IMXI
BEARISH
$15.82
Live
International Money Express, Inc. · NASDAQ
Target $16.0
(+1.1%)
$8.58
52W Range
$15.9
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$476.76M
P/E
14.65
ROE
22.1%
Profit margin
5.4%
Debt/Equity
1.34
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Positive 1-year price performance (+32.9%)
Stable Piotroski F-Score (4/9) indicating non-critical health
Key Risks
Severe earnings contraction (-41.10% YoY)
Negative revenue growth (-10.50% YoY)
Significant overvaluation relative to Intrinsic Value ($7.56)
High PEG ratio (2.74) suggesting price is disconnected from growth
Elevated Debt/Equity ratio (1.34) compared to sector peers
AI Fair Value Estimate
Based on comprehensive analysis
$10.0
-36.8% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
30
Weak
30
20
45
55
0
AI Verdict
Overvalued with deteriorating fundamentals
Key drivers: Negative growth metrics, Price-to-Intrinsic Value gap, Recent earnings misses
Confidence
90%
Value
30/100
Ref P/E, PEG, Graham Number
Positives
- Low Forward P/E (8.29)
Watchpoints
- Price exceeds Graham Number by ~38%
- Price exceeds Intrinsic Value by ~109%
- High PEG ratio
Future
20/100
Ref Growth rates
Positives
No standout positives identified.
Watchpoints
- YoY Revenue Growth -10.50%
- YoY Earnings Growth -41.10%
- Negative Q/Q trends
Past
45/100
Ref Historical trends
Positives
- Strong 1Y price recovery
- Historical track record of beats prior to 2024
Watchpoints
- 3Y change is -37.6%
- Recent 4-quarter surprise average is -10.28%
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current Ratio 2.50
- Quick Ratio 1.94
Watchpoints
- Piotroski F-Score 4/9 (Stable but not strong)
- Debt/Equity 1.34
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend paid
- 0/100 Dividend Strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$15.82
Analyst Target
$16.0
Upside/Downside
+1.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for IMXI and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
IMXI
International Money Express, Inc.
Primary
|
+6.5% | -37.6% | +32.9% | +9.1% | +0.2% | +0.1% |
|
GLOO
Gloo Holdings, Inc.
Peer
|
-26.4% | -26.4% | -26.4% | -26.4% | +0.3% | +10.1% |
|
GDYN
Grid Dynamics Holdings, Inc.
Peer
|
-62.8% | -55.0% | -63.7% | -35.2% | -14.5% | -7.3% |
|
BAND
Bandwidth Inc.
Peer
|
-91.3% | -38.9% | -10.1% | -3.3% | -3.8% | +8.1% |
|
DCBO
Docebo Inc.
Peer
|
-63.4% | -55.2% | -37.1% | -37.4% | -9.9% | -2.3% |
IMX
International Money Express, Inc.
Primary
5Y
+6.5%
3Y
-37.6%
1Y
+32.9%
6M
+9.1%
1M
+0.2%
1W
+0.1%
GLO
Gloo Holdings, Inc.
Peer
5Y
-26.4%
3Y
-26.4%
1Y
-26.4%
6M
-26.4%
1M
+0.3%
1W
+10.1%
GDY
Grid Dynamics Holdings, Inc.
Peer
5Y
-62.8%
3Y
-55.0%
1Y
-63.7%
6M
-35.2%
1M
-14.5%
1W
-7.3%
BAN
Bandwidth Inc.
Peer
5Y
-91.3%
3Y
-38.9%
1Y
-10.1%
6M
-3.3%
1M
-3.8%
1W
+8.1%
DCB
Docebo Inc.
