International Money Express (IMXI) Financials

$14.54 0.00 (0.00%)

Closing price 07/2/2026 04:00 PM Eastern

Extended Trading

$14.52 -0.02 (-0.17%)

As of 07/2/2026 05:39 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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-0.00	-0.19	-7.24	20	34	47	57	60	59	33
Consolidated Net Income / (Loss)	-0.00	-0.19	-7.24	20	34	47	57	60	59	33
Net Income / (Loss) Continuing Operations	-0.00	-0.19	-7.24	20	34	47	57	60	59	33
Total Pre-Tax Income	-0.00	0.25	-5.38	28	46	63	77	85	83	47
Total Revenue	0.00	1.38	255	311	-6.57	455	547	-10	-12	-12
Net Interest Income / (Expense)	0.00	1.38	-18	-8.51	-6.57	-4.54	0.00	-10	-12	-12
Total Interest Income	0.00	1.38	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	0.00	0.00	18	8.51	6.57	4.54	0.00	10	12	12
Long-Term Debt Interest Expense	-	-	18	8.51	6.57	4.54	-	10	12	12
Total Non-Interest Income	0.00	0.00	274	320	0.00	459	547	0.00	0.00	0.00
Provision for Credit Losses	-	-	-	-	-	-	-	5.00	6.41	7.92
Total Non-Interest Expense	0.00	1.13	261	283	-53	391	470	-100	-101	-67
Salaries and Employee Benefits	-	-	33	31	33	43	52	70	68	75
Other Operating Expenses	-	-	202	240	261	338	399	474	470	436
Depreciation Expense	-	-	16	13	11	9.49	9.47	13	14	17
Impairment Charge	-	-	-	-	-	-	-	0.00	0.00	1.21
Restructuring Charge	-	-	10	-	0.00	1.01	3.01	1.66	4.88	11
Other Special Charges	0.00	1.13	-	-	-357	-	5.63	-659	-659	-608
Income Tax Expense	0.00	0.44	1.87	8.32	13	16	20	26	24	14
Basic Earnings per Share	$0.00	($0.02)	($0.28)	$0.52	$0.89	$1.22	$1.52	$1.67	$1.81	$1.09
Weighted Average Basic Shares Outstanding	5.27M	23.89M	25.48M	37.43M	38.06M	38.47M	37.73M	35.60M	32.43M	29.94M
Diluted Earnings per Share	$0.00	($0.02)	($0.28)	$0.52	$0.88	$1.20	$1.48	$1.63	$1.79	$1.08
Weighted Average Diluted Shares Outstanding	5.27M	23.89M	25.48M	37.59M	38.36M	39.10M	38.63M	36.43M	32.85M	30.18M
Weighted Average Basic & Diluted Shares Outstanding	5.27M	7.59M	25.48M	38.03M	38.22M	38.32M	36.44M	33.73M	30.65M	30.14M

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
Consolidated Net Income / (Loss)	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
Net Income / (Loss) Continuing Operations	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
Total Pre-Tax Income	21	25	17	20	25	22	11	16	7.55	12	1.47
Total Revenue	172	-178	-2.70	-3.10	169	-153	-2.70	-3.09	152	-158	-2.21
Net Interest Income / (Expense)	0.00	-5.58	-2.70	-3.10	-3.20	-2.75	-2.70	-3.09	-2.98	-3.06	-2.21
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	0.00	5.58	2.70	3.10	3.20	2.75	2.70	3.09	2.98	3.06	2.21
Long-Term Debt Interest Expense	-	-	2.70	3.10	3.20	2.75	2.70	3.09	2.98	3.06	2.21
Total Non-Interest Income	172	-172	0.00	0.00	172	-150	0.00	0.00	155	-155	0.00
Provision for Credit Losses	-	-	1.60	1.78	1.67	-	2.07	1.86	2.15	1.84	2.89
Total Non-Interest Expense	151	-203	-21	-25	142	-175	-16	-21	142	-172	-6.57
Salaries and Employee Benefits	18	19	18	17	17	16	18	19	20	19	19
Other Operating Expenses	126	122	108	124	122	118	105	115	113	104	91
Depreciation Expense	3.47	3.36	3.23	3.37	3.38	3.66	3.63	4.45	4.41	4.67	4.69
Restructuring Charge	1.15	-	0.01	2.74	0.08	-	1.48	2.22	5.35	2.15	1.17
Other Special Charges	2.80	-347	-150	-172	-	-	-144	-161	-	-	-122
Income Tax Expense	6.62	7.38	4.78	5.78	7.33	6.57	3.61	5.36	2.59	2.87	0.96
Basic Earnings per Share	$0.42	$0.50	$0.36	$0.43	$0.53	$0.49	$0.25	$0.37	$0.17	$0.30	$0.02
Weighted Average Basic Shares Outstanding	35.32M	35.60M	33.68M	32.70M	32.37M	32.43M	30.59M	29.84M	29.62M	29.94M	29.86M
Diluted Earnings per Share	$0.41	$0.49	$0.35	$0.42	$0.53	$0.49	$0.25	$0.37	$0.17	$0.29	$0.02
Weighted Average Diluted Shares Outstanding	36.08M	36.43M	34.19M	33.09M	32.73M	32.85M	30.83M	29.91M	29.82M	30.18M	30.38M
Weighted Average Basic & Diluted Shares Outstanding	34.87M	33.73M	32.64M	32.61M	31.10M	30.65M	29.98M	29.68M	29.72M	30.14M	30.09M

