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International Money Express, Inc. key statistics and ratios

In fiscal 2025, International Money Express, Inc. had return on equity of 22.1%, an operating margin of 9.2%, debt equal to 121.0% of equity and a current ratio of 2.51. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

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

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin0.9%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 margin1.5%5.3%14.4%−1.4%14.7%0.5%19.8%3.5%2.6%1.6%
Return on equity−28.3%−18.0%39.0%45.0%39.5%39.1%39.8%41.4%22.1%11.3%
Return on assets−4.7%−3.3%8.7%13.9%15.6%13.4%10.9%11.3%6.7%3.8%
Asset turnover0.931.241.411.471.531.281.211.271.241.15
Current ratio1.642.041.772.222.262.071.941.962.511.96
Debt to equity322.5%269.8%173.4%94.8%59.6%104.7%127.1%116.1%121.0%67.1%
Interest cover (operating income ÷ interest)0.2x0.7x4.3x8.1x15.0x14.7x9.2x8.1x4.7x3.3x
Effective tax rate——29.8%27.0%26.0%25.8%30.0%29.4%30.6%31.7%
Capital spending as % of revenue2.2%1.9%2.0%1.1%2.3%2.2%1.9%4.6%3.5%4.0%
Free cash flow ÷ net income——234.9%−14.6%144.1%5.2%219.6%39.3%48.4%47.5%
Dividends ÷ net income——0.0%———————
Dividends and buybacks ÷ free cash flow658.1%0.0%0.0%—8.2%>999%50.7%325.4%103.3%0.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

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.

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.

Compare with peers

Head to head: IMXI vs SEZLIMXI vs PMTSIMXI vs MQFLYW vs IMXI

More: Transaction & Payment Processing Services stocks compared, Financials sector, rankings of US companies

Figures from International Money Express, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to International Money Express, Inc.