# International Money Express Inc. (IMXI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $14.51, market value $438 million.

## Valuation
- **P/E (trailing): 23.8×** (5-yr avg 13.8×, 3-yr avg 13.1×). International Money Express Inc. trades at 23.8× trailing earnings, well above its own five-year average of 13.8×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 14.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.6×**. The shares trade at 2.6× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 8.7×**. Enterprise value is 8.7× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 2.0%** (5-yr avg 6.8%). Free cash flow equals 2.0% of the market value, below its five-year average of 6.8%, so the shares are pricier on cash than usual.
- **Earnings yield: 4.2%**. The inverse of the P/E: 4.2% of the price is earned each year.

## Profitability
- **Operating margin: 6.2%**. 6.2% of revenue is left after running the business.
- **Net margin: 5.4%**. 5.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.3%**. 20.3% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 14.6%**. Return on all capital, debt included, is 14.6%.
- **Return on assets: 3.6%**. Each dollar of assets produces 3.6% of profit.

## Growth
- **Revenue growth (1 yr): -7.7%** (3-yr 3.6%/yr, 5-yr 11.2%/yr). Revenue fell 7.7% over the last year, against 11.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -39.7%** (3-yr -10.0%/yr, 5-yr 4.2%/yr). Earnings per share fell 39.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 74.0%/yr**. Free cash flow has compounded at 74.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 1.21**. Debt is 1.21 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 0.5×**. It would take 0.5 years of operating earnings to repay net borrowings, within the comfortable range.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. International Money Express Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -0.4%** (YTD -5.5%, 3-mo -2.9%). The shares are down 0.4% over twelve months including dividends.
- **From 52-week high: -9.0%** (30.1% above the low). Trading 9% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): 0.03** (volatility 32%). Beta of 0.03 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IMXI · Page: https://foliofundamentals.com/stocks/imxi

Not investment advice.