📊 IMXI Key Takeaways
Is International Money Express, Inc. (IMXI) a Good Investment?
International Money Express exhibits severe operational deterioration with revenues declining 7.7% YoY and net income collapsing 44.5% YoY despite maintaining a $122M revenue base. Most critically, the company is burning cash with -$42.9M negative free cash flow, indicating the business cannot sustain itself from operations and is dependent on cash reserves for survival.
IMXI shows solid balance sheet flexibility and strong returns on equity, but fundamentals are under pressure with declining revenue, sharply lower earnings, and thin free cash flow. While operating profitability and interest coverage remain healthy, near-term growth and margin trends must stabilize before a more constructive view is warranted.
Why Buy International Money Express, Inc. Stock? IMXI Key Strengths
- Strong cash position of $170.3M provides short-term liquidity buffer
- Current ratio of 2.84x indicates adequate working capital management
- Substantial asset base of $565.9M provides structural foundation
- Strong liquidity (2.51x current/quick) and $169M cash
- Healthy interest coverage (20.6x) with manageable leverage (1.21x D/E)
- High ROE (20.3%) indicating efficient capital use
IMXI Stock Risks: International Money Express, Inc. Investment Risks
- Operating cash flow negative $37.4M signals fundamental business model distress
- Net margin of 0.4% and operating margin of 3.0% are unsustainably low with profitability collapsing YoY
- Interest coverage of 1.4x on $240.8M debt is dangerously tight; debt-to-equity of 1.48x limits financial flexibility
- Top-line contraction (-7.7% YoY) suggests competitive or macro pressure
- Earnings deterioration (-44.5% YoY) and margin compression
- Weak free cash flow margin (2.6%) limits financial flexibility
Key Metrics to Watch
- Operating cash flow return to positive; current burn rate is unsustainable
- Revenue stabilization and margin recovery; cost structure requires immediate restructuring
- Debt service capability as interest coverage deteriorates with declining profitability
- Revenue growth (YoY)
- Free cash flow margin
International Money Express, Inc. (IMXI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.84x current ratio provides a solid financial cushion.
IMXI Profit Margin, ROE & Profitability Analysis
IMXI vs Services Sector: How International Money Express, Inc. Compares
How International Money Express, Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is International Money Express, Inc. Stock Overvalued? IMXI Valuation Analysis 2026
Based on fundamental analysis, International Money Express, Inc. shows some fundamental concerns relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
International Money Express, Inc. Balance Sheet: IMXI Debt, Cash & Liquidity
IMXI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: International Money Express, Inc.'s revenue has grown significantly by 43% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.63 reflects profitable operations.
IMXI Revenue Growth, EPS Growth & YoY Performance
IMXI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $122.0M | $511.0K | $0.02 |
| Q3 2025 | $154.9M | $5.0M | $0.17 |
| Q2 2025 | $161.1M | $11.0M | $0.37 |
| Q1 2025 | $144.3M | $7.8M | $0.25 |
| Q3 2024 | $171.9M | $14.8M | $0.41 |
| Q2 2024 | $169.2M | $14.0M | $0.42 |
| Q1 2024 | $145.4M | $11.8M | $0.31 |
| Q3 2023 | $140.8M | $14.8M | $0.41 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
International Money Express, Inc. Dividends, Buybacks & Capital Allocation
IMXI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for International Money Express, Inc. (CIK: 0001683695)
📋 Recent SEC Filings
❓ Frequently Asked Questions about IMXI
What is the AI rating for IMXI?
International Money Express, Inc. (IMXI) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 75% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are IMXI's key strengths?
Claude: Strong cash position of $170.3M provides short-term liquidity buffer. Current ratio of 2.84x indicates adequate working capital management. ChatGPT: Strong liquidity (2.51x current/quick) and $169M cash. Healthy interest coverage (20.6x) with manageable leverage (1.21x D/E).
What are the risks of investing in IMXI?
Claude: Operating cash flow negative $37.4M signals fundamental business model distress. Net margin of 0.4% and operating margin of 3.0% are unsustainably low with profitability collapsing YoY. ChatGPT: Top-line contraction (-7.7% YoY) suggests competitive or macro pressure. Earnings deterioration (-44.5% YoY) and margin compression.
What is IMXI's revenue and growth?
International Money Express, Inc. reported revenue of $122.0M.
Does IMXI pay dividends?
International Money Express, Inc. does not currently pay dividends.
Where can I find IMXI SEC filings?
Official SEC filings for International Money Express, Inc. (CIK: 0001683695) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is IMXI's EPS?
International Money Express, Inc. has a diluted EPS of $0.02.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is IMXI a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, International Money Express, Inc. has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is IMXI stock overvalued or undervalued?
Valuation metrics for IMXI: ROE of 0.3% (sector avg: 16%), net margin of 0.4% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy IMXI stock in 2026?
Our dual AI analysis gives International Money Express, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is IMXI's free cash flow?
International Money Express, Inc.'s operating cash flow is $-37.4M, with capital expenditures of $5.5M. FCF margin is -35.1%.
How does IMXI compare to other Services stocks?
Vs Services sector averages: Net margin 0.4% (avg: 10%), ROE 0.3% (avg: 16%), current ratio 2.84 (avg: 1.5).