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	0.08	0.28	13	13	-11	58	17	90	-109	38
Net Cash From Operating Activities	-0.00	-0.67	20	53	-0.88	78	15	144	53	37
Net Cash From Continuing Operating Activities	-0.00	-0.67	20	53	-0.88	78	15	144	53	37
Net Income / (Loss) Continuing Operations	-0.00	-0.19	-7.24	20	34	47	57	60	59	33
Consolidated Net Income / (Loss)	-0.00	-0.19	-7.24	20	34	47	57	60	59	33
Provision For Loan Losses	-	-	1.24	1.63	1.80	1.54	2.57	5.00	6.41	7.92
Depreciation Expense	-	-	16	13	11	9.49	9.47	13	14	17
Amortization Expense	-	-	4.45	0.73	0.76	0.88	1.00	1.13	1.42	1.02
Non-Cash Adjustments to Reconcile Net Income	0.00	-1.38	8.08	4.74	5.09	21	11	14	15	27
Changes in Operating Assets and Liabilities, net	0.00	0.90	-2.35	13	-53	-2.13	-66	51	-42	-49
Net Cash From Investing Activities	0.00	-175	-5.45	-6.72	-4.06	-11	-13	-18	-44	-22
Net Cash From Continuing Investing Activities	0.00	-175	-5.45	-6.72	-4.06	-11	-13	-18	-44	-22
Purchase of Property, Leasehold Improvements and Equipment	-	-	-5.33	-6.47	-4.06	-11	-12	-13	-30	-21
Acquisitions	-	-	-	-	-	-	0.00	0.00	-12	0.00
Purchase of Investment Securities	-	-175	-	-	0.00	0.00	-0.13	-5.48	-1.25	0.00
Sale and/or Maturity of Investments	-	0.50	-	-	-	-	-	0.00	0.00	0.41
Other Investing Activities, net	0.00	-	-0.12	-0.25	0.00	-0.19	-0.23	0.00	-0.70	-1.40
Net Cash From Financing Activities	0.08	175	-1.11	-33	-6.16	-9.62	14	-37	-114	21
Net Cash From Continuing Financing Activities	0.08	175	-1.11	-33	-6.16	-9.62	14	-37	-114	21
Issuance of Debt	0.26	0.00	100	12	0.00	40	76	38	3,019	8,085
Repayment of Debt	0.00	-0.23	-101	-35	-7.66	-47	-4.43	-6.22	-3,055	-8,046
Repurchase of Common Equity	-	-	0.00	-10	0.00	-5.57	-54	-66	-75	-16
Other Financing Activities, Net	-0.17	171	0.01	0.28	1.50	2.96	-3.78	-2.64	-3.14	-1.09
Effect of Exchange Rate Changes	-	-	-0.04	0.22	-0.11	-0.14	0.32	1.59	-3.64	2.56
Cash Interest Paid	-	-	11	8.77	5.81	3.67	4.63	9.18	10	11
Cash Income Taxes Paid	-	-	1.50	4.87	11	13	24	22	25	18

