INTERNATIONAL MONEY EXPRESS, INC. (IMXI) vs Kodiak AI, Inc. (KDK)

INTERNATIONAL MONEY EXPRESS, INC. and Kodiak AI, Inc. are both Software Infrastructure companies. INTERNATIONAL MONEY EXPRESS, INC. and Kodiak AI, Inc. are of similar size ($319.6M and $319.0M). Kodiak AI, Inc. has negative trailing earnings, so its P/E is not meaningful; INTERNATIONAL MONEY EXPRESS, INC. trades at 16.4×. INTERNATIONAL MONEY EXPRESS, INC. grew revenue faster over the last twelve months: −13.5% against −57.7%. INTERNATIONAL MONEY EXPRESS, INC. has the higher net margin (3.35% vs −4,960.8%) and the higher return on invested capital (14.6% vs 0.00%). Across the 16 metrics below, INTERNATIONAL MONEY EXPRESS, INC. leads on 13 and Kodiak AI, Inc. on 3.

Valuation

Metric IMXI KDK Software Infrastructure median
P/E 16.37 n/m 28.38
P/S 0.56 35.34 2.98
P/B 1.83 n/m 2.93
Price to free cash flow 33.56 n/m 16.28
EV/EBITDA 5.60 n/m 13.92
EV/Sales 0.54 20.11 2.90
Earnings yield 6.11% (325.19%) 0.14%
Free cash flow yield 2.98% (58.06%) 1.24%

Profitability

Metric IMXI KDK Software Infrastructure median
Gross margin 20.57% 100.00% 61.00%
Operating margin 6.22% (2,100.21%) 0.00%
Net margin 3.35% (4,960.84%) 0.00%
Free cash flow margin 1.67% (2,052.14%) 1.67%
Return on equity 11.94% 333.16% 0.60%
Return on assets 3.85% (93.94%) 0.00%
Return on invested capital 14.56% 0.00% 0.00%

Growth

Metric IMXI KDK Software Infrastructure median
Revenue growth (TTM) (13.50%) (57.70%) 13.41%
EPS growth (last fiscal year) (39.66%) (439.86%) 27.10%
Revenue growth, 5-year CAGR 11.22% — 15.57%
Net income growth, 5-year CAGR (0.67%) — 0.00%

Health

Metric IMXI KDK Software Infrastructure median
Debt to equity 0.76 1.23 0.05
Current ratio 1.96 5.54 1.55
Net debt to EBITDA 0.57 0.72 0.08

Dividend

Metric IMXI KDK Software Infrastructure median
Dividend yield — — 1.20%
Payout ratio — — 0.29

Size

Metric IMXI KDK Software Infrastructure median
Market cap 319.64m 318.98m 752.37m

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