International Money Express, Inc.

IMXI

TechnologySmall CapUS Equities · NYSE / NASDAQ

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Company Profile

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and internet-enabled mobile devices. The company was founded in 1994 and is headquartered in Miami, Florida.

Valuation

Market Cap$456M

Current Price$13.72as of Jun 23, 2026

P/E Ratio13.95

P/B Ratio2.83

EV / EBITDA6.62

EV / Sales0.83

Profitability

Operating Margin11.2%

Net Profit Margin5.4%

EBITDA Margin12.5%

Returns

ROE20.3%

ROCE18.1%

ROIC %19.6%

ROA6.3%

Solvency

Current Ratio2.51

Debt / Equity1.34

Debt / Assets0.42

CFO / Net Profit1.13

Price History▲ 35.98% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Latest fiscal year: 2025

Revenue$608M▼ 7.7%

EBITDA$76M▼ 30.0%

Net Profit$33M▼ 44.5%

Cash from Ops (CFO)$37M▼ 30.5%

Free Cash Flow (FCF)$16M▼ 31.5%

Revenue CAGR 3Y3.6%

Revenue CAGR 5Y-

Net Profit CAGR 3Y-17.1%

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$608M	$76M	$33M	$16M	20.3%	-7.7%	-44.5%
2024	$659M	$109M	$59M	$23M	43.6%	-0.0%	-1.2%
2023	$659M	$108M	$60M	$131M	39.9%	20.5%	3.8%
2022	$547M	$92M	$57M	$3M	38.2%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2021	2022	2023	2024	2025
Total Revenue	-	546.80	658.74	658.65	607.78
Operating Revenue	-	542.08	649.45	643.74	589.32
Cost Of Revenue	-	364.80	430.86	428.97	388.87
Gross Profit	-	182	227.87	229.68	218.91
Operating Expense	-	96.09	130.72	129.79	150.84
Selling General And Administration	-	86.62	112.86	109.73	125.77
Total Expenses	-	460.89	561.59	558.75	539.71
Operating Income	-	85.91	97.15	99.90	68.06
Total Operating Income As Reported	-	82.91	95.49	95.02	55.65
EBITDA	-	92.38	108.36	108.66	76.10
Normalized EBITDA	-	95.38	110.02	113.54	88.51
EBIT	-	82.91	95.49	95.02	58.94
Interest Expense	-	5.63	10.43	11.74	11.84
Net Interest Income	-	-5.63	-10.43	-11.74	-11.84
Other Non Operating Income Expenses	-	-	-	-	3.29
Other Income Expense	-	-3	-1.66	-4.88	-9.13
Interest Expense Non Operating	-	5.63	10.43	11.74	11.84
Net Non Operating Interest Income Expense	-	-5.63	-10.43	-11.74	-11.84
Pretax Income	-	77.28	85.06	83.27	47.10
Tax Provision	-	19.95	25.55	24.45	14.43
Tax Rate For Calcs	-	0	0	0	0
Tax Effect Of Unusual Items	-	-0.78	-0.50	-1.43	-3.80
Net Income Continuous Operations	-	57.33	59.52	58.82	32.67
Net Income From Continuing And Discontinued Operation	-	57.33	59.52	58.82	32.67
Net Income From Continuing Operation Net Minority Interest	-	57.33	59.52	58.82	32.67
Net Income	-	57.33	59.52	58.82	32.67
Net Income Common Stockholders	-	57.33	59.52	58.82	32.67
Net Income Including Noncontrolling Interests	-	57.33	59.52	58.82	32.67
Normalized Income	-	59.56	60.68	62.27	41.29
Diluted NI Availto Com Stockholders	-	57.33	59.52	58.82	32.67
Basic Average Shares	-	37.73	35.60	32.43	29.94
Diluted Average Shares	-	38.63	36.43	32.85	30.18
Reconciled Depreciation	-	9.47	12.87	13.64	17.16
Reconciled Cost Of Revenue	-	364.80	430.86	428.97	388.87
Total Unusual Items	-	-3	-1.66	-4.88	-12.42
Total Unusual Items Excluding Goodwill	-	-3	-1.66	-4.88	-12.42
Special Income Charges	-	-3	-1.66	-4.88	-12.42
Impairment Of Capital Assets	-	-	-	-	1.21
Restructuring And Mergern Acquisition	-	3	1.66	4.88	11.21
Depreciation Amortization Depletion Income Statement	-	9.47	12.87	13.64	17.16
Depreciation And Amortization In Income Statement	-	9.47	12.87	13.64	17.16
General And Administrative Expense	-	86.62	112.86	109.73	125.77
Other Gand A	-	34.39	42.66	41.48	50.73
Salaries And Wages	-	52.22	70.20	68.25	75.04
Other Operating Expenses	-3.13	-4.72	-9.29	-	-
Provision For Doubtful Accounts	-	-	5	6.41	7.92
Selling And Marketing Expense	30.33	34.39	-	-	-

