International Money Express, Inc. (IMXI) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$0.35	$0.23	-34.3%	—	$131.2M	—
Q1 26	$0.35	$0.13	-62.9%	—	$122M	—
Q4 25	$0.44	$0.42	-4.5%	—	$147.4M	—
Q3 25	$0.53	$0.38	-28.3%	—	$154.9M	—
Q2 25	$0.5	$0.51	+2.0%	—	$161.1M	—
Q1 25	$0.42	$0.35	-16.7%	—	$144.3M	—
Q4 24	$0.6	$0.57	-5.0%	—	$164.8M	—
Q3 24	$0.58	$0.61	+5.2%	—	$171.9M	—
Q2 24	$0.57	$0.55	-3.5%	—	$171.5M	—
Q1 24	$0.4	$0.43	+7.5%	—	$150.4M	—
Q4 23	$0.52	$0.56	+7.7%	—	$171.8M	—
Q3 23	$0.5	$0.51	+2.0%	—	$172.4M	—
Q2 23	$0.52	$0.5	-3.8%	—	$169.2M	—
Q1 23	$0.39	$0.38	-2.6%	—	$145.4M	—
Q4 22	$0.43	$0.46	+7.0%	—	$154.4M	—
Q3 22	$0.45	$0.54	+20.0%	—	$140.8M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$1.09	—	—	$607.8M	—
FY24	—	$1.81	—	—	$658.6M	—
FY23	—	$1.67	—	—	$658.7M	—
FY22	—	$1.52	—	—	$546.8M

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$165.4M	$201M	$273.9M	$319.6M	$357.2M	$459.2M	$546.8M	$658.7M	$658.6M	$607.8M
YoY change	+33.2%	+21.6%	+36.2%	+16.7%	+11.8%	+28.6%	+19.1%	+20.5%	-0.01%	-7.72%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	165.4M	201M	273.9M	319.6M	357.2M	459.2M	546.8M	658.7M	658.6M	607.8M
Cost of revenue	108.1M	135.5M	182.5M	212.7M	238.6M	307.5M	364.8M	430.9M	429M	388.9M
Gross profit	57.3M	65.6M	91.4M	106.9M	118.6M	151.7M	182M	227.9M	229.7M	218.9M
Gross margin	34.7%	32.6%	33.4%	33.5%	33.2%	33%	33.3%	34.6%	34.9%	36%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	31.8M	47.1M	62.7M	57.8M	54.9M	73.4M	86.6M	119.1M	116.1M	125.8M
Operating expenses	30.6M	45.9M	60.9M	55.5M	52.4M	70.3M	81.9M	109.8M	116.1M	125.8M
Operating income	23M	1.8M	13.1M	36.4M	52.9M	68.9M	85.9M	95.9M	99.9M	68.1M
Operating margin	13.9%	0.9%	4.77%	11.4%	14.8%	15%	15.7%	14.6%	15.2%	11.2%
Non-operating income, net	—	—	—	—	—	-1M	-3M	-445K	-4.9M	-9.1M
Pretax income	13.5M	-9.6M	-5.4M	27.9M	46.3M	63.3M	77.3M	85.1M	83.3M	47.1M
Income tax	4.1M	534.4K	1.9M	8.3M	12.5M	16.5M	19.9M	25.5M	24.4M	14.4M
Net income	9.4M	-10.2M	-7.2M	19.6M	33.8M	46.8M	57.3M	59.5M	58.8M	32.7M
Net margin	5.68%	-5.06%	-2.64%	6.14%	9.46%	10.2%	10.5%	9.03%	8.93%	5.38%
EBITDA	25.6M	18.5M	28.7M	49.1M	63.7M	78.3M	95.4M	108.8M	113.5M	88.5M
EPS	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81	1.09
Diluted EPS	0.26	-0.28	-0.28	0.52	0.88	1.2	1.48	1.63	1.79	1.08

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	172.4M	171.8M	150.4M	171.5M	171.9M	164.8M	144.3M	161.1M	154.9M	147.4M	122M	131.2M
Cost of revenue	112.9M	110.9M	116M	130.3M	111.3M	106.3M	93.8M	102.3M	98.6M	94.2M	79.1M	85.8M
Gross profit	59.6M	60.9M	34.4M	41.3M	60.6M	58.4M	50.5M	58.9M	56.3M	53.2M	42.9M	45.3M
Gross margin	34.5%	35.5%	22.9%	24.1%	35.2%	35.5%	35%	36.5%	36.3%	36.1%	35.1%	34.5%
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	30.7M	29.4M	11.6M	12.3M	29.4M	27.9M	29.3M	30.9M	33.8M	31.8M	30.4M	28.5M
