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IMXIInternational Money Express, Inc.
$14.59$439M
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IMXI logoInternational Money Express, Inc.(IMXI)Earnings, Financials & Key Ratios

IMXI•NASDAQ
$14.59
13.5× P/E·Price updated Jul 7, 2026
SectorTechnologyIndustryInfrastructure SoftwareSub-IndustryPayments and fintech infrastructure
AboutInternational Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.Show more
  • Revenue$608M-7.7%
  • EBITDA$85M-21.6%
  • Net Income$33M-44.5%
  • EPS (Diluted)1.08-39.7%
  • Gross Margin36.02%-59.8%
  • EBITDA Margin14.02%-15.0%
  • Operating Margin11.2%-22.4%
  • Net Margin5.38%-39.8%
  • ROE22.08%-46.7%

IMXI Price & Volume

International Money Express, Inc. (IMXI) stock price & volume — 10-year historical chart

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Remittance Model Erosion Threatens Long-term Solvency

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Core corridor volume erosion

Key Thesis Takeaways

  • International Money Express faces a critical inflection point as its physical agent-based remittance model struggles against a rapidly digitizing global payments landscape.
  • The company's inability to maintain stable gross margins, which collapsed to 2.8% in 2026Q1, suggests a fundamental loss of pricing power and operational control.
  • Investors should remain cautious as the combination of negative operating income and a $50.3 million working capital outflow in the most recent quarter indicates significant liquidity risks that may necessitate further balance sheet restructuring.

Verdict Logic

the company's inability to generate positive free cash flow, which reached -$42.9 million in 2026Q1, signals a high risk of continued capital erosion and liquidity strain.

IMXI Growth Metrics

International Money Express, Inc. (IMXI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.21%
5 Years11.22%
3 Years3.59%
TTM-26.15%

Profit CAGR

10 Years18.96%
5 Years-0.67%
3 Years-17.09%
TTM-53.36%

EPS CAGR

10 Years21.04%
5 Years4.18%
3 Years-9.97%
TTM-49.3%

Return on Capital

10 Years26.54%
5 Years28.12%
3 Years25.5%
Last Year19.81%

IMXI Recent Earnings

International Money Express, Inc. (IMXI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 1/12 qtrs (8%)
Q2 2026Latest
May 11, 2026
Metric
Actual
Est
EPS
$0.13-63.9%
$0.36
Rev
$133M-5.9%
$141M
Q2 2026
Mar 6, 2026
Metric
Actual
Est
EPS
$0.41-4.7%
$0.43
Rev
$147M-3.6%
$153M
Q4 2025
Nov 10, 2025
Metric
Actual
Est
EPS
$0.38-29.6%
$0.54
Rev
$155M-4.7%
$162M
Q3 2025
Aug 11, 2025
Metric
Actual
Est
EPS
$0.51+4.1%
$0.49
Rev
$161M-2.4%
$165M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 11, 2026
$0.13vs $0.36-63.9%
$133Mvs $141M-5.9%
Q2 2026Mar 6, 2026
$0.41vs $0.43-4.7%
$147Mvs $153M-3.6%
Q4 2025Nov 10, 2025
$0.38vs $0.54-29.6%
$155Mvs $162M-4.7%
Q3 2025Aug 11, 2025
$0.51vs $0.49+4.1%
$161Mvs $165M-2.4%
Based on last 12 quarters of dataView full earnings history →

Latest IMXI News

Recent stock market news and headlines for International Money Express, Inc. (IMXI)

Business Wire·Jun 24, 2026
Western Union and Intermex Provide an Update on Pending Acquisition of Intermex

DENVER & MIAMI--(BUSINESS WIRE)--The Western Union Company (“Western Union”) (NYSE: WU) and International Money Express, Inc. (“Intermex”) (NASDAQ: IMXI) today provided an update on the approval process and timeline for Western Union's pending acquisition of Intermex. To date, money transmission regulators in 51 applicable U.S. states and territories and in all international jurisdictions have provided their approval of or non-objection to the acquisition, and approval or non-objection is curre.

Peers Comparison

Key metrics vs top competitors for International Money Express, Inc. (IMXI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
IMXI logoIMXIInternational Money Express, Inc.Current
$14.59$439.08M13.51-7.72%5.38%22.08%—
WU logoWUThe Western Union Company
$7.95$2.49B5.20-4%10.89%47.95%—
EEFT logoEEFTEuronet Worldwide, Inc.
$78.17$2.98B11.436.38%7.11%23.78%—
V logoVVisa Inc.
$352.20$675.68B34.5311.34%51.68%58.9%—
MA logoMAMastercard Incorporated
$531.62$470.6B32.1816.42%45.88%205.79%—
PAX logoPAXPatria Investments Limited
$11.07$1.77B20.502.56%22.33%14.36%—

Compare IMXI vs Peers

International Money Express, Inc. (IMXI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WU

Most directly comparable listed peer for IMXI.

Scale Benchmark

vs V

Larger-name benchmark to compare IMXI against a more recognizable public peer.

Peer Set

Compare Top 5

vs WU, EEFT, V, MA

IMXI SEC Filings & Documents

International Money Express, Inc. (IMXI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Dec 9, 2025·SEC

Material company update

Oct 7, 2025·SEC

Material company update

Aug 11, 2025·SEC

10-K Annual Reports

3
FY 2026

Mar 6, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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IMXI Frequently Asked Questions

International Money Express, Inc. (IMXI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is International Money Express, Inc.'s revenue?

International Money Express, Inc. (IMXI) reported $481.9M in revenue for fiscal year 2025. This represents a 288% increase from $124.2M in 2015.

How fast is International Money Express, Inc. growing?

International Money Express, Inc. (IMXI) saw revenue decline by 7.7% over the past year.

Is IMXI profitable?

Yes, International Money Express, Inc. (IMXI) is profitable, generating $25.4M in net income for fiscal year 2025 (5.4% net margin).

Dividend & Returns
What is IMXI's return on equity?

International Money Express, Inc. (IMXI) has a return on equity (ROE) of 22.1%. This is excellent, indicating efficient use of shareholder capital.

What is International Money Express, Inc.'s free cash flow?

International Money Express, Inc. (IMXI) had negative free cash flow of $63.1M in fiscal year 2025, likely due to heavy capital investments.

What if you invested $1,000 in IMXI back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

See returns →