International Money Express
IMXI Small CapTechnology · Software - Infrastructure
Updated: Jul 6, 2026, 22:20 UTC
Price Chart
Key Metrics
Valuation Analysis
About the Company
International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. 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. The company was founded in 1994 and is headquartered in Miami, Florida.
International Money Express Stock at a Glance
International Money Express (IMXI) is currently trading at $14.17 with a market capitalization of $426.4M. The trailing P/E ratio stands at 16.67x, with a forward P/E of 7.98x. The 52-week range spans from $8.58 to $15.95; the current price is 11.2% below the yearly high. Year-over-year revenue growth stands at -14.9%. The net profit margin stands at 4.31%.
💰 Dividend
International Money Express currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.
📊 Analyst Rating
1 analysts rate International Money Express (IMXI) on consensus: None. The average price target is $16.00, implying +12.91% from the current price. Analyst price targets range from $16.00 to $16.00.
International Money Express: The Investment Case in Detail
International Money Express (IMXI) operates in the Technology — specifically Software - Infrastructure — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
The Bull Case
Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.
The Bear Case
Revenue is contracting at -14.9% year-over-year — until that trend reverses, valuation is exposed to further downgrades. With a net margin of just 4.31%, the business has little room to absorb cost shocks or pricing pressure — a single bad quarter can swing the company to a loss.
Valuation in Context
The EV/EBITDA multiple of 6.4x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.
What to Watch Next
- The forward P/E of 7.98x is meaningfully below the trailing 16.67x — analysts expect earnings to step up; the next earnings release is the test.
Investment Thesis: Strengths & Weaknesses
- High return on equity (16.83% ROE)
- Currently flagged as undervalued
- –Revenue shrinking (-14.9% YoY)
- –Low profitability (4.31% margin)
- –High leverage (D/E 161.21)
- –Negative free cash flow
Technical Snapshot
Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).
Risk Profile
The data points to relatively defensive market behavior, higher leverage relative to equity.
Trading Data
Related Stocks in the Same Sector
Intermex (IMXI): the Walmart of Latino remittances trades at 8x forward earnings
The Real Story
IMXI is not a fintech app. It is roughly 100 000 physical retail agent locations — bodegas, supermarkets, check-cashers — across the US Sunbelt that send cash from Latino migrants to families in Mexico, Guatemala and El Salvador. Western Union has the brand recognition globally, but Intermex has the corner-store density where it matters: the Hispanic neighborhoods of Texas, California, Florida and Georgia.
The market hates this stock because it sees a legacy cash business getting crushed by Wise, Remitly and Revolut. The market is half right. Online remittance is growing 20 percent a year while Intermex grows 3 to 5 percent. But the half the market is wrong about is the customer: a $14 per hour day-laborer who gets paid in cash and whose mother in Oaxaca does not have a bank account either. That customer is structurally unbanked on both ends — and they walk into a physical store to send money. Intermex owns that aisle.
What Smart Money Thinks
No publicly disclosed 13F whale position above 5 percent. Stilwell Value LLC (activist on small-cap financials) accumulated a stake in 2024 and pushed for buybacks — management responded with a $100M repurchase authorization, shrinking float by roughly 10 percent over 18 months. Insider ownership ~6 percent, CEO Bob Lisy founded the company in 1994 and still runs it.
Explore the BMI Smart-Money Tracker →
📈 The 3 Real Bull Points
📉 The 3 Real Bear Points
Valuation in Context
At $15 with $0.85 trailing EPS and analyst consensus $1.78 forward EPS, the forward P/E of 8.6 is at the bottom of the financial-services small-cap range. EV/EBITDA 6.7 prices in zero growth. Tangible book is roughly $5 per share, so most of the market cap is goodwill from agent-network acquisitions — not pure cash flow earned today.
🗓️ Next 3 Catalyst Dates
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💬 Daniel's Take
I like deeply unloved compounders with a moat the market cannot see because it looks dirty. Cash-handling, bodega-counter, undocumented-migrant remittance is exactly that — a business that goes nowhere on a slide deck and prints cash. Forward P/E 8.6 with a 10 percent annual share-shrink is the kind of math that quietly doubles money over five years even if revenue grows 3 percent. The risk is regulatory headline shock; the reward is being early on a recapitalization. I treat IMXI as a 2 to 3 percent position in a value sleeve, not a core holding.
Sources (3)
Disclaimer: This article is not investment advice. Investing in stocks carries risks, including total loss.
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