Peer Comparison

Technology sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
International Money Express, Inc.this co.	IMXI	$456M	13.95	2.83	20.3%	6.62
Aeluma, Inc.	ALMU	$498M	-164.82	27.83	-16.9%	-261.84
Ooma, Inc.	OOMA	$475M	73.54	5.11	7.0%	28.42
3D Systems Corporation	DDD	$451M	15.10	1.88	12.4%	6.74
Methode Electronics, Inc.	MEI	$451M

Learn while you research

Hand-picked academy chapters to deepen your understanding of International Money Express, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$608M

$76M

$33M

$16M

20.3%

-7.7%

-44.5%

2024

$659M

$109M

$59M

$23M

43.6%

-0.0%

-1.2%

2023

$659M

$108M

$60M

$131M

39.9%

20.5%

3.8%

2022

$547M

$92M

$57M

$3M

38.2%

Metric

2021

2022

2023

2024

2025

Total Revenue

546.80

658.74

658.65

607.78

Operating Revenue

542.08

649.45

643.74

589.32

Cost Of Revenue

364.80

430.86

428.97

388.87

Gross Profit

182

227.87

229.68

218.91

Operating Expense

96.09

130.72

129.79

150.84

Selling General And Administration

86.62

112.86

109.73

125.77

Total Expenses

460.89

561.59

558.75

539.71

Operating Income

85.91

97.15

99.90

68.06

Total Operating Income As Reported

82.91

95.49

95.02

55.65

EBITDA

92.38

108.36

108.66

76.10

Normalized EBITDA

95.38

110.02

113.54

88.51

EBIT

82.91

95.49

95.02

58.94

Interest Expense

5.63

10.43

11.74

11.84

Net Interest Income

-5.63

-10.43

-11.74

-11.84

Other Non Operating Income Expenses

3.29

Other Income Expense

-3

-1.66

-4.88

-9.13

Interest Expense Non Operating

5.63

10.43

11.74

11.84

Net Non Operating Interest Income Expense

-5.63

-10.43

-11.74

-11.84

Pretax Income

77.28

85.06

83.27

47.10

Tax Provision

19.95

25.55

24.45

14.43

Tax Rate For Calcs

Tax Effect Of Unusual Items

-0.78

-0.50

-1.43

-3.80

Net Income Continuous Operations

57.33

59.52

58.82

32.67

Net Income From Continuing And Discontinued Operation

57.33

59.52

58.82

32.67

Net Income From Continuing Operation Net Minority Interest

57.33

59.52

58.82

32.67

Net Income

57.33

59.52

58.82

32.67

Net Income Common Stockholders

57.33

59.52

58.82

32.67

Net Income Including Noncontrolling Interests

57.33

59.52

58.82

32.67

Normalized Income

59.56

60.68

62.27

41.29

Diluted NI Availto Com Stockholders

57.33

59.52

58.82

32.67

Basic Average Shares

37.73

35.60

32.43

29.94

Diluted Average Shares

38.63

36.43

32.85

30.18

Reconciled Depreciation

9.47

12.87

13.64

17.16

Reconciled Cost Of Revenue

364.80

430.86

428.97

388.87

Total Unusual Items

-3

-1.66

-4.88

-12.42

Total Unusual Items Excluding Goodwill

-3

-1.66

-4.88

-12.42

Special Income Charges

-3

-1.66

-4.88

-12.42

Impairment Of Capital Assets

1.21

Restructuring And Mergern Acquisition

1.66

4.88

11.21

Depreciation Amortization Depletion Income Statement

9.47

12.87

13.64

17.16

Depreciation And Amortization In Income Statement

9.47

12.87

13.64

17.16

General And Administrative Expense

86.62

112.86

109.73

125.77

Other Gand A

34.39

42.66

41.48

50.73

Salaries And Wages

52.22

70.20

68.25

75.04

Other Operating Expenses

-3.13

-4.72

-9.29

Provision For Doubtful Accounts

6.41

7.92

Selling And Marketing Expense

30.33

34.39

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

International Money Express, Inc.this co.

IMXI

$456M

13.95

2.83

20.3%

6.62

Aeluma, Inc.

ALMU

$498M

-164.82

27.83

-16.9%

-261.84

Ooma, Inc.

OOMA

$475M

73.54

5.11

7.0%

28.42

3D Systems Corporation

DDD

$451M

15.10

1.88

12.4%

6.74

Methode Electronics, Inc.

MEI

$451M

International Money Express, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

International Money Express, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on