IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
International Money Express, Inc. (IMXI) is a leading omnichannel money transfer services company. It primarily serves the corridor between the United States and Latin America, including Mexico, Guatemala, and El Salvador.
Investment Thesis
IMXI is a high-growth, high-margin play on the 'remittance' market. Unlike legacy players, IMXI has built a highly efficient network that combines physical agent locations with a rapidly growing digital platform. The company's heavy focus on the U.S.-to-Latin America corridor gives it a specialized competitive advantage and deep customer loyalty. As labor migration remains a structural reality, the volume of money being sent home continues to grow. IMXI is successfully taking market share from larger, slower competitors while maintaining superior operating margins and a robust cash flow profile.
Key Growth Drivers
Omnichannel Growth Strategy
The seamless integration of their physical and digital networks allows IMXI to capture customers across all segments of the market, driving transaction volume growth.
Latin America Corridor Dominance
Specialized focus on high-volume routes to Mexico and Central America provides IMXI with significant scale advantages and pricing power in its core markets.
Consistent Operational Efficiency
A lean cost structure and highly automated processing engine result in top-tier EBITDA margins and strong free cash flow conversion.
Valuation & Financial Modeling
IMXI trades at an attractive multiple relative to its growth rate and industry peers. As the company continues to demonstrate its ability to scale profitably and gain market share, we expect a significant re-rating of the stock.
Risk Factors & Bear Case
Adverse changes in immigration policy or a severe economic downturn in the United States would reduce the volume of remittances. Furthermore, the market is highly competitive and sensitive to fluctuations in foreign exchange rates.
Conclusion
International Money Express is a high-performance financial services firm. It offers consistent growth and high margins in a resilient market. Rated 'Buy'.
Upcoming Catalysts
No upcoming catalysts identified.
Unlock Investment Thesis
Sign up for free access to institutional-quality research tools.
Relative valuation derived from Industrials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 50GRADE C+
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
25.5%
Sector: 8.9%
Dividend Analysis audit
No Dividend
This company does not currently pay a dividend.
Analyst Projections
Analyst Consensus
Unlock Valuation Tools
Sign up for free access to institutional-quality research tools.
Based on our 6-factor quantitative model, International Money Express, Inc. (IMXI) receives a "Buy" rating with a composite score of 51.5/100, ranked #68 out of 4446 stocks. Key factor scores: Quality 50/100, Value 73/100, Momentum 52/100. This is quantitative analysis only — not investment advice.
International Money Express, Inc. (IMXI) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does International Money Express, Inc. Do?
International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. 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. International Money Express, Inc. is headquartered in Miami, Florida. International Money Express, Inc. (IMXI) is classified as a small-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Robert Lisy and employs approximately 880 people. With a market capitalization of $476M, IMXI is one of the notable companies in the Industrials sector.
International Money Express, Inc. (IMXI) Stock Rating — Buy (April 2026)
As of April 2026, International Money Express, Inc. receives a Buy rating with a composite score of 51.5/100 and 4 out of 5 stars from the Blank Capital Research quantitative model.IMXI ranks #68 out of 4,446 stocks in our coverage universe. Within the Industrials sector, International Money Express, Inc. ranks #9 of 752 stocks, placing it in the top 10% of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
IMXI Stock Price and 52-Week Range
International Money Express, Inc. (IMXI) currently trades at $15.81. The stock gained $0.01 (0.1%) in the most recent trading session. The 52-week high for IMXI is $15.81, which means the stock is currently trading 0.0% from its annual peak. The 52-week low is $8.58, putting the stock 84.3% above its annual trough. Recent trading volume was 365K shares, suggesting relatively thin trading activity.
Is IMXI Overvalued or Undervalued? — Valuation Analysis
International Money Express, Inc. (IMXI) carries a value factor score of 73/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 11.60x, compared to the Industrials sector average of 28.33x — a discount of 59%. The price-to-book ratio stands at 2.96x, versus the sector average of 2.23x. The price-to-sales ratio is 0.75x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, IMXI trades at 6.62x EV/EBITDA, versus 5.70x for the sector.
