International Money Express, Inc. (IMXI) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+332.9%

$41.21

vs $9.52 price

Levered DCF

$31.63

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

3.19

Safe zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	14.09×	11.51×	13.23×	16.03×	13.08×	17.44×	23.15×	-42.71×
P/B	2.86×	5.01×	5.28×	6.13×	4.29×	6.27×	8.05×	6.85×
P/S	0.76×	1.03×	1.19×	1.68×	1.34×	1.65×	1.41×	1.11×
EV / EBITDA	6.67×	6.69×	7.04×	10.32×	7.3×	9.47×	9.35×	12.14×
Gross margin	36.0%	89.6%	33.8%	33.3%	33.0%	33.2%	33.5%	33.4%
Operating margin	11.2%	14.4%	14.5%	15.2%	14.8%	14.8%	11.4%	4.8%
Net margin	5.4%	8.9%	9.0%	10.5%	10.2%	9.5%	6.1%	-2.6%
Current ratio	2.51×	1.96×	1.94×	2.07×	2.26×	2.22×	1.77×	2.04×
Debt / equity	1.34×	1.35×	1.45×	1.23×	0.58×	0.93×	1.69×	2.64×
Interest coverage	5.75×	8.09×	9.16×	14.73×	14.96×	8.05×	4.28×	0.71×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	20.3%	43.6%	39.9%	38.2%	32.7%	35.8%	35.0%	-16.3%
Return on invested capital	12.3%	21.2%	18.3%	18.2%	22.1%	21.1%	17.0%	8.1%
Return on assets	6.3%	12.7%	10.3%	11.2%	13.8%	13.0%	8.6%	-3.2%
Free cash flow yield	3.4%	3.4%	16.6%	0.3%	11.0%	-0.8%	10.2%	4.8%
Earnings yield	7.1%	8.7%	7.6%	6.2%	7.6%	5.7%	4.4%	-2.4%
Enterprise value	$507.7M	$726.7M	$763.2M	$953.8M	$564.7M	$603.4M	$459.2M	$349M
Net debt / EBITDA	0.63×	0.47×	-0.22×	0.37×	-0.64×	0.2×	0.17×	1.54×
Cash conversion cycle (days)	50	-44	56	62	27	37	22	25