International Money Express Inc. Common Stock (IMXI)

FairStock Score: 51/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am wary of confusing a low-looking multiple with a bargain. International Money Express is a remittance network serving corridors such as the United States to Mexico, Central America, the Caribbean, Africa and Asia. It has a real operating footprint and 1,096 employees, but the numbers show a business under pressure. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $131.2 million and net income $4.2 million, or $0.14 diluted EPS. Compare that with fiscal Q2 2025, the quarter ended 2025-06-30, when revenue was $161.1 million and net income $11.0 million, or $0.37 diluted EPS. That is a sharp deterioration. For fiscal 2025, the year ended 2025-12-31, revenue was $607.8 million and net income $32.7 million, down from fiscal 2024, the year ended 2024-12-31, revenue of $658.6 million and net income $58.8 million. FairStock’s Lynch category is SLOW GROWER—Shrinking, based on profit -0.7% a year over five years and revenue 11.2%. Financial returns are mediocre: FairStock calculates ROE of 11.94%, ROCE of 6.29%, debt-to-equity of 0.80, and trailing free cash flow of only $8.8 million, a 2.7% FCF yield. At the 2026-10-13 close of $10.85, FairStock’s P/E is 17.79, P/B is 1.93, and EV/EBITDA is 5.54. Its Graham Number is $8.77, meaning the price is about 23.72% above that value—no margin of safety by that old standard. The Piotroski score of 6/9 and Altman Z-Score of 2.35 suggest neither distress nor a fortress balance sheet. A beta of 0.77 and a price near the 52-week low may attract contrarians, but declining revenue, collapsing profit, and a 3.21% latest-quarter net margin are not the raw material of a durable moat. I would need evidence that the remittance franchise can stabilize before calling this cheap.

In plain English: International Money Express helps people send money between the United States and countries in Latin America, Mexico, the Caribbean, Africa and Asia through agents and online services. The business looks weak right now: sales and profit have fallen sharply, and the latest quarter was much less profitable than a year earlier. At $10.85 on 2026-10-13, the price sits near the low end of its recent range and looks about fair to slightly expensive compared with current profits and assets.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer