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, Afric…
FAIL · Does not pass the screen
9.30 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 5 days ago
Screened 2026-10-23 · the tape above runs as of 18:04 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price9.30 USD at the 23 Oct 2026 close
Our ratingAvoid, current read distribution
Ethical screenDoes not pass
Last reviewed23 Oct 2026 (5 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 9.30 against the desk's fair-value range, base estimate 16.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price9.30 USD
Fair value16.00
Ethical score10.0/100
RatingAVOID
Our investment reviews on this name
2026-10-02Read Distribution12.27-24.2% to today ✓Markup gives way to Distribution after an 18% slide in 4 weeks
2026-09-02Read Markup14.95-37.8% to today Distribution gives way to Markup
2026-08-02Read Distribution14.95-37.8% to today ✓Markdown gives way to Distribution
2026-07-02Read Markdown14.95-37.8% to today ✓First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
International Money Express, Inc. holds its Distribution at $9.30. The statistical read favours the sellers, held for 7 days.
As held on the ledger · 2026-10-23
Phase
Distribution · caution
Quantitative state
The statistical read favours the sellers, held for 7 days
Price at the screen
$9.30
Valuation
15.15 trailing · 6.91 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.78
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
57.53%
Below 33%
Interest-bearing debt is 57.5% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
37.36%
Below 33%
Interest-bearing cash and securities are 37.4% of assets, above the one-third limit.
Fail
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
International Money Express,'s business is in a permissible area, but its interest-bearing debt is about 58% of the company, well over the ~33% line, so it does not pass on the financial screens.
Read as at 2026-10-27. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when IMXI's ethical verdict changes
Today IMXI does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads AVOID: it trades at roughly a 48% discount to our $16.00 fair value, moderate competitive moat.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 47.5% margin of safety to the base estimate.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it gives us pause
At 6.9x forward earnings, the price already runs ahead of the business. Our fair value sits at $16.00, below where it trades today. The moderate moat is real, but quality alone does not make an expensive price cheap.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
IMXI trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-25Distribution$10.85+0.0%Entry 8
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16.
2026-10-18Distribution$10.85-11.6%Entry 7
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 11.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 17.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16. Since the last review it entered the Tech 100; its composite score rose.
2026-09-02Markup · changed$14.95+0.0%Entry 5
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16.
2026-07-18Markdown$14.95+0.0%Entry 3
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 32%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (1 analysts) rates it hold, with a mean price target of $16.
2026-07-03Markdown$14.95+0.0%Entry 2
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Markdown$14.95Entry 1
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.