Operating expenses	28.3M	26.5M	11.6M	12.3M	29.4M	27.9M	29.3M	30.9M	33.8M	31.8M	30.4M	28.5M
Operating income	25.4M	28.1M	19.6M	25.6M	27.9M	26.8M	15.6M	21.7M	15.9M	14.9M	4.8M	9.5M
Operating margin	14.7%	16.4%	13%	14.9%	16.2%	16.3%	10.8%	13.5%	10.3%	10.1%	3.97%	7.21%
Non-operating income, net	-1.1M	—	—	-2.7M	-27K	-2.1M	-1.5M	-2.2M	-5.4M	-77K	-1.2M	-700K
Pretax income	21.5M	24.9M	16.9M	19.8M	24.6M	22M	11.4M	16.4M	7.6M	11.8M	1.5M	6.4M
Income tax	6.6M	7.4M	4.8M	5.8M	7.3M	6.6M	3.6M	5.4M	2.6M	2.9M	955K	2.2M
Net income	14.8M	17.5M	12.1M	14M	17.3M	15.4M	7.8M	11M	5M	8.9M	511K	4.2M
Net margin	8.6%	10.2%	8.05%	8.18%	10.1%	9.34%	5.38%	6.83%	3.2%	6.06%	0.42%	3.21%
EBITDA	28.9M	31M	22.8M	29M	31.2M	30.5M	19.2M	26.1M	20.3M	22.9M	9.5M	14.2M
EPS	0.42	0.51	0.36	0.43	0.53	0.5	0.25	0.37	0.17	—	0.02	0.14
Diluted EPS	0.41	0.49	0.35	0.42	0.53	0.49	0.25	0.37	0.17	—	0.02	0.14

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	358.9M	—	—	590.7M	614M	919.6M	786.5M	675.5M	459.9M	352M
Enterprise value	—	411.7M	—	—	603.4M	564.7M	953.8M	763.2M	726.7M	507.7M	336.8M
Shares outstanding	36.2M	36.2M	25.9M	37.7M	38.1M	38.5M	37.7M	35.6M	32.4M	29.9M	29.9M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	—	—	17.5	13.1	16	13.2	11.5	14.1	19.1
P/S	—	1.79	—	—	1.65	1.34	1.68	1.19	1.03	0.76	0.63
P/B	—	10	—	—	6.27	4.29	6.13	5.28	5.01	2.86	2.08
EV/EBITDA	—	22.3	—	—	9.47	7.21	10	7.01	6.4	5.74	5.01
EV/Sales	—	2.05	—	—	1.69	1.23	1.74	1.16	1.1	0.84	0.61
Earnings yield	—	—	—	—	5.72%	7.63%	6.23%	7.57%	8.71%	7.1%	5.24%
FCF yield	—	0.85%	—	—	-0.84%	11%	0.33%	16.6%	3.42%	3.44%	0.65%
PEG	—	—	—	—	—	—	—	—	—	—	-0.31

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	34.7%	32.6%	33.4%	33.5%	33.2%	33%	33.3%	34.6%	34.9%	36%	34.5%
Operating margin	13.9%	0.9%	4.77%	11.4%	14.8%	15%	15.7%	14.6%	15.2%	11.2%	7.21%
Net margin	5.68%	-5.06%	-2.64%	6.14%	9.46%	10.2%	10.5%	9.03%	8.93%	5.38%	3.35%
ROE	288.5%	-28.3%	-16.3%	35%	35.8%	32.7%	38.2%	39.9%	43.6%	20.3%	11.9%
ROA	7.91%	-4.7%	-3.21%	8.63%	13%	13.8%	11.2%	10.3%	12.7%	6.31%	6.29%
ROIC	36.7%	2.04%	14.7%	39.7%	36.1%	54.4%	34.6%	53.4%	37.9%	22.6%	20%
Return on tangible assets	8.86%	-21.8%	-9%	19.6%	23.1%	19.7%	15.4%	13.8%	19.7%	9.1%	6.31%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	2.01	1.64	2.04	1.77	2.22	2.26	2.07	1.94	1.96	2.51	1.96
Quick ratio	2.01	1.64	2.04	1.77	2.22	2.26	2.07	1.94	1.96	2.51	1.96
Debt / equity	23.9	3.12	2.64	1.69	0.93	0.58	1.23	1.45	1.35	1.34	0.8
Debt / assets	0.66	0.52	0.52	0.42	0.34	0.24	0.36	0.37	0.39	0.42	0.3
Net debt / EBITDA	1.58	2.86	1.54	0.17	0.2	-0.63	0.36	-0.21	0.45	0.54	-0.23
Interest coverage	2.41	0.16	0.71	4.28	8.05	15	14.7	9.16	8.09	4.98	3.58
Effective tax rate	30.3%	0%	0%	29.8%	27%	26%	25.8%	30%	29.4%	30.6%	31.7%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	4.57	5.56	10.6	8.48	9.39	11.9	14.5	18.5	20.3	20.3	18.6
EPS (basic)	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81	1.09	1.09
EPS (diluted)	0.26	-0.28	-0.28	0.52	0.88	1.2	1.48	1.63	1.79	1.08	0.61
Book value per share	0.09	0.99	1.72	1.48	2.48	3.72	3.97	4.19	4.16	5.38	5.61
FCF per share	0.54	0.08	0.56	1.22	-0.13	1.75	0.08	3.67	0.71	0.53	0.29
Cash per share	1.04	1.63	2.82	2.28	1.97	3.44	3.96	6.72	4.02	5.63	4.99
Capex per share	0.08	0.12	0.21	0.17	0.11	0.28	0.32	0.36	0.92	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.82%	2.16%	1.95%	2.02%	1.14%	2.31%	2.23%	1.94%	4.55%	—	—
Capex / operating cash flow	42.5%	-26.2%	10.8%	16.6%	12.9%	15%	42.8%	18%	30%	—	—
Payout ratio	13.7%	-198.3%	0%	0%	—	—	—	—	—	—	0%
Dividend yield	—	5.62%	—	—	—	—	—	—	—	—	—

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$172.4M	$171.8M	$150.4M	$171.5M	$171.9M	$164.8M	$144.3M	$161.1M	$154.9M	$147.4M	$122M	$131.2M
YoY change	+22.5%	+11.2%	+3.47%	+1.41%	-0.28%	-4.09%	-4.06%	-6.06%	-9.9%	-10.5%	-15.5%	-18.6%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	37.6M	59.2M	73M	86.1M	74.9M	132.5M	149.5M	239.2M	130.5M	168.7M
Receivables	27.8M	51.4M	35.8M	39.8M	55M	67.3M	129.8M	155.2M	107.1M	105.4M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	77.1M	119.1M	138.7M	148.2M	186.7M	263.5M	382.4M	432.9M	297.8M	353.2M
Property, plant & equipment	6.2M	8.5M	10.4M	13.3M	13M	17.9M	52.4M	59.2M	68.2M	72.9M
Goodwill & intangibles	12.7M	170M	145.3M	127.3M	113.4M	103.3M	139.2M	144.3M	164.1M	158.8M
Total assets	118.8M	216.6M	225.8M	227.3M	259.5M	340.5M	512.1M	576.8M	462.4M	517.7M
Accounts payable	5.9M	8.9M	11.4M	13.4M	12.8M	23.2M	25.7M	36.5M	19.5M	15.3M
Short-term debt	849.8K	3.9M	3.9M	7M	7M	3.9M	10.2M	12.1M	6.5M	6.2M
Total current liabilities	38.3M	72.6M	68M	83.7M	83.9M	116.9M	184.8M	223.4M	152M	141M
Long-term debt	77.2M	108.1M	113.3M	87.6M	80.6M	79.2M	173.5M	203.7M	175.2M	210.3M
Total liabilities	115.5M	180.7M	181.4M	171.3M	165.2M	197.5M	362.2M	427.8M	327.5M	356.6M
Shareholders' equity	3.3M	35.9M	44.5M	56M	94.3M	143M	149.9M	149M	134.9M	161.1M
Total debt	78M	112M	117.3M	94.7M	87.6M	83.1M	183.7M	215.9M	181.7M	216.5M
Net debt	40.4M	52.8M	44.2M	8.6M	12.7M	-49.4M	34.2M	-23.3M	51.2M	47.8M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	222.4M	239.2M	218.8M	233.2M	156.6M	130.5M	151.8M	174.7M	151.6M	168.7M	170.3M	150.6M
Receivables	163M	155.2M	149.1M	199.5M	126.3M	107.1M	131M	141.7M	119.2M	105.4M	106.3M	99.7M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	482.3M	432.9M	401.8M	462.7M	325.8M	297.8M	325.9M	351.2M	311.2M	353.2M	402.4M	285.7M
Property, plant & equipment	52.2M	59.2M	63.6M	66.6M	69.3M	68.2M	70.3M	70.5M	74M	72.9M	74.3M	76M
Goodwill & intangibles	146.3M	144.3M	142.2M	140.2M	141.7M	164.1M	162.5M	164.2M	163.5M	158.8M	156.7M	154.7M
Total assets	619.6M	576.8M	548.7M	612.4M	480.9M	462.4M	490.6M	518M	478.7M	517.7M	565.9M	449.6M
