INTERNATIONAL MONEY EXPRESS, INC. (IMXI) vs Paysafe Limited (PSFE)

INTERNATIONAL MONEY EXPRESS, INC. and Paysafe Limited are both Software Infrastructure companies. INTERNATIONAL MONEY EXPRESS, INC. and Paysafe Limited are of similar size ($333.1M and $319.3M). Paysafe Limited has negative trailing earnings, so its P/E is not meaningful; INTERNATIONAL MONEY EXPRESS, INC. trades at 17.9×. Paysafe Limited grew revenue faster over the last twelve months: 5.13% against −13.5%. INTERNATIONAL MONEY EXPRESS, INC. has the higher net margin (3.35% vs −11.8%) and the higher return on invested capital (14.6% vs 0.99%). Across the 21 metrics below, INTERNATIONAL MONEY EXPRESS, INC. leads on 12 and Paysafe Limited on 9.

Valuation

Metric IMXI PSFE Software Infrastructure median
P/E 17.86 n/m 28.02
P/S 0.61 0.19 3.07
P/B 2.00 0.59 3.36
Price to free cash flow 36.62 2.63 17.12
EV/EBITDA 6.13 5.28 14.91
EV/Sales 0.59 0.92 3.03
Earnings yield 5.60% (59.25%) 0.13%
Free cash flow yield 2.73% 37.95% 1.15%

Profitability

Metric IMXI PSFE Software Infrastructure median
Gross margin 20.57% 56.13% 61.23%
Operating margin 6.22% 1.67% 0.00%
Net margin 3.35% (11.82%) 0.00%
Free cash flow margin 1.67% 7.24% 1.67%
Return on equity 11.94% (30.25%) 0.59%
Return on assets 3.85% (4.39%) 0.00%
Return on invested capital 14.56% 0.99% 0.00%

Growth

Metric IMXI PSFE Software Infrastructure median
Revenue growth (TTM) (13.50%) 5.13% 13.41%
EPS growth (last fiscal year) (39.66%) (972.22%) —
Revenue growth, 5-year CAGR 11.22% 3.59% 15.81%
Net income growth, 5-year CAGR (0.67%) 0.00% 0.00%

Health

Metric IMXI PSFE Software Infrastructure median
Debt to equity 0.76 4.38 0.06
Current ratio 1.96 1.17 1.55
Net debt to EBITDA 0.57 3.62 0.08

Dividend

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

Size

Metric IMXI PSFE Software Infrastructure median
Market cap 319.34m 333.13m 835.96m

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