International Money Express, Inc.
IMXI · Price history
Price at last available close
$8.67
−$2.98 (-25.58%) 1M
2026-10-28
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Company & revenue
About International Money Express, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
International Money Express, Inc. (IMXI), operating primarily through its subsidiary, specializes in offering global money transfer and related financial processing services. The company's significant operational presence spans across the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. Beyond its core remittance offerings, IMXI provides a comprehensive suite of financial products, including various online payment solutions, prepaid debit cards, and direct deposit payroll card services.
How they make money
International Money Express, Inc. generates revenue primarily through fees charged for money remittance services and foreign exchange spreads. The company operates a multi-channel distribution network that facilitates cross-border transfers, primarily from the United States to Latin America and other regions, earning income on each transaction processed through its proprietary technology platform.
Products & services
Money remittance services, including wire transfers, mobile app-based transfers, and cash-to-cash transfers, supported by a proprietary technology platform and a network of independent agents.
Brands & revenue mix
Primary brand under which the company provides its money remittance services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Calculated from reported segment revenue. Check the source period and revenue basis before comparing shares. Categories can overlap and may not add to 100%.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Individual consumers sending cross-border remittancesSource
Customer concentration
The company does not disclose specific major customers, as its business model relies on a large, fragmented base of individual retail consumers.
Suppliers, materials & equipment
- Independent Agent Network — Third-party retail locations that provide physical points of service for customers to initiate money transfers.Source
Competitors
- The Western Union Company — A global leader in cross-border, cross-currency money movement and payments.Source
Strengths
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly EPS fell 62.2% versus the same quarter last year.
Review net income and weighted-average shares together. Per-share earnings can change because of operating performance, nonrecurring items or the share denominator.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
41
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
62
Fair
Financial Strength
64
Business Quality / Moat
60
Management
87
Growth Quality
17
Risk / Durability
77
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
33
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
43/100
Building Historical Record
Model Score 43/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •M&A headline · Aug 14, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for IMXI
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving IMXI's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is IMXI's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does IMXI's balance between cash and debt leave enough flexibility if business conditions weaken?
- •What future growth or profitability would be needed to justify IMXI's current valuation?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of IMXI's score?
Essential Investment Snapshot
Wall Street Score
41
Opportunity Score
33
Market Cap
$262.5M
P/E Ratio
18.5
EPS
$0.63
52-Week High
$15.95
52-Week Low
$10.36
Beta
0.77
Intrinsic Value
$9.83
Analyst Target
$26.00
Shares Outstanding
30.2M
Total Revenue
$452.0M
Total Debt
$135.4M
Dividend
No current dividend
Liquidation Value / Share
$5.62
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for IMXI
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Aug 14, 2026
Western Union and Intermex Provide Update on Pending Acquisition — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GuruFocusM&A headline · Aug 14, 2026
Western Union and Intermex Provide Update on Pending Acquisition — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Business WireM&A headline · Aug 14, 2026
Western Union and Intermex Provide Update on Pending Acquisition — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on IMXI.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary technology platform for remittance processing.
- +Focused geographic strategy in high-volume remittance corridors.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Software - Infrastructure industry.
- −Significant volatility in foreign exchange rates.
- −Regulatory compliance and anti-money laundering requirements.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
52
Aug 14, 2026
Change
-10.8
points
Current Score
41
Oct 1, 2026
Category Changes
IMXI decreased 10.8 points because Valuation declined by 47.7 points, Buffett declined by 4.7 points.
Negative Contributors
- − Valuation declined by 47.7 points
- − Buffett declined by 4.7 points
Projected Score
Projected Score
37
Projected Change
-4.2 points
Preliminary comparable-period financial changes suggest decline of approximately 4.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$8.69
Model Intrinsic Value
$9.83
Difference
−$1.14
-11.6% vs IV
Margin of Safety
11.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $452.0M | $607.8M | $658.6M | $658.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $455.2M | $388.9M | $68.2M | $436.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | -$3.3M | $218.9M | $590.4M | $222.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $108.5M | $125.8M | $47.9M | $119.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $53.0M | $150.8M | $495.4M | $127.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $56.4M | $76.1M | $108.7M | $108.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$56.3M | $68.1M | $95.0M | $95.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $10.6M | $11.8M | $11.7M | $10.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $27.3M | $47.1M | $83.3M | $85.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $8.6M | $14.4M | $24.4M | $25.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $18.6M | $32.7M | $58.8M | $59.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.63 | $1.09 | $1.81 | $1.67 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 30.11M | 29.94M | 32.43M | 35.60M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 30.61M | 30.18M | 32.85M | 36.43M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$131.2M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.14
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-18.8%
Cash Change
-13.8%
Margin Change
-3.6 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 18.6%. EPS declined 62.2%. Cash declined 13.8%. Total debt declined 18.8%. Net income margin declined by 3.6 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Western Union and Intermex Provide Update on Pending Acquisition
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Rumor Mill · IMXI
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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