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INTERNATIONAL MONEY EXPRESS, INC.

IMXI Technology Software Infrastructure

INTERNATIONAL MONEY EXPRESS, INC.’s revenue for fiscal 2025 (year ended December 2025) was $607.8 million, down 7.72% from fiscal 2024.

Revenue
−18.6%
EPS
−62.2%
Free cash flow
+203.5%
Total debt
−19.3%

Quarter to June 2026, against a year earlier

7.11 0.19 −2.60%
Market cap
$220.6M
P/E
11.6×
Fwd P/E
19.3×
Dividend yield
—
F-score
5/9
Altman Z
3.58
Beneish M
−2.59
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.41%

Capital & Financial Ratios $m

Size
Market Cap 220.55
Revenue ttm 555.45
Net income ttm 18.61
Free cash flow ttm 9.25
Net debt Q (21.31)
Valuation
P/E 11.60
Forward P/E 19.30
Price / sales 0.40
Forward P/S Powerpack
Price / FCF 23.80
Price / book 1.30
Financial health
Current ratio Q 1.96 (at or above 1.5: strong)
Debt / equity Q 0.76
Interest coverage Q 3.77
Growth
Revenue growth Q −18.60% (below 0%: shrinking)
Operating income growth Q −55.03% (below 0%: shrinking)
EPS, this year −53.65% (below 0%: weak)
EPS, next year A +91.69% (at or above 15%: strong)
Revenue, next year A −14.43% (below 0%: weak)
EPS, past 5 yrs +4.18%
EPS, next 5 yrs A −9.47% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 0.4×, against a ten-year median of 1.2×; over the ten years it ranged from 0.4× in 2026 to 2.0× in 2022.
P/E against its own 10 years 20.38%
10-year low 10-year high
P/S against its own 10 years 0.05%
10-year low 10-year high
P/B against its own 10 years 13.17%
10-year low 10-year high
EV/Sales against its own 10 years 0.05%
10-year low 10-year high
EV/FCF against its own 10 years 65.80%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 239 131 169 151
Receivables 155 107 105 100
Inventory — — — —
Other — — — —
433 298 353 286
2023 2024 2025 Q'26
Payables 37 20 15 22
ST’ Debt 7 — — —
Other 125 85 88 85
223 152 141 146

Compound Annual Growth %

10y 5y 3y
Sales — 11.22% 3.59%
Cash Flow 0.00% 0.00% 34.46%
Earnings 0.00% (0.67%) (17.09%)
Book Value 0.00% 11.31% 2.42%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.56 Actual 0.23

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.49 0.51 Beat by 0.02
Q3 FY25 0.54 0.38 Miss by 0.16
Q1 FY26 0.41 0.13 Miss by 0.28
Q2 FY26 0.56 0.23 Miss by 0.33

