International Money Express, Inc.
IMXI Nasdaq· Services-Business Services, Nec
Last close · Oct 27, 2026
$9.00
KIRA · Stoqly’s AI analyst, in plain words
- International Money Express, Inc. had $608M of revenue in fiscal 2025, down 7.7% on the year before. Over five years, revenue changed +11.2% a year on average.
- Its operating margin was 9.2%, down 5.3 pts: of every 100 in sales, about 9 is left after running the business.
- International Money Express, Inc. made $32.7M of net profit in fiscal 2025.
- Free cash flow was $15.8M in fiscal 2025, 2.6% of revenue.
- International Money Express, Inc. returned $16.3M to shareholders in fiscal 2025, 103% of free cash flow. The diluted share count fell 8.1%.
- International Money Express, Inc. owes $26.1M more than it holds in cash, about 0.4 years of operating profit.
Market cap
$275M
P/E
14.5x
Revenue
$608M
Net income
$32.7M
Free cash flow
$15.8M
Operating margin
9.2%
International Money Express, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−7.7%
No. Sales fell 7.7% last year.
Does it make a profit?
5.4%
A little. It keeps 5.4% of every sale as profit.
Does profit turn into cash?
2.6%
Partly. 2.6% of sales ends up as free cash.
Is debt under control?
0.4x
Yes. It could repay its debt with 0.4 years of operating profit.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
14.5x
One share costs 14.5 times its yearly profit per share.
What International Money Express, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- International Money Express, Inc.
- CIK
- 0001683695
International Money Express, Inc. · IMXI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $459M | $547M | $659M | $659M | $608M |
| Revenue growth | 28.6% | 19.1% | 20.5% | −0.0% | −7.7% |
| Operating margin | 14.8% | 15.2% | 14.5% | 14.4% | 9.2% |
| Net income | $46.8M | $57.3M | $59.5M | $58.8M | $32.7M |
| Net margin | 10.2% | 10.5% | 9.0% | 8.9% | 5.4% |
| Diluted EPS | $1.20 | $1.48 | $1.63 | $1.79 | $1.08 |
| Cash | |||||
| Cash from operations | $78.1M | $15.2M | $144M | $53.1M | $36.9M |
| Capital expenditure | $10.6M | $12.2M | $12.8M | $30.0M | $21.1M |
| Free cash flow | $67.5M | $3.0M | $131M | $23.1M | $15.8M |
| FCF margin | 14.7% | 0.5% | 19.8% | 3.5% | 2.6% |
| Share buybacks | $5.6M | $53.7M | $66.3M | $75.1M | $16.3M |
| Share count change | 1.9% | −1.2% | −5.7% | −9.8% | −8.1% |
| Debt and strength | |||||
| Cash and short-term investments | $132M | $149M | $239M | $131M | $169M |
| Debt incl. finance leases | $83.1M | $155M | $188M | $157M | $195M |
| Shareholders' equity | $143M | $150M | $149M | $135M | $161M |
| Net debt / EBITDA | −0.6x | 0.1x | −0.5x | 0.2x | 0.4x |
| Current ratio | 2.3x | 2.1x | 1.9x | 2.0x | 2.5x |
| Interest coverage | 15.0x | 14.7x | 9.2x | 8.1x | 4.7x |
| Returns and quality | |||||
| Return on capital | 53.6% | 39.5% | 68.1% | 41.7% | 20.6% |
| Return on equity | 39.5% | 39.1% | 39.8% | 41.4% | 22.1% |
| Return on tangible equity | 51.3% | 71.4% | 77.4% | 111.2% | 40.0% |
| Piotroski F-score | 6 | 3 | 5 | 6 | 5 |
| Altman Z'' | 5.7 | 4.9 | 5.0 | 5.7 | 5.7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
International Money Express, Inc. · IMXI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $9.00 a share, the company is worth $275M: 14.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001683695). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.