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IMXI vs PUBM

IMXI
International Money Express, Inc.
BEARISH
Price
$15.82
Market Cap
$476.8M
Sector
Technology
AI Confidence
85%
PUBM
PubMatic, Inc.
NEUTRAL
Price
$9.81
Market Cap
$465.0M
Sector
Technology
AI Confidence
80%

Valuation

P/E Ratio
IMXI
14.65
PUBM
--
Forward P/E
IMXI
8.29
PUBM
21.56
P/B Ratio
IMXI
2.92
PUBM
1.75
P/S Ratio
IMXI
0.78
PUBM
1.64
EV/EBITDA
IMXI
5.93
PUBM
86.36

Profitability

Gross Margin
IMXI
34.82%
PUBM
63.57%
Operating Margin
IMXI
12.37%
PUBM
11.78%
Profit Margin
IMXI
5.38%
PUBM
-5.11%
ROE
IMXI
22.08%
PUBM
-5.36%
ROA
IMXI
9.1%
PUBM
-1.44%

Growth

Revenue Growth
IMXI
-10.5%
PUBM
-6.4%
Earnings Growth
IMXI
-41.1%
PUBM
-49.5%

Financial Health

Debt/Equity
IMXI
1.34
PUBM
0.17
Current Ratio
IMXI
2.5
PUBM
1.39
Quick Ratio
IMXI
1.94
PUBM
1.34

Dividends

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

AI Verdict

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)
PUBM NEUTRAL

PUBM presents a contradictory profile with a stable Piotroski F-Score of 5/9 and a clean balance sheet, but severe growth headwinds. While the company maintains strong gross margins (63.57%) and a low debt-to-equity ratio (0.17), it is currently struggling with negative YoY revenue growth (-6.40%) and significant earnings contraction. The recent short-term price momentum is decoupled from fundamental deterioration and aggressive insider selling by the CEO and CFO. The stock is a speculative play on a turnaround rather than a value or growth investment.

Strengths
Strong Gross Margin of 63.57% indicating efficient core service delivery
Very low Debt/Equity ratio (0.17) suggesting minimal insolvency risk
Positive Operating Margin (11.78%) showing core business viability
Risks
Negative YoY Revenue Growth (-6.40%) indicating market share loss or sector decline
Severe Earnings Growth decline (-49.50% YoY)
High PEG Ratio (4.95) suggesting the stock is overvalued relative to its growth rate

Compare Another Pair

IMXI vs PUBM: Head-to-Head Comparison

This page compares International Money Express, Inc. (IMXI) and PubMatic, Inc. (PUBM) 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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