EPS $

Mar Jun Sep Dec Year
’26 0.02 0.14 — — —
’25 0.25 0.37 0.17 0.29 1.08
’24 0.35 0.42 0.53 0.49 1.79
’23 0.31 0.42 0.41 0.49 1.63
’22 0.30 0.41 0.43 0.35 1.48
’21 0.23 0.34 0.29 0.33 1.20
’20 0.15 0.24 0.25 0.25 0.88
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 122 131 — — —
’25 144 161 155 147 608
’24 150 172 172 165 659
’23 145 169 172 172 659
’22 115 137 141 154 547
’21 95 117 121 127 459
’20 77 85 96 99 357
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (37) 113 — — —
’25 41 40 (29) (16) 37
’24 48 (20) 29 (5) 53
’23 1 (1) 82 61 144
’22 33 (29) (14) 25 15
’21 (32) 103 (10) 17 78
’20 19 3 10 (32) (1)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (43) 107 — — —
’25 36 35 (35) (20) 16
’24 35 (26) 23 (21) 11
’23 (1) (4) 79 56 131
’22 29 (31) (17) 22 3
’21 (34) 101 (12) 12 68
’20 18 2 9 (34) (5)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 165 215 274 320 357 459 547 659 659 608 555 +15.6% 520 512 539 (3.9%)
Gross margin, % 22.91 13.87 17.59 23.85 24.01 23.45 23.18 23.87 24.23 21.95 20.57 (1.0) pt
EBT 13 (15) (5) 28 46 63 77 85 83 47 27 +14.9%
EBT margin, % 8.15 (7.04) (1.96) 8.74 12.96 13.79 14.13 12.91 12.64 7.75 4.91 (0.4) pt
Net income 9 (13) (7) 20 34 47 57 60 59 33 19 +14.8%
Per share, $
Per share, $ Revenue 31.37 12.51 10.75 8.54 9.39 11.94 14.49 18.50 20.31 20.30 18.45 (4.7%)
Earnings 0.00 (0.78) (0.28) 0.52 0.89 1.22 1.52 1.67 1.81 1.09 0.63 n/m
Cash flow 4.25 0.93 0.78 1.40 (0.02) 2.03 0.40 4.03 1.64 1.23 1.03 (12.8%)
Capex (0.57) (0.27) (0.21) (0.17) (0.11) (0.28) (0.32) (0.36) (1.29) (0.69) (0.72) +2.1%
Free cash flow 3.68 0.67 0.57 1.23 (0.13) 1.75 0.08 3.67 0.34 0.54 0.31 (19.2%)
Book value 0.00 2.08 1.75 1.50 2.48 3.72 3.97 4.19 4.16 5.38 5.63 +122.7%
Shares, m 5 17 25 37 38 38 38 36 32 30 30 +21.3%
Valuation, ×
Valuation, × P/E 0.00 0.00 0.00 22.72 17.44 13.19 15.83 13.08 11.45 14.09 11.60 10.8
P/S 0.00 0.00 1.11 1.41 1.65 1.34 1.65 1.19 1.03 0.76 0.40 1.0
P/B 0.00 4.77 6.85 8.05 6.27 4.29 6.02 5.25 5.01 2.86 1.30 4.9
EV/Sales 0.00 0.00 1.27 1.44 1.69 1.23 1.70 1.14 1.11 0.84 0.37 1.0
EV/FCF 0.00 19.54 24.06 9.97 (122.10) 8.36 310.17 5.77 65.70 31.43 22.39 35.3
Cash, $m
Cash, $m Operating cash flow 22 16 20 53 (1) 78 15 144 53 37 31 +5.7%
Capex (3) (5) (5) (6) (4) (11) (12) (13) (42) (21) (22) +23.9%
Free cash flow 19 11 15 46 (5) 68 3 131 11 16 9 (2.0%)
Balance, $m
Balance, $m Working capital 0 46 71 65 103 147 198 210 146 212 140 n/m
Net debt 0 53 44 9 13 (49) 29 (28) 45 42 (21) +87.0%
Shareholders’ equity 0 36 44 56 94 143 150 149 135 161 170 +169.9%
Returns, %
Returns, % ROA 3,995.75 (12.43) (3.27) 8.65 13.88 15.61 13.45 10.93 11.32 6.67 3.85 (3,989.1) pt
ROIC 8,444.84 (2.18) 9.21 35.30 30.89 45.28 28.97 49.43 33.06 17.16 14.56 (8,427.7) pt
ROE 98,947.37 (75.12) (18.03) 39.05 44.98 39.48 39.14 39.82 41.43 22.08 11.94 (98,925.3) pt
People
People Employees 0 0 690 786 262 884 1,182 1,387 1,303 531 — n/m
Revenue/emp, $m 0.00 0.00 0.40 0.41 1.36 0.52 0.46 0.47 0.51 1.14 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

