.2% +16.7% +11.8% +28.6% +19.1% +20.5% −0.0% −7.7% −13.5%
EBITDA — +55.8% +70.9% +29.6% +21.4% +19.4% +17.3% +0.3% −33.0% −47.5%
Operating income — — +178.8% +45.1% +28.3% +22.2% +15.2% −0.5% −41.4% −59.9%
Net income — — — +72.3% +38.7% +22.4% +3.8% −1.2% −44.5% −63.8%
Diluted EPS — — — +69.2% +36.4% +23.3% +10.1% +9.8% −39.7% −62.7%
Margins
EBITDA margin 9.2% 10.5% 15.4% 17.8% 16.8% 16.9% 16.4% 16.5% 12.0% 9.6%
Operating margin 0.9% 4.8% 11.4% 14.8% 14.8% 15.2% 14.5% 14.4% 9.2% 6.2%
Net margin −5.1% −2.6% 6.1% 9.5% 10.2% 10.5% 9.0% 8.9% 5.4% 3.4%
Free-cash-flow margin 1.5% 5.3% 14.4% −1.4% 14.7% 0.5% 19.8% 3.5% 2.6% 1.6%
Cash flow
Cash from operations 7 20 53 −1 78 15 144 53 37 31
Capital spending 4 5 6 4 11 12 13 30 21 22
Free cash flow 3 15 46 −5 68 3 131 23 16 9
Stock-based pay 2 6 3 3 5 7 8 7 9 7
Free cash flow after stock pay 1 9 43 −8 63 −4 123 16 7 1
Balance sheet
Cash 59 73 86 75 132 149 239 131 169 151
Total debt 116 120 97 89 85 157 189 157 195 114
Net debt (negative = net cash) 57 47 11 14 −47 7 −50 26 26 −37
Diluted shares 17m 25m 38m 38m 39m 39m 36m 33m 30m 30m
Returned to shareholders
Dividends 20 0 0 — — — — — — —
Buybacks 0 0 0 0 6 54 66 75 16 0
Total returned 20 0 0 0 6 54 66 75 16 0

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

3 of 6 checks passed · June 30, 2026
What it owns · $450m
Short-term assets $286mLonger-term assets $164m
What it owes, and who funded it · $315m
Short-term liabilities $146mShareholders' equity $170m
  • Short-term assets cover short-term liabilities $286m of assets due within a year against $146m of liabilities due within a year.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt $151m of cash against $114m of debt.
  • Debt below 40% of shareholders' equity Debt is 67% of equity.
  • Debt burden no higher than five years ago Debt to equity moved from 55% to 67% over five years.
  • A year's operating cash flow covers at least 20% of debt $31m of operating cash flow against $114m of debt.
  • Operating profit covers interest at least five times over Operating income of $35m against $11m of interest.

From International Money Express, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$0
Returned to shareholders
0%
of free cash flow
Buybacks, last 3 fiscal years
$158M
Diluted share count
−3.1%
year over year
Total shareholder yield
0.0%
dividends 0.0% + buybacks 0.0% of market value
Days sales outstanding
66 days
receivables vs revenue

Competitors: side by side with peers

Closest by revenue in transaction & payment processing services
Last 12 months unless stated IMXI SEZL PMTS MQ FLYW RSKD Median
Revenue, last 12 months $555m $532m $587m $677m $714m $345m $1.6bn
Revenue growth, last 12 months −13.5% 43.1% 16.9% 22.4% 32.2% 5.2% 9.3%
Revenue growth, 3-year average −3.1% 56.7% 6.5% −7.1% 27.1% — 7.9%
Revenue growth, latest quarter −18.6% 51.7% 15.0% 17.0% 27.2% — 14.0%
Gross margin — — 31.0% 70.0% — 51.7% 45.0%
Operating margin 6.2% 40.4% 9.2% −1.9% 5.5% −9.9% 9.8%
Operating margin, 3-year average 11.3% 33.3% 10.9% −12.1% −0.0% — 11.1%
Net margin 3.4% 30.4% 2.3% 1.5% 4.8% −8.0% 6.1%
Cash from operations / revenue 5.6% 51.8% 15.6% 29.5% 23.3% 9.8% 18.4%
Free-cash-flow margin 1.6% 51.6% 13.0% 29.3% 23.2% 9.6% 16.1%
Free-cash-flow margin, 3-year average 12.2% 34.0% 8.5% 18.7% 16.8% — 16.3%
Stock pay / revenue 1.3% 0.8% 1.1% 13.9% 9.9% 15.0% 2.2%
Change in share count −3.1% −1.7% −0.5% −6.5% 0.3% −7.9% −2.7%

Median of all 30 companies we cover in transaction & payment processing services. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

30 transaction & payment processing services companies
Measure Company Peer median Rank
Revenue growth Growth -13.5% 9.7% 27 of 30
Change in growth rate Growth -3.2pp -0.3pp 26 of 30
Operating margin Profitability 6.2% 9.8% 20 of 29
Net margin Profitability 3.4% 6.6% 19 of 30
Free-cash-flow margin Cash generation 1.6% 18.4% 23 of 25
Stock pay as % of revenue Cash generation 1.3% 2.3% 7 of 30
Long-term debt as % of assets Balance sheet 25.3% 25.3% 10 of 19
Change in share count Balance sheet -3.1% -1.7% 12 of 26
Days sales outstanding Balance sheet 66 days 53 days 13 of 18

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue Share YoY
Wire Transfer and Money Order $502M 82.6% ▼ 9.5%
Foreign Exchange Gain $87.2M 14.3% ▼ 2.0%
Financial Service Other $18.5M 3.0% ▲ 23.9%

From International Money Express, Inc.'s 10-K filed March 6, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$420M
Institutions reporting
156
Shares held vs prior quarter
▲ 8.8%
Positions opened / closed
22 / 20

Top buyers and sellers, Q2 2026: 71 institutions bought and 84 sold ; the biggest buyer was Morgan Stanley (+930K shares) and the biggest seller Alliancebernstein L.P (−758K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $33.3M 2.3M 7.9% ▲ 11.7%
Magnetar Financial LLC $29M 2.0M 6.9% ▲ 4.4%
Alliancebernstein L.P. $24.2M 1.5M 5.7% ▼ 33.2%
Oddo Bhf Asset Management Sas $21.2M 1.5M 5.1% —
Man Group PLC $18.1M 1.3M 4.3% ▼ 4.0%
Vanguard Capital Management LLC $17.8M 1.2M 4.2% ▲ 0.8%
Fil Ltd $17.4M 1.2M 4.1% ▼ 0.1%
Qube Research & Technologies Ltd $16.6M 1.1M 4.0% ▲ 117.4%
Morgan Stanley $15.5M 1.1M 3.7% ▲ 652.9%
Geode Capital Management, LLC $14.4M 999K 3.4% ▲ 17.1%
Alpine Associates Management Inc. $14.3M 987K 3.4% ▲ 64.3%
LMR Partners LLP $13.8M 956K 3.3% ▲ 385.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not International Money Express, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around November 7, 2025 estimated from the company's past filing pattern, not announced

  • August 11, 2025
  • May 7, 2025
  • February 26, 2025
  • November 8, 2024
  • August 7, 2024
  • May 8, 2024

Recent SEC filings

Data status

When each part of this page on International Money Express, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

International Money Express, Inc. in brief

What does International Money Express, Inc. do?
International Money Express, Inc. is a US-listed company in the transaction & payment processing services industry. Its financial year ends in December.
What is International Money Express, Inc.'s stock ticker?
International Money Express, Inc. trades under the ticker IMXI on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is International Money Express, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, International Money Express, Inc. reported revenue of $555M, 13.5% lower than a year earlier, according to its SEC filings.
What is International Money Express, Inc.'s free cash flow?
International Money Express, Inc.'s free-cash-flow margin is 1.6% of revenue over the trailing twelve months, ranking 23 of the 25 transaction & payment processing services companies we cover.
Who are International Money Express, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Magnetar Financial LLC and Alliancebernstein L.P. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is International Money Express, Inc. buying back stock, and does it pay a dividend?
International Money Express, Inc. spent $0 on share repurchases over the trailing twelve months, and its diluted share count fell 3.1% over the year.
What is International Money Express, Inc.'s market cap?
On November 2, 2026, International Money Express, Inc.'s market capitalisation was about $288M, with a price-to-earnings ratio of 15.5 and net debt of -$36.8M. Market figures come from third-party market data and may be delayed.
How much debt does International Money Express, Inc. have?
International Money Express, Inc.'s debt-to-equity ratio is 67.1%, from its latest balance sheet (55.4% five years earlier). The financial health section below sets out its other solvency checks.
Who are International Money Express, Inc.'s competitors?
In our Transaction & Payment Processing Services peer group, the companies closest to International Money Express, Inc. are Sezzle Inc., CPI Card Group Inc., Marqeta, Inc., Flywire Corp and Riskified LTD. The side-by-side comparison below sets their revenue, margins and growth against International Money Express, Inc.'s.
When is International Money Express, Inc.'s next earnings date?
Around November 9, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — International Money Express, Inc. announces its own schedule.