Based on these multiples, International Money Express, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
International Money Express, Inc. Profitability — ROE, Margins, and Quality Score
International Money Express, Inc. (IMXI) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 25.5%, compared to the Industrials sector average of 8.9%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 7.9% versus the sector average of 3.3%.
On a margin basis, International Money Express, Inc. reports gross margins of 0.0%, compared to 35.8% for the sector. The operating margin is 11.2% (sector: 6.2%). Net profit margin stands at 6.4%, versus 3.9% for the average Industrials stock. Revenue growth is running at -9.7% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
IMXI Debt, Balance Sheet, and Financial Health
International Money Express, Inc. has a debt-to-equity ratio of 221.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 2.51x, indicating strong short-term liquidity. Total debt on the balance sheet is $270M. Cash and equivalents stand at $152M.
IMXI has a beta of 0.57, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for International Money Express, Inc. is 59/100, reflecting average volatility within the normal range for its sector.
International Money Express, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, International Money Express, Inc. reported revenue of $632M and earnings per share (EPS) of $1.09. Net income for the quarter was $41M. Gross margin was 0.0%. Operating income came in at $72M.
In FY 2025, International Money Express, Inc. reported revenue of $608M and earnings per share (EPS) of $1.09. Net income for the quarter was $33M. Revenue grew 5274.8% year-over-year compared to FY 2024. Operating income came in at $56M.
In Q3 2025, International Money Express, Inc. reported revenue of $155M and earnings per share (EPS) of $0.17. Net income for the quarter was $5M. Revenue grew -9.9% year-over-year compared to Q3 2024. Operating income came in at $11M.
In Q2 2025, International Money Express, Inc. reported revenue of $161M and earnings per share (EPS) of $0.37. Net income for the quarter was $11M. Revenue grew -6.1% year-over-year compared to Q2 2024. Operating income came in at $19M.
Over the past 8 quarters, International Money Express, Inc. has demonstrated a growth trajectory, with revenue expanding from $172M to $632M. Investors analyzing IMXI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
IMXI Dividend Yield and Income Analysis
International Money Express, Inc. (IMXI) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.
IMXI Momentum and Technical Analysis Profile
International Money Express, Inc. (IMXI) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 36/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 31/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
IMXI vs Competitors — Industrials Sector Ranking and Peer Comparison
Comparing IMXI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full IMXI vs S&P 500 (SPY) comparison to assess how International Money Express, Inc. stacks up against the broader market across all factor dimensions.
IMXI Next Earnings Date
No upcoming earnings date has been announced for International Money Express, Inc. (IMXI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy IMXI? — Investment Thesis Summary
The bull case for International Money Express, Inc. rests on several quantitative strengths. The value score of 73/100 suggests attractive pricing relative to fundamentals.
In summary, International Money Express, Inc. (IMXI) earns a Buy rating with a composite score of 51.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on IMXI stock.
We'll email you when stocks you follow change their composite rating.
Execution Benchmarks audit
Revenue Growth
YOY expansion rate
-9.7%
Sector: 6.4%
-252% VS SCTR
Gross Margin
Core pricing power
0.0%
Sector: 35.8%
-100% VS SCTR
Operating Margin
Operating efficiency
11.2%
Sector: 6.2%
+80% VS SCTR
Net Margin
Bottom-line conversion
6.4%
Sector: 3.9%
+65% VS SCTR
Return on Equity
Equity capital efficiency
25.5%
Sector: 8.9%
+185% VS SCTR
Return on Assets
Asset base utilization
7.9%
Sector: 3.3%
+144% VS SCTR
Debt/Equity
Financial leverage load
221.0%
Sector: 70.0%
-216% VS SCTR
Dividend Yield
Direct cash return
0.0%
Sector: 0.0%
-NaN% VS SCTR
+33%
Price / Sales
0.8x
+50%
International Money Express, Inc. exhibits a 10% valuation premium relative to institutional benchmarks. This represents a balanced risk/reward profile based on current multiples.
Return on Assets
Efficiency of asset utilization
7.9%
Sector: 3.3%
Gross Margin
Pricing power and cost efficiency
0.0%
Sector: 35.8%
Operating Margin
Core business profitability
11.2%
Sector: 6.2%
Net Margin
Bottom-line profitability
6.4%
Sector: 3.9%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.