Intrinsiqq
International Money Express Inc. logoInternational Money Express Inc.IMXI
$9.44-2.58%
International Money Express Inc. logo

International Money Express Inc.

IMXI

$9.44

-$0.25 (-2.58%)

⊜ Compare
ProfitabilityThin marginsGrowthDecliningCash FlowThin conversionValuationFairly valued
What stands out

Operating margin is thin at 9.16%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.

What's changing

Revenue declined 7.7% YoY. Margins deteriorated 5.3pp alongside, both lines moving the wrong way.

What deserves caution

Free cash flow declined 32% versus the prior year, cash generation momentum has weakened. ROIC dropped from 20.71% to 11.88%, capital efficiency is deteriorating.

Valuation context

15.2x earnings, 32.3x FCF. Valuation is in a reasonable range. The main question is whether the business can re-accelerate or if current trajectory is already priced in.

Price History

-35.9%

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$285M
EPS$0.62
P/E15.23
P/FCF32.25
EV/EBITDA6.32
FCF Yield3.1%
Div. Yield—
Net Debt/FCF-1.7x
52-Week Range
$9.44$15.94

Profitability & Returns

Revenue (TTM)

$555M

▼ -7.7% YoY

Net Income (TTM)

$19M

▼ -44.5% YoY

Op. Margin

6.22%

▼ -5.3pp YoY

ROIC

7.20%

▼ -8.8pp YoY

Cash Flow & Balance Sheet

FCF (TTM)

$9M

▼ -31.5% YoY

Op. Cash Flow (TTM)

$31M

▼ -30.5% YoY

Net Debt

-$15M

Net Cash Position

Cash & Equiv.

$151M

5Y CAGR: +11.2%

Continue Research

SourceComputed from the 10-Q filed 3 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 11 Aug 2026. How this is calculated.

Price from market data, last close as of 21 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.

Is International Money Express (IMXI) overvalued?

At a P/E of 15.2 and a price-to-free-cash-flow of 32.3, International Money Express (IMXI) trades above a two-stage DCF intrinsic value of about $5.50 per share, so at $9.44 the stock looks overvalued (41.7% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.

On quality, International Money Express scores 50/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.

Frequently asked

What is International Money Express's fair value?+

Intrinsiqq's two-stage DCF estimates an intrinsic value of about $5.50 per share for IMXI, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $4.13. At today's $9.44, that puts the stock about 41.7% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.

Is International Money Express a high-quality business?+

International Money Express scores 50 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 6.2% operating margin and a 7.2% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.

Is International Money Express a good stock to buy right now?+

That depends on valuation and quality together, not either alone. IMXI currently trades above its estimated intrinsic value and scores 50/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.

Related stocks: Services-Business Services, NEC

Spot a number that looks wrong? Check it in IMXI's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.