IMXI
International Money Express, Inc.
Technology · Software - Infrastructure · NCM
$14.95
Data: 2026-05-14
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$456M
Total market value of the company
Trailing P/E
18.70
Reasonably valued
Forward P/E
8.54
Based on estimated future earnings — lower means cheaper
Rev Growth
-14.9%
Year-over-year revenue change
Profit Margin
4.3%
How much profit the company keeps from each dollar of revenue
ROE
16.8%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$16.00
+7% from current price — median analyst estimate
Recommendation
HOLD
Consensus view from 1 analysts covering this stock
About International Money Express, Inc.

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. 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. The company was founded in 1994 and is headquartered in Miami, Florida.

https://www.intermexonline.com

Country: United States Employees: 1,096 Industry: Software - Infrastructure
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
PASS
Core business does not involve prohibited activities
Debt Ratio
57.5% FAIL
Debt must be below 33% of total assets
Cash Ratio
37.4% FAIL
Interest-bearing cash below 33% of assets
Receivables
0.0% PASS
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Valuation
Fair Value Est.
$26.62
What our model estimates this business is worth per share
Margin of Safety
43.8%
Trading below fair value — margin of safety exists
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
Percentile
77.3th
Ranks in the top 23% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
95.0
Quality Score
44.3
Combined
46.6

Trading at $15 against a fair value of $27, a 43% discount. Moderate competitive position. Fails ethical screen (Debt ratio). Ranks better than 76% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
MARKDOWN
Price trending down — defensive positioning
Sharpe Ratio
-0.052
Returns do not compensate for the risk — negative edge
Kelly Fraction
-0.0716
No positive edge detected — the data suggests staying out
Calmar Ratio
-0.240
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-14.6%
Historical annualised return based on price data
Max Drawdown
-60.9%
Largest peak-to-trough decline — the worst it has been
HMM State
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
178
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
0.78
Less volatile than the market — more defensive
52W High
$15.95
6% below the year high
52W Low
$8.58
74% above the year low
Avg Volume
535,241
Average daily shares traded — higher means easier to buy and sell
Short Ratio
3.8
Days it would take all short sellers to cover — higher means more crowded
Short % Float
4.5%
Low short interest — limited bearish positioning
Div Yield
0.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$0.81
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
1.61
Meaningful debt load — monitor closely
Current Ratio
2.84
Strong balance sheet — comfortably covers short-term obligations
Quick Ratio
1.95
Like current ratio but excludes inventory — stricter test
Gross Margin
35.3%
Revenue left after cost of goods — higher means pricing power
Operating Margin
-10.9%
Profit from core operations before interest and tax
Free Cash Flow
$-62,735,248
Negative — the business is spending more than it generates
Revenue (TTM)
$589M
Total revenue over the last 12 months
Net Income
$25M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
1
Target High
$16.00
Target Median
$16.00
Target Low
$16.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-04-01 MAYDON LAURA I. Director 127 $2,007
2026-04-01 BRADFORD DEBRA A. Director 159 $2,512
2026-04-01 PURCELL MICHAEL J. Director 989 $15,626
2026-03-31 LISY ROBERT Chief Executive Officer 117,500 —
2026-02-06 LISY ROBERT Chief Executive Officer 300,644 $4,675,014
2026-02-06 AGUILAR JOSEPH Officer 38,586 $600,012
2026-02-06 BENDE ANDRAS QUINN Chief Financial Officer 57,878 $900,003
2026-02-06 HUNT CHRISTOPHER D Chief Operating Officer 57,878 $900,003
2025-12-31 MAYDON LAURA I. Director 131 $2,010
2025-12-31 BRADFORD DEBRA A. Director 163 $2,500
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-14

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