Peer
5Y
-63.4%
3Y
-55.2%
1Y
-37.1%
6M
-37.4%
1M
-9.9%
1W
-2.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.65
Forward P/E
8.29
PEG Ratio
2.74
P/B Ratio
2.92
P/S Ratio
0.78
EV/Revenue
0.86
EV/EBITDA
5.93
Market Cap
$476.76M
Profitability
Profit margins and return metrics
Profit Margin
5.38%
Operating Margin
12.37%
Gross Margin
34.82%
ROE
22.08%
ROA
9.1%
Growth
Revenue and earnings growth rates
Revenue Growth
-10.5%
Earnings Growth
-41.1%
Q/Q Revenue Growth
-10.53%
Q/Q Earnings Growth
-41.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.34
Moderate
Current Ratio
2.5
Strong
Quick Ratio
1.94
Excellent
Cash/Share
$5.6
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Gross Margin
36.1%
Op. Margin
10.1%
Net Margin
6.1%
Total Assets
$0.5B
Liabilities
$0.4B
Equity
$0.2B
Debt/Equity
2.21x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
128%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-03-06
$0.42
-3.8% surprise
2025-11-10
$0.38
-28.7% surprise
2025-08-11
$0.51
+1.7% surprise
Technology Sector Comparison
Comparing IMXI against 262 companies in the Technology sector
(24 bullish, 90 neutral, 148 bearish)
P/E Ratio
14.65
This Stock
vs
65.35
Sector Avg
-77.6%
(Discount)
Return on Equity (ROE)
22.08%
This Stock
vs
-25.88%
Sector Avg
-185.3%
(Below Avg)
Profit Margin
5.38%
This Stock
vs
-10.67%
Sector Avg
-150.4%
(Weaker)
Debt to Equity
1.34
This Stock
vs
0.73
Sector Avg
+83.0%
(Higher)
Revenue Growth
-10.5%
This Stock
vs
9374.82%
Sector Avg
-100.1%
(Slower)
Current Ratio
2.5
This Stock
vs
3.77
Sector Avg
-33.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
IMXI
International Money Express, Inc.
|
BEARISH | $476.76M | 14.65 | 22.1% | 5.4% | $15.82 | |
|
GLOO
Gloo Holdings, Inc.
|
BEARISH | $476.25M | - | -% | -225.8% | $5.89 | Compare |
|
GDYN
Grid Dynamics Holdings, Inc.
|
BEARISH | $456.64M | 48.64 | 1.8% | 2.3% | $5.35 | Compare |
|
BAND
Bandwidth Inc.
|
BEARISH | $442.26M | - | -3.2% | -1.5% | $14.49 | Compare |
|
DCBO
Docebo Inc.
|
NEUTRAL | $441.69M | 13.34 | 56.9% | 15.5% | $17.07 | Compare |
IMXI
International...
BEARISH
Mkt Cap
$477M
P/E
14.6
ROE
22.1%
Price
$15.82
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | BRADFORD DEBRA A. | Director | Stock Award | 159 | $2,512 |
| 2026-04-01 | PURCELL MICHAEL J. | Director | Stock Award | 989 | $15,626 |
| 2026-04-01 | MAYDON LAURA I. | Director | Stock Award | 127 | $2,007 |
| 2026-03-31 | LISY ROBERT | Chief Executive Officer | Gift | 117,500 | - |
| 2026-02-06 | LISY ROBERT | Chief Executive Officer | Stock Award | 300,644 | $4,675,014 |
| 2026-02-06 | AGUILAR JOSEPH | Officer | Stock Award | 38,586 | $600,012 |
| 2026-02-06 | BENDE ANDRAS QUINN | Chief Financial Officer | Stock Award | 57,878 | $900,003 |
| 2026-02-06 | HUNT CHRISTOPHER D | Chief Operating Officer | Stock Award | 57,878 | $900,003 |
| 2025-12-31 | BRADFORD DEBRA A. | Director | Stock Award | 163 | $2,500 |
| 2025-12-31 | PURCELL MICHAEL J. | Director | Stock Award | 1,019 | $15,631 |
| 2025-12-31 | MAYDON LAURA I. | Director | Stock Award | 131 | $2,010 |
BRADFORD DEBRA A.
Director
2026-04-01
159 shares
·
$2,512
PURCELL MICHAEL J.
Director
2026-04-01
989 shares
·
$15,626
MAYDON LAURA I.
Director
2026-04-01
127 shares
·
$2,007
LISY ROBERT
Chief Executive Officer
2026-03-31
117,500 shares
LISY ROBERT
Chief Executive Officer
2026-02-06
300,644 shares
·
$4,675,014
AGUILAR JOSEPH
Officer
2026-02-06
38,586 shares
·
$600,012
BENDE ANDRAS QUINN
Chief Financial Officer
2026-02-06
57,878 shares
·
$900,003
HUNT CHRISTOPHER D
Chief Operating Officer
2026-02-06
57,878 shares
·
$900,003
BRADFORD DEBRA A.
Director
2025-12-31
163 shares
·
$2,500
PURCELL MICHAEL J.
Director
2025-12-31
1,019 shares
·
$15,631
MAYDON LAURA I.
Director
2025-12-31
131 shares
·
$2,010
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
BMO Capital
2025-11-04
Outperform
Outperform
Past News Coverage
Recent headlines mentioning IMXI from our newsroom.
Newest → oldest
No matching news yet.