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GDYN vs IMXI

GDYN
Grid Dynamics Holdings, Inc.
BEARISH
Price
$5.35
Market Cap
$456.6M
Sector
Technology
AI Confidence
85%
IMXI
International Money Express, Inc.
BEARISH
Price
$15.82
Market Cap
$476.8M
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
GDYN
48.64
IMXI
14.65
Forward P/E
GDYN
10.16
IMXI
8.29
P/B Ratio
GDYN
0.84
IMXI
2.92
P/S Ratio
GDYN
1.11
IMXI
0.78
EV/EBITDA
GDYN
5.85
IMXI
5.93

Profitability

Gross Margin
GDYN
34.56%
IMXI
34.82%
Operating Margin
GDYN
2.75%
IMXI
12.37%
Profit Margin
GDYN
2.35%
IMXI
5.38%
ROE
GDYN
1.82%
IMXI
22.08%
ROA
GDYN
0.27%
IMXI
9.1%

Growth

Revenue Growth
GDYN
5.9%
IMXI
-10.5%
Earnings Growth
GDYN
-99.7%
IMXI
-41.1%

Financial Health

Debt/Equity
GDYN
0.03
IMXI
1.34
Current Ratio
GDYN
8.43
IMXI
2.5
Quick Ratio
GDYN
8.09
IMXI
1.94

Dividends

Dividend Yield
GDYN
--
IMXI
--
Payout Ratio
GDYN
0.0%
IMXI
0.0%

AI Verdict

GDYN BEARISH

GDYN presents a stark contrast between a fortress balance sheet and collapsing operational performance. With a Piotroski F-Score of 4/9, the company is stable but lacks growth momentum, evidenced by a catastrophic -99.7% YoY earnings decline. Despite a strong analyst consensus and low P/B ratio, the technical trend is completely bearish (0/100) and C-suite insiders are actively selling. The current price of $5.35 trades at a premium to the Graham Number ($3.98), suggesting limited immediate upside despite the low debt profile.

Strengths
Extremely low Debt/Equity ratio (0.03)
Exceptional liquidity with a Current Ratio of 8.43
Attractive Price-to-Book ratio (0.84)
Risks
Severe earnings collapse (-99.7% YoY growth)
Bearish insider activity involving the CEO, CFO, and COO
Strong downward price momentum (-63.7% over the last year)
IMXI BEARISH

IMXI presents a classic value trap scenario, characterized by a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. The current price of $15.82 trades at a significant premium to both the Graham Number ($11.48) and the Intrinsic Value ($7.56). While the P/E ratio appears low, the PEG ratio of 2.74 and sharp declines in YoY revenue (-10.50%) and earnings (-41.10%) indicate that the market is overvaluing the company relative to its growth trajectory. The recent trend of earnings misses (1/4 beats in the last year) further undermines the current valuation.

Strengths
Strong Return on Equity (ROE) of 22.08%
Robust short-term liquidity with a Current Ratio of 2.50
Low trailing P/E (14.65) compared to the broader technology sector
Risks
Severe earnings contraction (-41.10% YoY)
Negative revenue growth (-10.50% YoY)
Significant overvaluation relative to Intrinsic Value ($7.56)

Compare Another Pair

GDYN vs IMXI: Head-to-Head Comparison

This page compares Grid Dynamics Holdings, Inc. (GDYN) and International Money Express, Inc. (IMXI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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