INTERNATIONAL MONEY EXPRESS, INC. vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IMXI INTERNATIONAL MONEY EXPRESS, INC. $220.6M 11.6× 19.3× −18.60% (below 0%: shrinking) −62.16% (below 0%: shrinking) +203.48% (above 0%: growing) 20.76% 6.67%
SUPX SuperX AI Technology Limited $219.6M — — — — −135,337.38% (below 0%: shrinking) — — Compare
ARQQ Arqit Quantum Inc. $213.7M 153× — (loss-making) +1,196.45% (above 0%: growing) n/m −12,314.98% (below 0%: shrinking) 0.00% 0.00% Compare
XNET Xunlei Limited $202.7M — (loss-making) — +38.73% (above 0%: growing) n/m +309.97% (above 0%: growing) 56.13% (4.67%) Compare
NUAI New Era Energy & Digital, Inc. $191.2M — (loss-making) — −82.54% (below 0%: shrinking) n/m −399.88% (below 0%: shrinking) 100.00% (46,250.68%) Compare
KDK Kodiak AI, Inc. $190.8M — (loss-making) — +595.63% (above 0%: growing) n/m −60.60% (below 0%: shrinking) 100.00% (1,248.27%) Compare
QNC Quantum eMotion Corp. $188.7M — (loss-making) — (loss-making) — n/m −59.64% (below 0%: shrinking) 100.00% (309,745.45%) Compare
BKKT Bakkt Holdings, Inc. $187.9M — (loss-making) 1.8× −70.05% (below 0%: shrinking) n/m −401.44% (below 0%: shrinking) 1.30% (11.53%) Compare
GRRR Gorilla Technology Group Inc. $177.3M — (loss-making) — (loss-making) +223.14% (above 0%: growing) n/m −128.98% (below 0%: shrinking) 21.09% (145.44%) Compare
Median of peers $191.0M — — +130.93% — −264.43% 56.13% (145.44%)

All 183 Software Infrastructure stocks →

Pay and ownership Proxy statement filed 30 April 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 6.04m 2.57m 173.00
2023 6.13m 4.37m 183.00
2022 5.84m 9.06m 202.00
2021 5.00m 5.78m 133.00
2020 1.31m 2.97m 129.00

Ownership

Directors and executive officers, together 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

INTERNATIONAL MONEY EXPRESS, INC. (IMXI) Latest News

18 Oct

Impact 4 · · Simply Wall St.

2 Oct

Impact 5 · · MarketBeat

14 Aug

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12 Aug

Impact 4 · · paymentsdive.com
Impact 3 · · americanbanker.com

6 Aug

Impact 4 ·

24 Jun

Impact 5 · · Business Wire
Impact 4 · · GlobeNewswire

6 Mar

Impact 4 · · Associated Press Finance

25 Feb

Impact 5 · · Simply Wall St.

16 Jan

Impact 4 · · Insider Monkey

17 Dec

Impact 4 · · Insider Monkey

2 Dec

Impact 4 · · GlobeNewswireMT NewswiresElectronic PaymentsElectronic PaymentsAssociated Press FinanceMT NewswiresMotley FoolMT Newswires

20 Nov

Impact 4 · · GlobeNewswireInsider MonkeyElectronic PaymentsElectronic PaymentsAssociated Press Finance

11 Nov

Impact 4 · · Zacks

10 Nov

Impact 4 · · Associated Press Finance
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29 Oct

Impact 4 · · 99bitcoins.com

28 Oct

Impact 4 · · GlobeNewswire

23 Oct

Impact 4 · · Insider Monkey

7 Oct

Impact 5 ·
Impact 4 · · GlobeNewswire

16 Sep

Impact 3 · · GlobeNewswire

26 Aug

Impact 4 ·

15 Aug

Impact 4 ·

11 Aug

Impact 4 ·
Impact 4 · · electronicpaymentsinternational.com
Impact 4 ·
Impact 4 · · GlobeNewswire
Impact 3 ·
stockrow.com/IMXI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com