Accounts payable	33.3M	36.5M	40.3M	38.4M	29.6M	19.5M	23.4M	26.3M	18.3M	15.3M	15.4M	21.7M
Short-term debt	11.8M	12.1M	13.1M	14.1M	6.5M	6.5M	6.4M	6.5M	6.2M	6.2M	6.1M	6.1M
Total current liabilities	244M	223.4M	238.6M	246.4M	180.9M	152M	186.5M	215.5M	153.5M	141M	141.8M	145.8M
Long-term debt	215.6M	203.7M	171.7M	223.6M	158.2M	175.2M	164.9M	160.3M	174.9M	210.3M	256.2M	129.3M
Total liabilities	462M	427.8M	410.5M	470M	339.1M	327.5M	351.3M	375.8M	329M	356.6M	403.3M	280.1M
Shareholders' equity	157.6M	149M	138.2M	142.4M	141.8M	134.9M	139.2M	142.3M	149.7M	161.1M	162.7M	169.6M
Total debt	227.4M	215.9M	184.8M	237.7M	164.7M	181.7M	171.3M	166.8M	181.1M	216.5M	262.3M	135.4M
Net debt	4.9M	-23.3M	-34M	4.5M	8M	51.2M	19.5M	-7.9M	29.5M	47.8M	92M	-15.2M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	9.4M	-10.2M	-7.2M	19.6M	33.8M	46.8M	57.3M	59.5M	58.8M	32.7M
Depreciation & amortization	2.5M	16.6M	15.7M	12.7M	10.8M	9.5M	9.5M	12.9M	13.6M	17.2M
Stock-based compensation	63K	1.8M	5.8M	2.6M	3.2M	4.6M	7.1M	8.1M	7M	9.3M
Change in working capital	-11.3M	-25.6M	30.6M	1.6M	-18.5M	8.1M	-49.1M	-14.8M	12.6M	-32.8M
Operating cash flow	7.1M	-16.6M	49.5M	39.1M	31.5M	70.7M	28.4M	71.2M	100.1M	36.9M
Capital expenditure	-3M	-4.4M	-5.3M	-6.5M	-4.1M	-10.6M	-12.2M	-12.8M	-30M	—
Investing cash flow	-3M	-5.3M	-5.5M	-6.7M	-4.1M	-10.8M	-12.5M	-18.3M	-43.9M	-1.4M
Dividends paid	-1.3M	-20.2M	0	0	—	—	—	—	—	—
Share repurchases	-34M	0	0	0	0	-5.6M	-53.7M	-66.3M	-75.1M	-16.3M
Financing cash flow	-558K	12.9M	-1.1M	-33.2M	-7.7M	-13.4M	88.4M	-38.4M	-113.5M	20.7M
Net change in cash	3.5M	-8.9M	43M	-865K	19.8M	46.5M	104.3M	14.5M	-57.4M	56.2M
Free cash flow	19.4M	3.1M	14.5M	46.1M	-4.9M	67.5M	3M	130.7M	23.1M	15.8M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	14.8M	17.5M	12.1M	14M	17.3M	15.4M	7.8M	11M	5M	8.9M	511K	4.2M
Depreciation & amortization	3.5M	3.4M	3.2M	3.4M	3.4M	3.7M	3.6M	4.5M	4.4M	4.7M	4.7M	4.8M
Stock-based compensation	2.3M	1.9M	2.2M	2.4M	2.3M	186K	2.1M	2.1M	2.8M	2.3M	2.5M	2.6M
Change in working capital	-29M	19.8M	5.5M	-61.8M	59.8M	9.2M	-23.9M	-17.8M	7.8M	1.1M	-949K	5.2M
Operating cash flow	-6.4M	42.5M	24.6M	-40.9M	85.1M	31.4M	-8.7M	39.9M	-28.7M	-15.6M	-37.4M	112.7M
Capital expenditure	-3.2M	-5.1M	-13.5M	-6.7M	-5.9M	-3.9M	-5.3M	—	—	—	—	—
Investing cash flow	-3.2M	-5.1M	-13.5M	-6.7M	-7.7M	-16.1M	-5.3M	—	-1M	-200K	—	—
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	-10.1M	-25.6M	-23.4M	-11.2M	-20.3M	-20.2M	-5M	-11.4M	0	0	0	0
Financing cash flow	-4.7M	-30.3M	-53.6M	15.7M	-94.3M	-2.1B	-14.2M	-2.1B	-2B	-2B	46M	-2B
Net change in cash	-14.3M	7.1M	-42.5M	-31.9M	-16.9M	-2.1B	-28.2M	-2.1B	-2.1B	-2B	8.6M	-1.9B
Free cash flow	79.3M	56M	34.8M	-26.2M	23.4M	-8.8M	36M	35.4M	-35.5M	-20M	-42.9M	107.2M

International Money Express, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement