International Money Express (IMXI) Financials

$11.18 +0.11 (+0.99%)

As of 12:50 PM Eastern

Annual Income Statements for International Money Express

This table shows International Money Express' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	59	60	57
Consolidated Net Income / (Loss)	59	60	57
Net Income / (Loss) Continuing Operations	59	60	57
Total Pre-Tax Income	83	85	77
Total Revenue	-12	-10	547
Net Interest Income / (Expense)	-12	-10	0.00
Total Interest Income	0.00	0.00	0.00
Total Interest Expense	12	10	0.00
Long-Term Debt Interest Expense	12	10	-
Total Non-Interest Income	0.00	0.00	547
Total Non-Interest Expense	-95	-95	470
Salaries and Employee Benefits	68	70	52
Other Operating Expenses	477	479	399
Depreciation Expense	14	13	9.47
Restructuring Charge	4.88	1.66	3.01
Other Special Charges	-659	-659	5.63
Income Tax Expense	24	26	20
Basic Earnings per Share	$1.81	$1.67	$1.52
Weighted Average Basic Shares Outstanding	32.43M	35.60M	37.73M
Diluted Earnings per Share	$1.79	$1.63	$1.48
Weighted Average Diluted Shares Outstanding	32.85M	36.43M	38.63M
Weighted Average Basic & Diluted Shares Outstanding	30.65M	33.73M	36.44M

This table shows International Money Express' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	15	17	14	12	17	15	15	12	13	17
Consolidated Net Income / (Loss)	15	17	14	12	17	15	15	12	13	17
Net Income / (Loss) Continuing Operations	15	17	14	12	17	15	15	12	13	17
Total Pre-Tax Income	22	25	20	17	25	21	22	17	20	19
Total Revenue	-153	-3.20	-3.10	148	-178	172	-2.65	-2.19	299	-1.47
Net Interest Income / (Expense)	-2.75	-3.20	-3.10	-2.70	-5.58	0.00	-2.65	-2.19	3.53	-1.47
Total Interest Expense	2.75	3.20	3.10	2.70	5.58	0.00	2.65	2.19	-3.53	1.47
Long-Term Debt Interest Expense	2.75	3.20	3.10	2.70	-	-	2.65	2.19	-	1.47
Total Non-Interest Income	-150	0.00	0.00	150	-172	172	0.00	0.00	295	0.00
Total Non-Interest Expense	-175	-28	-23	131	-203	151	-25	-19	279	-21
Salaries and Employee Benefits	16	17	17	18	19	18	18	16	15	14
Other Operating Expenses	118	123	126	109	122	126	124	107	112	104
Depreciation Expense	3.66	3.38	3.37	3.23	3.36	3.47	3.14	2.90	2.76	2.28
Income Tax Expense	6.57	7.33	5.78	4.78	7.38	6.62	6.67	4.89	6.68	2.65
Basic Earnings per Share	$0.49	$0.53	$0.43	$0.36	$0.50	$0.42	$0.43	$0.32	$0.36	$0.44
Weighted Average Basic Shares Outstanding	32.43M	32.37M	32.70M	33.68M	35.60M	35.32M	36.00M	36.48M	37.73M	37.39M
Diluted Earnings per Share	$0.49	$0.53	$0.42	$0.35	$0.49	$0.41	$0.42	$0.31	$0.34	$0.43
Weighted Average Diluted Shares Outstanding	32.85M	32.73M	33.09M	34.19M	36.43M	36.08M	36.87M	37.36M	38.63M	38.43M
Weighted Average Basic & Diluted Shares Outstanding	30.65M	31.10M	32.61M	32.64M	33.73M	34.87M	35.42M	36.42M	36.44M	37.06M

This table details how cash moves in and out of International Money Express' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	-109	90	17
Net Cash From Operating Activities	53	144	15
Net Cash From Continuing Operating Activities	53	144	15
Net Income / (Loss) Continuing Operations	59	60	57
Consolidated Net Income / (Loss)	59	60	57
Provision For Loan Losses	6.41	5.00	2.57
Depreciation Expense	14	13	9.47
Amortization Expense	1.42	1.13	1.00
Non-Cash Adjustments to Reconcile Net Income	15	14	11
Changes in Operating Assets and Liabilities, net	-42	51	-66
Net Cash From Investing Activities	-44	-18	-13
Net Cash From Continuing Investing Activities	-44	-18	-13
Purchase of Property, Leasehold Improvements and Equipment	-30	-13	-12
Acquisitions	-12	0.00	0.00
Purchase of Investment Securities	-1.25	-5.48	-0.13
Other Investing Activities, net	-0.70	0.00	-0.23
Net Cash From Financing Activities	-114	-37	14
Net Cash From Continuing Financing Activities	-114	-37	14
Issuance of Debt	3,019	38	76
Repayment of Debt	-3,055	-6.22	-4.43
Repurchase of Common Equity	-75	-66	-54
Other Financing Activities, Net	-3.14	-2.64	-3.78
Effect of Exchange Rate Changes	-3.64	1.59	0.32
Cash Interest Paid	10	9.18	4.63
Cash Income Taxes Paid	25	22	24

This table details how cash moves in and out of International Money Express' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-26	-77	14	-20	17	75	62	-64	44	-9.55
Net Cash From Operating Activities	-4.88	29	-20	48	61	82	-1.15	1.16	25	-14
Net Cash From Continuing Operating Activities	-4.88	29	-20	48	61	82	-1.15	1.16	25	-14
Net Income / (Loss) Continuing Operations	15	17	14	12	17	15	15	12	13	17
Consolidated Net Income / (Loss)	15	17	14	12	17	15	15	12	13	17
Provision For Loan Losses	1.38	1.67	1.78	1.60	1.23	1.83	1.16	0.79	0.55	0.52
Depreciation Expense	3.66	3.38	3.37	3.23	3.36	3.47	3.14	2.90	2.76	2.28
Amortization Expense	0.53	0.29	0.30	0.30	0.30	0.30	0.28	0.25	0.25	0.25
Non-Cash Adjustments to Reconcile Net Income	2.62	4.85	3.90	3.85	1.78	24	-15	3.54	4.06	2.41
Changes in Operating Assets and Liabilities, net	-28	1.82	-43	27	37	38	-6.47	-18	4.34	-36
Net Cash From Investing Activities	-16	-7.71	-6.67	-13	-5.09	-3.16	-7.91	-2.12	-3.15	-2.51
Net Cash From Continuing Investing Activities	-16	-7.71	-6.67	-13	-5.09	-3.16	-7.91	-2.12	-3.15	-2.51
Purchase of Property, Leasehold Improvements and Equipment	-3.94	-5.91	-6.67	-13	-5.09	-3.16	-2.43	-2.12	-3.02	-2.51
Other Investing Activities, net	-0.15	-	-	-	-	-	-	-	-	-
Net Cash From Financing Activities	-2.97	-97	41	-55	-40	-3.72	70	-64	22	7.62
Net Cash From Continuing Financing Activities	-2.97	-97	41	-55	-40	-3.72	70	-64	22	7.62
Issuance of Debt	2,083	910	55	-29	-10	8.00	95	-55	33	43
Repayment of Debt	-2,064	-988	-1.64	-1.64	-1.69	-1.64	-1.80	-1.09	-1.14	-1.09
Repurchase of Common Equity	-20	-20	-11	-23	-26	-10	-23	-7.58	-10	-30
Other Financing Activities, Net	-1.18	0.20	-0.66	-1.50	-2.61	0.03	0.06	-0.11	0.19	-4.18
Effect of Exchange Rate Changes	-2.17	-1.02	-0.34	-0.10	0.71	-0.48	0.64	0.71	0.52	-0.25
Cash Interest Paid	2.49	2.76	2.78	2.41	2.44	2.45	2.28	2.00	1.85	1.31
Cash Income Taxes Paid	0.29	5.78	14	4.12	2.52	5.72	13	0.15	4.57	11

This table presents International Money Express' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	462	577	512
Cash and Due from Banks	131	239	149
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Premises and Equipment, Net	50	32	28
Goodwill	55	54	50
Intangible Assets	27	18	20
Other Assets	199	234	265
Total Liabilities & Shareholders' Equity	462	577	512
Total Liabilities	327	428	362
Short-Term Debt	105	169	143
Other Short-Term Payables	47	55	42
Long-Term Debt	157	181	150
Other Long-Term Liabilities	19	23	27
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	135	149	150
Total Preferred & Common Equity	135	149	150
Preferred Stock	0.00	0.00	-
Total Common Equity	135	149	150
Common Stock	80	76	70
Retained Earnings	257	199	139
Treasury Stock	-201	-126	-59
Accumulated Other Comprehensive Income / (Loss)	-1.45	0.26	-0.14

This table presents International Money Express' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	481	612	549	620	540	431	399
Cash and Due from Banks	157	233	219	222	147	85	105
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	49	46	43	29	29	28	23
Goodwill	55	54	54	54	53	49	36
Intangible Assets	16	16	17	19	21	19	13
Other Assets	204	263	216	295	290	250	222
Total Liabilities & Shareholders' Equity	481	612	549	620	540	431	399
Total Liabilities	339	470	410	462	389	275	254
Short-Term Debt	135	199	185	200	134	119	101
Other Short-Term Payables	46	48	53	44	42	38	32
Long-Term Debt	138	203	151	193	187	94	119
Other Long-Term Liabilities	20	21	21	25	26	25	1.58
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	142	142	138	158	151	156	145
Total Preferred & Common Equity	142	142	138	158	151	156	145
Total Common Equity	142	142	138	158	151	156	145
Common Stock	81	78	76	76	74	72	68
Retained Earnings	242	225	211	181	166	151	126
Treasury Stock	-181	-160	-149	-100	-90	-67	-49
Accumulated Other Comprehensive Income / (Loss)	-0.32	-0.26	0.12	0.00	0.22	0.04	-0.22

This table displays calculated financial ratios and metrics derived from International Money Express' official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	-12.65%	-101.91%	20.26%
EBITDA Growth	-0.73%	12.89%	19.09%
EBIT Growth	-2.11%	10.07%	22.05%
NOPAT Growth	-1.17%	3.81%	22.39%
Net Income Growth	-1.17%	3.81%	22.39%
EPS Growth	9.82%	10.14%	23.33%
Operating Cash Flow Growth	-63.01%	845.86%	-80.57%
Free Cash Flow Firm Growth	4,212.12%	104.66%	-263.58%
Invested Capital Growth	-20.59%	12.59%	45.10%
Revenue Q/Q Growth	-101.89%	-102.26%	46.10%
EBITDA Q/Q Growth	-2.37%	6.20%	2.39%
EBIT Q/Q Growth	-3.39%	6.42%	2.31%
NOPAT Q/Q Growth	-3.47%	8.05%	-0.11%
Net Income Q/Q Growth	-3.47%	8.05%	-0.11%
EPS Q/Q Growth	0.00%	10.14%	0.00%
Operating Cash Flow Q/Q Growth	-55.41%	33.56%	101.11%
Free Cash Flow Firm Q/Q Growth	-17.61%	102.87%	-344.68%
Invested Capital Q/Q Growth	-4.65%	-9.39%	21.35%
Profitability Metrics	-	-	-
EBITDA Margin	0.00%	0.00%	16.05%
EBIT Margin	0.00%	0.00%	14.13%
Profit (Net Income) Margin	0.00%	0.00%	10.48%
Tax Burden Percent	70.64%	69.97%	74.19%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	29.36%	30.04%	25.81%
Return on Invested Capital (ROIC)	0.00%	0.00%	15.32%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	15.32%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	23.82%
Return on Equity (ROE)	41.43%	39.82%	39.14%
Cash Return on Invested Capital (CROIC)	36.10%	0.80%	-21.48%
Operating Return on Assets (OROA)	0.00%	0.00%	18.13%
Return on Assets (ROA)	0.00%	0.00%	13.45%
Return on Common Equity (ROCE)	41.43%	39.82%	39.14%
Return on Equity Simple (ROE_SIMPLE)	43.60%	39.93%	38.24%
Net Operating Profit after Tax (NOPAT)	59	60	57
NOPAT Margin	0.00%	0.00%	10.48%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	9.55%
Operating Expenses to Revenue	0.00%	0.00%	85.87%
Earnings before Interest and Taxes (EBIT)	83	85	77
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	98	99	88
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	4.80	5.17	6.03
Price to Tangible Book Value (P/TBV)	12.25	10.01	11.25
Price to Revenue (P/Rev)	0.00	0.00	1.65
Price to Earnings (P/E)	11.01	12.94	15.75
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	9.08%	7.73%	6.35%
Enterprise Value to Invested Capital (EV/IC)	1.97	1.77	2.36
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	1.91
Enterprise Value to EBITDA (EV/EBITDA)	7.92	8.89	11.93
Enterprise Value to EBIT (EV/EBIT)	9.35	10.35	13.55
Enterprise Value to NOPAT (EV/NOPAT)	13.23	14.80	18.26
Enterprise Value to Operating Cash Flow (EV/OCF)	14.66	6.14	68.99
Enterprise Value to Free Cash Flow (EV/FCFF)	4.82	235.13	0.00
Leverage & Solvency	-	-	-
Debt to Equity	1.94	2.35	1.96
Long-Term Debt to Equity	1.16	1.22	1.00
Financial Leverage	2.15	2.15	1.55
Leverage Ratio	3.66	3.64	2.91
Compound Leverage Factor	3.66	3.64	2.91
Debt to Total Capital	65.94%	70.12%	66.17%
Short-Term Debt to Total Capital	26.40%	33.82%	32.26%
Long-Term Debt to Total Capital	39.54%	36.30%	33.91%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	34.06%	29.88%	33.83%
Debt to EBITDA	2.66	3.53	3.34
Net Debt to EBITDA	1.33	1.12	1.64
Long-Term Debt to EBITDA	1.59	1.83	1.71
Debt to NOPAT	4.44	5.88	5.11
Net Debt to NOPAT	2.22	1.86	2.51
Long-Term Debt to NOPAT	2.66	3.04	2.62
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	162	3.75	-80
Operating Cash Flow to CapEx	176.97%	1,121.03%	124.65%
Free Cash Flow to Firm to Interest Expense	13.75	0.36	0.00
Operating Cash Flow to Interest Expense	4.52	13.77	0.00
Operating Cash Flow Less CapEx to Interest Expense	1.97	12.54	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.00	0.00	1.28
Fixed Asset Turnover	0.00	0.00	23.74
Capital & Investment Metrics	-	-	-
Invested Capital	396	499	443
Invested Capital Turnover	0.00	0.00	1.46
Increase / (Decrease) in Invested Capital	-103	56	138
Enterprise Value (EV)	778	881	1,047
Market Capitalization	648	770	903
Book Value per Share	$4.34	$4.27	$4.04
Tangible Book Value per Share	$1.70	$2.21	$2.17
Total Capital	396	499	443
Total Debt	261	350	293
Total Long-Term Debt	157	181	150
Net Debt	131	111	144
Capital Expenditures (CapEx)	30	13	12
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	261	350	293
Total Depreciation and Amortization (D&A)	15	14	10
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$1.81	$1.67	$1.52
Adjusted Weighted Average Basic Shares Outstanding	32.43M	35.60M	37.73M
Adjusted Diluted Earnings per Share	$1.79	$1.63	$1.48
Adjusted Weighted Average Diluted Shares Outstanding	32.85M	36.43M	38.63M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	30.65M	33.73M	36.44M
Normalized Net Operating Profit after Tax (NOPAT)	-403	-400	64
Normalized NOPAT Margin	0.00%	0.00%	11.66%
Pre Tax Income Margin	0.00%	0.00%	14.13%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	7.09	8.16	0.00
NOPAT to Interest Expense	5.01	5.71	0.00
EBIT Less CapEx to Interest Expense	4.54	6.93	0.00
NOPAT Less CapEx to Interest Expense	2.45	4.48	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%
Augmented Payout Ratio	127.73%	111.34%	93.73%

This table displays calculated financial ratios and metrics derived from International Money Express' official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	13.96%	-101.86%	-16.75%	6,838.59%	-159.59%	11,862.41%	-101.95%	-101.93%	136.72%	-101.22%
EBITDA Growth	-8.36%	12.16%	-7.95%	3.12%	25.42%	15.70%	3.69%	6.46%	9.91%	22.91%
EBIT Growth	-11.75%	14.80%	-10.33%	1.42%	25.98%	11.26%	-0.02%	3.02%	9.71%	27.38%
NOPAT Growth	-12.08%	16.62%	-9.01%	2.92%	33.92%	-10.79%	-3.52%	0.93%	-0.50%	44.49%
Net Income Growth	-12.08%	16.62%	-9.01%	2.92%	33.92%	-10.79%	-3.52%	0.93%	-0.50%	44.49%
EPS Growth	0.00%	29.27%	0.00%	12.90%	44.12%	-4.65%	2.44%	3.33%	0.00%	48.28%
Operating Cash Flow Growth	-107.99%	-64.45%	-1,601.74%	4,065.46%	144.13%	672.13%	96.00%	-96.52%	43.86%	-50.32%
Free Cash Flow Firm Growth	408.59%	189.34%	57.95%	-108.81%	69.29%	-189.91%	-403.32%	-10.42%	-123.29%	-21.18%
Invested Capital Growth	-20.59%	-24.54%	15.27%	28.67%	12.59%	50.79%	48.15%	18.13%	45.10%	26.06%
Revenue Q/Q Growth	-4,686.25%	-3.39%	-102.10%	-77.48%	-203.24%	6,604.60%	-20.94%	-100.75%	20,477.49%	-101.08%
EBITDA Q/Q Growth	-7.59%	20.49%	15.03%	-28.45%	13.11%	-1.11%	28.85%	-12.98%	4.34%	-11.37%
EBIT Q/Q Growth	-10.85%	24.31%	17.32%	-32.12%	15.96%	-2.90%	32.70%	-15.69%	2.41%	-12.74%
NOPAT Q/Q Growth	-11.05%	23.26%	15.92%	-30.82%	17.98%	-3.83%	31.12%	-9.99%	-21.41%	4.02%
Net Income Q/Q Growth	-11.05%	23.26%	15.92%	-30.82%	17.98%	-3.83%	31.12%	-9.99%	-21.41%	4.02%
EPS Q/Q Growth	-7.55%	26.19%	20.00%	-28.57%	19.51%	-2.38%	35.48%	-8.82%	-20.93%	4.88%
Operating Cash Flow Q/Q Growth	-116.66%	249.73%	-140.57%	-21.03%	-25.90%	7,268.00%	-199.31%	-95.37%	273.67%	49.84%
Free Cash Flow Firm Q/Q Growth	-22.52%	362.67%	37.92%	-144.25%	77.57%	-23.62%	-208.27%	64.08%	-111.81%	-114.62%
Invested Capital Q/Q Growth	-4.65%	-23.65%	14.82%	-5.00%	-9.39%	16.63%	28.16%	-16.87%	21.35%	14.60%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	0.00%	0.00%	0.00%	13.82%	0.00%	14.63%	0.00%	0.00%	7.62%	0.00%
EBIT Margin	0.00%	0.00%	0.00%	11.43%	0.00%	12.44%	0.00%	0.00%	6.61%	0.00%
Profit (Net Income) Margin	0.00%	0.00%	0.00%	8.20%	0.00%	8.60%	0.00%	0.00%	4.37%	0.00%
Tax Burden Percent	70.08%	70.24%	70.84%	71.70%	70.35%	69.14%	69.81%	70.66%	66.18%	86.23%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	29.92%	29.76%	29.16%	28.30%	29.65%	30.86%	30.19%	29.34%	33.82%	13.77%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	15.54%	0.00%	8.66%	0.00%	0.00%	6.39%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	15.54%	0.00%	8.66%	0.00%	0.00%	6.39%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	28.96%	0.00%	17.53%	0.00%	0.00%	9.94%	0.00%
Return on Equity (ROE)	41.43%	0.00%	0.00%	44.49%	39.82%	26.19%	0.00%	0.00%	16.33%	0.00%
Cash Return on Invested Capital (CROIC)	36.10%	40.59%	-2.67%	-10.86%	0.80%	-28.47%	-24.42%	0.27%	-21.48%	-5.52%
Operating Return on Assets (OROA)	0.00%	0.00%	0.00%	18.63%	0.00%	11.25%	0.00%	0.00%	8.48%	0.00%
Return on Assets (ROA)	0.00%	0.00%	0.00%	13.36%	0.00%	7.78%	0.00%	0.00%	5.61%	0.00%
Return on Common Equity (ROCE)	41.43%	0.00%	0.00%	44.49%	39.82%	26.19%	0.00%	0.00%	16.33%	0.00%
Return on Equity Simple (ROE_SIMPLE)	0.00%	42.96%	41.06%	43.30%	0.00%	34.94%	37.71%	36.85%	0.00%	39.58%
Net Operating Profit after Tax (NOPAT)	15	17	14	12	17	15	15	12	13	17
NOPAT Margin	0.00%	0.00%	0.00%	8.20%	0.00%	8.60%	0.00%	0.00%	4.37%	0.00%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	0.00%	12.26%	0.00%	10.32%	0.00%	0.00%	5.13%	0.00%
Operating Expenses to Revenue	0.00%	0.00%	0.00%	88.57%	0.00%	87.56%	0.00%	0.00%	93.39%	0.00%
Earnings before Interest and Taxes (EBIT)	22	25	20	17	25	21	22	17	20	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	26	28	23	20	29	25	26	20	23	22
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	4.80	4.25	4.78	5.57	5.17	3.80	5.92	6.03	6.03	5.95
Price to Tangible Book Value (P/TBV)	12.25	8.50	9.41	11.48	10.01	7.10	11.64	10.61	11.25	8.98
Price to Revenue (P/Rev)	0.00	0.97	0.85	0.96	0.00	1.30	3.11	2.21	1.65	2.31
Price to Earnings (P/E)	11.01	9.89	11.63	12.87	12.94	10.89	15.71	16.36	15.75	15.04
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	9.08%	10.11%	8.60%	7.77%	7.73%	9.19%	6.37%	6.11%	6.35%	6.65%
Enterprise Value to Invested Capital (EV/IC)	1.97	1.73	1.56	1.87	1.77	1.40	2.26	2.90	2.36	2.68
Enterprise Value to Revenue (EV/Rev)	0.00	1.16	1.06	1.11	0.00	1.67	3.72	2.51	1.91	2.61
Enterprise Value to EBITDA (EV/EBITDA)	7.92	7.15	8.69	8.90	8.89	8.26	11.88	11.99	11.93	11.42
Enterprise Value to EBIT (EV/EBIT)	9.35	8.35	10.22	10.40	10.35	9.63	13.72	13.71	13.55	12.95
Enterprise Value to NOPAT (EV/NOPAT)	13.23	11.81	14.51	14.82	14.80	13.98	18.76	18.57	18.26	17.04
Enterprise Value to Operating Cash Flow (EV/OCF)	14.66	6.05	4.93	4.65	6.14	7.17	100.47	0.00	68.99	129.65
Enterprise Value to Free Cash Flow (EV/FCFF)	4.82	3.67	0.00	0.00	235.13	0.00	0.00	1,170.71	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.94	1.93	2.82	2.43	2.35	2.49	2.13	1.36	1.96	1.52
Long-Term Debt to Equity	1.16	0.97	1.43	1.09	1.22	1.23	1.24	0.60	1.00	0.82
Financial Leverage	2.15	2.23	2.47	1.86	2.15	2.03	1.54	1.20	1.55	1.36
Leverage Ratio	3.66	3.67	3.93	3.33	3.64	3.37	2.89	2.53	2.91	2.59
Compound Leverage Factor	3.66	3.67	3.93	3.33	3.64	3.37	2.89	2.53	2.91	2.59
Debt to Total Capital	65.94%	65.85%	73.82%	70.83%	70.12%	71.37%	68.05%	57.68%	66.17%	60.28%
Short-Term Debt to Total Capital	26.40%	32.58%	36.52%	39.07%	33.82%	36.28%	28.39%	32.24%	32.26%	27.76%
Long-Term Debt to Total Capital	39.54%	33.28%	37.30%	31.76%	36.30%	35.08%	39.66%	25.45%	33.91%	32.53%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	34.06%	34.15%	26.18%	29.17%	29.88%	28.63%	31.95%	42.32%	33.83%	39.72%
Debt to EBITDA	2.66	2.72	4.11	3.37	3.53	4.21	3.57	2.39	3.34	2.57
Net Debt to EBITDA	1.33	1.16	1.73	1.17	1.12	1.83	1.93	1.43	1.64	1.34
Long-Term Debt to EBITDA	1.59	1.37	2.08	1.51	1.83	2.07	2.08	1.05	1.71	1.39
Debt to NOPAT	4.44	4.49	6.87	5.61	5.88	7.13	5.65	3.70	5.11	3.83
Net Debt to NOPAT	2.22	1.92	2.88	1.95	1.86	3.09	3.06	2.21	2.51	2.00
Long-Term Debt to NOPAT	2.66	2.27	3.47	2.51	3.04	3.51	3.29	1.63	2.62	2.07
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	118	152	-58	-93	-38	-171	-138	-45	-125	-59
Operating Cash Flow to CapEx	-124.03%	495.80%	-293.40%	357.83%	1,199.63%	2,608.61%	-47.29%	54.65%	829.09%	-573.34%
Free Cash Flow to Firm to Interest Expense	42.98	47.63	-18.75	-34.59	-6.85	0.00	-52.06	-20.42	0.00	-40.14
Operating Cash Flow to Interest Expense	-1.78	9.16	-6.32	17.85	10.94	0.00	-0.43	0.53	0.00	-9.83
Operating Cash Flow Less CapEx to Interest Expense	-3.21	7.31	-8.48	12.86	10.03	0.00	-1.35	-0.44	0.00	-11.54
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	1.13	1.38	1.63	0.00	0.90	0.64	1.09	1.28	1.04
Fixed Asset Turnover	0.00	15.86	21.32	22.58	0.00	17.86	11.39	17.33	23.74	20.42
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	396	415	544	474	499	551	472	368	443	365
Invested Capital Turnover	0.00	1.29	1.57	1.90	0.00	1.01	0.73	1.25	1.46	1.14
Increase / (Decrease) in Invested Capital	-103	-135	72	106	56	185	153	57	138	75
Enterprise Value (EV)	778	720	849	887	881	770	1,067	1,067	1,047	978
Market Capitalization	648	603	680	770	770	600	893	940	903	863
Book Value per Share	$4.34	$4.35	$4.36	$4.10	$4.27	$4.45	$4.14	$4.28	$4.04	$3.83
Tangible Book Value per Share	$1.70	$2.18	$2.21	$1.99	$2.21	$2.38	$2.11	$2.43	$2.17	$2.54
Total Capital	396	415	544	474	499	551	472	368	443	365
Total Debt	261	274	402	336	350	393	321	212	293	220
Total Long-Term Debt	157	138	203	151	181	193	187	94	150	119
Net Debt	131	117	168	117	111	170	174	127	144	115
Capital Expenditures (CapEx)	3.94	5.91	6.67	13	5.09	3.16	2.43	2.12	3.02	2.51
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	261	274	402	336	350	393	321	212	293	220
Total Depreciation and Amortization (D&A)	4.19	3.67	3.67	3.53	3.66	3.77	3.42	3.15	3.00	2.52
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.49	$0.53	$0.43	$0.36	$0.50	$0.42	$0.43	$0.32	$0.36	$0.44
Adjusted Weighted Average Basic Shares Outstanding	32.43M	32.37M	32.70M	33.68M	35.60M	35.32M	36.00M	36.48M	37.73M	37.39M
Adjusted Diluted Earnings per Share	$0.49	$0.53	$0.42	$0.35	$0.49	$0.41	$0.42	$0.31	$0.34	$0.43
Adjusted Weighted Average Diluted Shares Outstanding	32.85M	32.73M	33.09M	34.19M	36.43M	36.08M	36.87M	37.36M	38.63M	38.43M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	30.65M	31.10M	32.61M	32.64M	33.73M	34.87M	35.42M	36.42M	36.44M	37.06M
Normalized Net Operating Profit after Tax (NOPAT)	15	-103	-106	12	-227	18	-103	-91	13	-105
Normalized NOPAT Margin	0.00%	0.00%	0.00%	8.20%	0.00%	10.18%	0.00%	0.00%	4.37%	0.00%
Pre Tax Income Margin	0.00%	0.00%	0.00%	11.43%	0.00%	12.44%	0.00%	0.00%	6.61%	0.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	7.99	7.70	6.40	6.25	4.46	0.00	8.33	7.59	0.00	13.15
NOPAT to Interest Expense	5.60	5.41	4.53	4.48	3.13	0.00	5.82	5.37	0.00	11.34
EBIT Less CapEx to Interest Expense	6.56	5.85	4.25	1.26	3.54	0.00	7.42	6.63	0.00	11.44
NOPAT Less CapEx to Interest Expense	4.17	3.56	2.38	-0.51	2.22	0.00	4.90	4.40	0.00	9.63
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	127.73%	132.24%	120.35%	137.16%	111.34%	91.90%	124.16%	100.44%	93.73%	83.80%

Frequently Asked Questions About International Money Express' Financials

When does International Money Express's financial year end?

According to the most recent income statement we have on file, International Money Express' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has International Money Express' net income changed over the last 2 years?

The last 5 years of International Money Express' net income performance:

2022: $57.33 million
2023: $59.52 million
2024: $58.82 million

Find out what analysts predict for International Money Express in the coming months.

How has International Money Express revenue changed over the last 2 years?

Over the last 2 years, International Money Express' total revenue changed from $546.81 million in 2022 to -$11.75 million in 2024, a change of -102.1%.

How much debt does International Money Express have?

International Money Express' total liabilities were at $327.45 million at the end of 2024, a 23.5% decrease from 2023, and a 9.6% decrease since 2022.

How much cash does International Money Express have?

In the past 2 years, International Money Express' cash and equivalents has ranged from $130.50 million in 2024 to $239.20 million in 2023, and is currently $130.50 million as of their latest financial filing in 2024.

How has International Money Express' book value per share changed over the last 2 years?

Over the last 2 years, International Money Express' book value per share changed from 4.04 in 2022 to 4.34 in 2024, a change of 7.3%.

Related Companies

This page (NASDAQ:IMXI) was last updated on 5/22/2025 by MarketBeat.com Staff

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

International Money Express (IMXI) Financials

Frequently Asked Questions About International Money Express' Financials

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

International Money Express (IMXI) Financials

Annual Income Statements for International Money Express

Quarterly Income Statements for International Money Express

Annual Cash Flow Statements for International Money Express

Quarterly Cash Flow Statements for International Money Express

Annual Balance Sheets for International Money Express

Quarterly Balance Sheets for International Money Express

Annual Metrics And Ratios for International Money Express

Quarterly Metrics And Ratios for International Money Express

Frequently Asked Questions About International Money Express' Financials

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools