INTERNATIONAL MONEY EXPRESS, INC. (IMXI) vs Lesaka Technologies, Inc. (LSAK)

INTERNATIONAL MONEY EXPRESS, INC. and Lesaka Technologies, Inc. are both Software Infrastructure companies. Lesaka Technologies, Inc. is the larger, with a market value of $356.2M against $319.3M — 1.1× the size. INTERNATIONAL MONEY EXPRESS, INC. trades at the lower P/E: 17.9× against 118×. Lesaka Technologies, Inc. grew revenue faster over the last twelve months: 9.38% against −13.5%. INTERNATIONAL MONEY EXPRESS, INC. has the higher net margin (3.35% vs 0.38%) and the higher return on invested capital (14.6% vs 2.23%). Across the 22 metrics below, INTERNATIONAL MONEY EXPRESS, INC. leads on 12 and Lesaka Technologies, Inc. on 10.

Valuation

Metric IMXI LSAK Software Infrastructure median
P/E 17.86 117.75 28.02
P/S 0.61 0.46 3.07
P/B 2.00 1.62 3.36
Price to free cash flow 36.62 11.37 17.12
EV/EBITDA 6.13 7.98 14.91
EV/Sales 0.59 0.67 3.03
Earnings yield 5.60% 0.85% 0.13%
Free cash flow yield 2.73% 8.80% 1.15%

Profitability

Metric IMXI LSAK Software Infrastructure median
Gross margin 20.57% 31.98% 61.23%
Operating margin 6.22% 1.76% 0.00%
Net margin 3.35% 0.38% 0.00%
Free cash flow margin 1.67% 4.05% 1.67%
Return on equity 11.94% 1.48% 0.59%
Return on assets 3.85% 0.41% 0.00%
Return on invested capital 14.56% 2.23% 0.00%

Growth

Metric IMXI LSAK Software Infrastructure median
Revenue growth (TTM) (13.50%) 9.38% 13.41%
EPS growth (last fiscal year) (39.66%) 102.63% —
Revenue growth, 5-year CAGR 11.22% 40.72% 15.81%
Net income growth, 5-year CAGR (0.67%) 0.00% 0.00%

Health

Metric IMXI LSAK Software Infrastructure median
Debt to equity 0.76 1.13 0.06
Current ratio 1.96 1.59 1.55
Net debt to EBITDA 0.57 2.48 0.08

Dividend

Metric IMXI LSAK Software Infrastructure median
Dividend yield — — 1.53%
Payout ratio 0.00 0.00 0.00

Size

Metric IMXI LSAK Software Infrastructure median
Market cap 319.34m 356.17m 835.96m

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