International Money Express Inc. Common Stock (IMXI)

FairStock Score: 51/100 — MIXED

Key Financials

Strengths

• Generates $14 million in annual free cash flow (3.0% yield on market cap)
• High return on equity of 22.1% demonstrating efficient capital deployment

Concerns

• Revenue declining at 10.5% year-over-year signals potential demand weakness or market share loss
• Weak Piotroski F-Score of 3/9 suggests deteriorating financial quality across multiple dimensions

AI Analysis

International Money Express Inc. Common Stock is a micro-cap technology company valued at $478 million. The business generates $608 million in annual revenue with a 1.5% net margin and $14 million in free cash flow. From a quality standpoint, International shows weak Piotroski F-Score of 3/9 signaling deteriorating fundamentals and Altman Z-Score of 2.5 in the grey zone. On valuation, the stock is attractively valued at 14.7x earnings, with trades above its Graham Number with a negative 38% margin. Growth dynamics show revenue growing at -10.5% and profit growth of -41.9%. Our composite FairStock Score of 51/100 reflects mixed fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

The market underappreciates International's consistent 22% ROE at just 15x earnings—a re-rating toward sector peers could unlock 30-50% upside. With $14 million in annual free cash flow (3.0% yield), management has ample capital for buybacks, dividends, or accretive acquisitions.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the technology space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer