IMXI
International Money Express, Inc.
Technology · Software - Infrastructure · NCM
$15.15
Close 2026-05-14
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$455.9M
Trailing P/E
18.70
Forward P/E
8.54
Rev Growth
-14.9%
Profit Margin
4.3%
ROE
16.8%
Analyst Target
$16.00
Recommendation
HOLD
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.

Opportunity Summary
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.
Ethical Screen
Business ActivityPASS
Debt Ratio (0.58%)FAIL
Cash Ratio (0.37%)FAIL
Receivables Ratio (0.00%)PASS
Revenue Ratio (0.00%)PASS
OverallFAIL
Score Ethical: 10.0
Score Valuation: 95.0
Score Quality: 44.2
Score Combined: 47.3
Fair Value Est: $26.62 · Margin of Safety: +75.7% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality40.1
Cash Flow50.0
Moat50.0
Balance Sheet38.6
Debt Purity0.0
Liquid Purity0.0
Rev Purity100.0
Compliance29.4
Tier: SILVER · Score: 67.1 · Rank: #342
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2026-08-100.24Pending--
2026-05-110.350.13-63.2%
2026-03-060.440.42-3.8%
2025-11-100.530.38-28.7%
2025-08-110.500.51+1.7%
2025-05-070.420.35-15.8%
2025-02-260.600.57-4.8%
2024-11-080.580.61+4.7%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2026-03-31$122.0M$511.0K$8.4M$42.9M$4.8M0.02
2025-12-31$147.4M$8.9M$19.5M$53.2M$14.9M
2025-09-30$154.9M$5.0M$14.9M$56.3M$15.9M0.17
2025-06-30$161.1M$11.0M$23.9M$58.9M$21.7M0.37
2025-03-31$144.3M$7.8M$17.7M$50.5M$15.6M0.25
2024-12-310.50
Insider Transactions
DateNameRoleSharesValue
2026-04-01MAYDON LAURA I.Director127$2.0K
2026-04-01BRADFORD DEBRA A.Director159$2.5K
2026-04-01PURCELL MICHAEL J.Director989$15.6K
2026-03-31LISY ROBERTChief Executive Officer117,500--
2026-02-06LISY ROBERTChief Executive Officer300,644$4.7M
2026-02-06AGUILAR JOSEPHOfficer38,586$600.0K
2026-02-06BENDE ANDRAS QUINNChief Financial Officer57,878$900.0K
2026-02-06HUNT CHRISTOPHER DChief Operating Officer57,878$900.0K
2025-12-31MAYDON LAURA I.Director131$2.0K
2025-12-31BRADFORD DEBRA A.Director163$2.5K
Top Institutional Holders
HolderSharesValue% Held
Alliancebernstein L.P.2.3M$34.8M0.1%
Blackrock Inc.2.1M$31.4M0.1%
Magnetar Financial LLC1.9M$29.3M0.1%
Man Group PLC1.3M$19.8M0.0%
Vanguard Capital Management LLC1.2M$18.6M0.0%
FIL LTD1.2M$18.3M0.0%
Geode Capital Management, LLC853.4K$13.0M0.0%
LSV Asset Management720.2K$11.0M0.0%
American Century Companies Inc698.5K$10.6M0.0%
Capula Management Ltd630.2K$9.6M0.0%
Analyst Recommendations
3 Months Ago
5
5 analysts
2 Months Ago
5
5 analysts
Last Month
5
5 analysts
Current
5
5 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
$550.0M
Price/Book
2.82
Beta
0.780
Analysts
1
Total Revenue (TTM)
$589.3M
Total Debt
$262.3M
Earnings Growth
-93.2%
Rec. Mean
3.00
Short Ratio
3.77
Short % Float
0.0%
Employees
1,096

Elite Intelligence

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Trade Consideration
The Opportunity
Score 47.3 (P67 — top 32.9% of scored tickers). Moderate Moat. Ethical FAIL. 1 analysts at Hold.
Price: $15.15 | Target: $16.00 (+6%) | Fair Value: $26.62 (+76%)
Score
47
Moat
MODERATE
Conviction
Standard
Upside
+6%
The Fundamentals
Revenue Growth-14.9%
Profit Margin4.3%
ROE16.8%
Forward P/E8.5
Market Cap$455.9M
Earnings Track Record
DateEstimateReportedSurprise
2026-08-10$0.24Pending
2026-05-11$0.35$0.13-63.2%
2026-03-06$0.44$0.42-3.8%
2025-11-10$0.53$0.38-28.7%
2025-08-11$0.50$0.51+1.7%
2025-05-07$0.42$0.35-15.8%
Position Sizing Scenarios
Stop: $12.88 (-15%) | Entry: $15.15
SharesCostProfit to TargetR:R
To Consensus ($16.00, 1 analysts)
10$151.50+$8.50 (6%)0.4R
50$757.50+$42.50 (6%)0.4R
100$1,515.00+$85.00 (6%)0.4R
To Fair Value ($26.62)
10$151.50+$114.70 (76%)5.1R
50$757.50+$573.50 (76%)5.1R
100$1,515.00+$1,147.00 (76%)5.1R
Risk Factors
  • Elevated short interest (3.77 days to cover)
The Verdict
International Money Express, Inc. holds a moderate competitive moat and trades at a 75.7% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
42.8
Risk Grade
LOW_RISK
Layers
8
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.2%
worst expected daily loss, 19 in 20 days
CVaR 95%
-6.3%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
-0.41
above 1.0 is good
Max Drawdown
-60.9%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
65
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
LOWER_HALF
Beta
Relative Volume
1.8x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
25.0%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
BGSI0.397
IOSP0.324
RDNT0.320
CRON0.302
UFCS0.293
Inverse Correlated
TickerCorrelation
SOFO-0.245
0823EA.KL-0.208
MNDY-0.179
4163.SR-0.166
4332.SR-0.158
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Monday
Worst Day
Wednesday
Best Month
Aug
Worst Month
Feb
Fri-Mon Effect
-0.3967027718440206
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
+0.2%
Beat Drift Positive %
50.0%
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-4.4%
3M Return
-3.4%
6M Return
+1.0%
12M Return
+37.8%
Momentum Rank
#2547
Momentum Signal
FLAT

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