International Money Express (IMXI) AI Stock Analysis

• Market Cap: $438.37M
• Dividend Yield: N/A
• Average Volume (3M): 667.32K
• Price to Earnings (P/E): 23.0
• Beta (1Y): 0.84
• Revenue Growth: -13.27%
• EPS Growth: -62.21%
• Country: US
• Employees: 1,096
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 30,211,626
• 10 Day Avg. Volume: 304,108
• 30 Day Avg. Volume: 667,319
• PEG Ratio: -0.35
• Price to Book (P/B): 2.86
• Price to Sales (P/S): 0.76
• P/FCF Ratio: 29.08
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: >-0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $13.00
• Price Target Upside: -9.09% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $15.00 ▲(4.90% Upside)
• Action: Reiterated
• Date: 08/11/26

Positive Factors

Debt-free balance sheet

The absence of reported debt materially reduces leverage and interest-burden risk, giving Intermex greater resilience if operating conditions weaken. Modest equity growth also supports financial flexibility for maintaining operations and funding priorities over the next several quarters.

Negative Factors

Revenue contraction

Recent revenue contraction indicates weakening transaction volumes, pricing, or corridor economics, reducing confidence in near-term growth. If the decline persists, lower scale could make it harder to absorb operating and compliance costs and could limit reinvestment in distribution and digital channels.

International Money Express Business Overview & Revenue Model

Company Description

International Money Express, Inc. (IMXI), operating primarily through its subsidiary, specializes in offering global money transfer and related financial processing services. The company's significant operational presence spans across the United S...

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International Money Express, Inc. (IMXI), operating primarily through its subsidiary, specializes in offering global money transfer and related financial processing services. The company's significant operational presence spans across the United S...

How the Company Makes Money

IMXI primarily makes money by charging fees and earning foreign-exchange (FX) spread on remittance transactions. For each transfer, the company typically earns (1) a transaction fee paid by the sender (or embedded in the pricing of the transfer) a...

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IMXI primarily makes money by charging fees and earning foreign-exchange (FX) spread on remittance transactions. For each transfer, the company typically earns (1) a transaction fee paid by the sender (or embedded in the pricing of the transfer) a...

International Money Express Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	451.97M	607.78M	658.65M	658.74M	546.80M	459.21M
Gross Profit	-3.28M	218.91M	590.40M	222.47M	182.00M	151.75M
EBITDA	56.38M	76.10M	108.66M	108.36M	92.38M	77.34M
Net Income	18.61M	32.67M	58.82M	59.52M	57.33M	46.84M
Balance Sheet
Total Assets	449.64M	517.69M	462.38M	576.81M	512.07M	340.54M
Cash, Cash Equivalents and Short-Term Investments	150.64M	168.68M	130.50M	239.20M	149.49M	132.47M
Total Debt	135.43M	216.51M	181.67M	215.86M	183.74M	83.09M
Total Liabilities	280.09M	356.64M	327.45M	427.77M	362.17M	197.50M
Stockholders Equity	169.55M	161.05M	134.92M	149.04M	149.91M	143.04M
Cash Flow
Free Cash Flow	8.84M	15.81M	23.09M	130.72M	3.00M	67.51M
Operating Cash Flow	31.06M	36.89M	53.09M	143.53M	15.17M	78.10M
Investing Cash Flow	-23.02M	-22.07M	-43.95M	-18.28M	-12.53M	-10.77M
Financing Cash Flow	-31.40M	20.80M	-114.20M	-37.12M	14.06M	-9.62M

International Money Express Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.30
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Neutral. The current price of 14.3 is above the 20-day moving average (MA) of 13.96, above the 50-day MA of 13.62, and below the 200-day MA of 15.00, indicating a neutral trend. The MACD of 0.33 indicates Negative momentum. The RSI at 58.74 is Neutral, neither overbought nor oversold. The STOCH value of 76.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IMXI.

International Money Express Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYS	75 Outperform	$759.42M	45.18	30.13%	―	46.84%	125.24%
PAYO	70 Outperform	$2.43B	50.50	7.27%	―	6.31%	-48.91%
JG	70 Outperform	$38.87M	43.62	9.31%	―	14.88%	―
RELY	69 Neutral	$5.54B	17.09	32.97%	―	23.79%	1992.92%
EEFT	66 Neutral	$2.76B	9.91	23.02%	―	5.76%	-3.78%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
IMXI	60 Neutral	$438.37M	22.98	11.58%	―	-13.27%	-62.21%