International Money Express, Inc. (IMXI) AI Stock Analysis
IMXI AI stock analysis summary
AI ResearchInternational Money Express, Inc. operates as a money remittance and payment services provider. The company faces operational headwinds, with annual revenue declining 7.7% to $607.8M in FY2025 and quarterly revenue down 18.6% year-over-year in the period ended June 30, 2026. Despite top-line contraction, it maintains a positive net cash position of $15.2M.
- Market cap
- $311.2M
- Revenue (TTM)
- $555.4M
- P/E
- 16.9x fwd 6.8x
- 1Y return
- -30.2% S&P 500 16.8%
- Avg. target
- $16.00 55.3% vs last close
Bull case
- The company maintains a positive net cash position of $15.2M with cash and short-term investments of $150.6M exceeding total debt.
- Forward valuation multiples are compressed, with a forward P/E of 6.8x and an EV/EBITDA of 5.9x.
- Ongoing share repurchases have reduced the total share count by 22.0% over the last 5 years.
Bear case
- Quarterly revenue fell 18.6% and quarterly earnings dropped 62.1% year-over-year in the period ended June 30, 2026.
- The company missed consensus earnings estimates across each of the trailing 4 quarters.
- Annual net income dropped from $58.8M in FY2024 to $32.7M in FY2025 as net margin narrowed to 5.4%.
What International Money Express does
International Money Express, Inc. provides money remittance services across regions including the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. The company facilitates remittance transactions alongside ancillary financial processing solutions and payment services. Customer channels include traditional sending and paying agents, company-operated stores, and digital options such as online platforms, mobile applications, prepaid debit cards, and direct deposit payroll cards. Headquartered in Miami, Florida, the company focuses on cross-border financial transactions.
Growth and profitability
Top-line growth has decelerated following a 5-year revenue CAGR of 11.2% through FY2025. After revenue reached $658.7M in FY2023 and $658.6M in FY2024, it fell 7.7% in FY2025 to $607.8M. Net income contracted from $58.8M in FY2024 to $32.7M in FY2025, lowering net margin to 5.4% from 8.9%. In the latest quarter ended June 30, 2026, revenue dropped 18.6% year-over-year, and earnings declined 62.1% year-over-year. Over the trailing twelve months, revenue stands at $555.4M with an operating margin of 7.2% and EPS of $0.61.
Balance sheet and cash flow
As of June 30, 2026, the company held $150.6M in cash and short-term investments against total debt of $135.4M, resulting in net cash of $15.2M. Liquidity shows a current ratio of 1.96, while shareholders' equity stands at $169.6M with a debt-to-equity ratio of 0.80. In FY2025, operating cash flow was $36.9M and free cash flow was $15.8M. Capital deployment in FY2025 included $21.1M in capital expenditures and $16.3M in share buybacks, contributing to a 22.0% share count reduction over 5 years.
Valuation and performance
IMXI trades at a trailing P/E of 16.9x and a forward P/E of 6.8x, both below the median of its US-listed Technology peers at 28.1x and 18.8x, respectively. Its enterprise value of $330.4M represents an EV/EBITDA of 5.9x, compared to 16.6x for its peer group median. Over the past year, IMXI's stock price dropped 30.2%, underperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, the stock declined 39.4% compared to an 83.0% gain for the benchmark.
What analysts expect
Wall Street coverage includes 5 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target is $16.00, representing a 55.3% premium over the last close of $10.30. For the fiscal year ending December 31, 2026, analysts estimate revenue of $508.7M and EPS of $0.77, reflecting an EPS contraction of 53.6%. The company logged 0 EPS beats over the last 4 quarters. The next earnings date is scheduled for November 9, 2026.
Key risks and what to watch
- Current fiscal year consensus estimates model an EPS decrease of 53.6% to $0.77.
- Trailing twelve-month operating margin stands at 7.2%, below the peer group median of 13.2%.
- Short interest represents 7.9% of the public float while the stock trades 29.2% below its 200-day average.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this IMXI AI stock analysis
This page is an AI-written research summary of International Money Express, Inc. (IMXI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: IMXI income statement, IMXI balance sheet, IMXI key metrics, IMXI analyst forecast, IMXI chart. See the IMXI stock overview for the latest quote and news.
IMXI AI stock analysis FAQ
What was IMXI's revenue and earnings performance in FY2025?
In FY2025, International Money Express generated $607.8M in revenue, down 7.7% from FY2024, while net income declined to $32.7M with an EPS of $1.66.
Does International Money Express pay a dividend?
IMXI does not currently pay a dividend. Capital allocation has focused on capital expenditures of $21.1M and share repurchases of $16.3M in FY2025.
What is the consensus analyst target price for IMXI?
The mean analyst price target is $16.00, which sits 55.3% above its last close of $10.30 as of October 16, 2026, based on 5 Hold ratings.
How leveraged is IMXI's balance sheet?
As of June 30, 2026, IMXI held $150.6M in cash against $135.4M in total debt, maintaining a net cash position of $15.2M and a debt-to-equity ratio of 0.80.