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	75	17	-20	14	-77	-26	21	23	-23	17	1.64
Net Cash From Operating Activities	82	61	48	-20	29	-4.88	41	40	-29	-16	-37
Net Cash From Continuing Operating Activities	82	61	48	-20	29	-4.88	41	40	-29	-16	-37
Net Income / (Loss) Continuing Operations	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
Consolidated Net Income / (Loss)	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
Provision For Loan Losses	1.83	1.23	1.60	1.78	1.67	1.38	2.07	1.86	2.15	1.84	2.89
Depreciation Expense	3.47	3.36	3.23	3.37	3.38	3.66	3.63	4.45	4.41	4.67	4.69
Amortization Expense	0.30	0.30	0.30	0.30	0.29	0.53	0.26	0.26	0.26	0.25	0.25
Non-Cash Adjustments to Reconcile Net Income	24	1.78	3.85	3.90	4.85	2.62	3.84	-25	6.84	14	4.58
Changes in Operating Assets and Liabilities, net	38	37	27	-43	1.82	-28	24	47	-47	-45	-50
Net Cash From Investing Activities	-3.16	-5.09	-13	-6.67	-7.71	-16	-5.31	-4.72	-7.47	-4.56	-5.49
Net Cash From Continuing Investing Activities	-3.16	-5.09	-13	-6.67	-7.71	-16	-5.31	-4.72	-7.47	-4.56	-5.49
Purchase of Property, Leasehold Improvements and Equipment	-3.16	-5.09	-13	-6.67	-5.91	-3.94	-5.28	-4.57	-6.87	-4.36	-5.49
Other Investing Activities, net	-	-	0.00	-	-	-0.15	-0.04	-0.15	-1.01	-0.20	0.00
Net Cash From Financing Activities	-3.72	-40	-55	41	-97	-2.97	-15	-15	14	37	45
Net Cash From Continuing Financing Activities	-3.72	-40	-55	41	-97	-2.97	-15	-15	14	37	45
Issuance of Debt	8.00	-10	0.00	55	910	2,083	1,916	2,119	2,052	1,998	1,962
Repayment of Debt	-1.64	-1.69	-30	-1.64	-988	-2,064	-1,925	-2,122	-2,038	-1,961	-1,916
Repurchase of Common Equity	-10	-26	-23	-11	-20	-20	-4.98	-11	-	-	0.00
Other Financing Activities, Net	0.03	-2.61	-1.50	-0.66	0.20	-1.18	-0.93	-0.01	-0.18	0.03	-0.94
Effect of Exchange Rate Changes	-0.48	0.71	-0.10	-0.34	-1.02	-2.17	0.44	2.40	-0.62	0.34	-0.56
Cash Interest Paid	2.45	2.44	2.41	2.78	2.76	2.49	2.45	2.84	2.72	2.81	1.94
Cash Income Taxes Paid	5.72	2.52	4.12	14	5.78	0.29	1.29	11	4.71	1.18	0.97

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	0.00	0.47	217	226	227	259	341	512	577	462	518
Cash and Due from Banks	0.00	0.08	59	73	86	75	132	149	239	131	169
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	-	-	8.49	10	13	13	18	28	32	50	57
Goodwill	-	-	36	36	36	36	36	50	54	55	54
Intangible Assets	-	-	49	36	27	20	15	20	18	27	25
Other Assets	-	0.00	64	70	64	115	139	265	234	199	212
Total Liabilities & Shareholders' Equity	0.00	0.47	217	226	227	259	341	512	577	462	518
Total Liabilities	0.00	0.45	181	181	171	165	197	362	428	327	357
Short-Term Debt	0.00	0.23	61	52	61	62	83	143	169	105	103
Other Short-Term Payables	-	-	12	16	23	22	34	42	55	47	38
Long-Term Debt	-	-	108	113	88	81	79	150	181	157	195
Other Long-Term Liabilities	-	0.00	-	-	0.00	0.69	1.43	27	23	19	21
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	-0.00	0.02	36	44	56	94	143	150	149	135	161
Total Preferred & Common Equity	-0.00	0.02	36	44	56	94	143	150	149	135	161
Preferred Stock	0.00	0.00	-	-	-	-	-	-	0.00	0.00	0.00
Total Common Equity	-0.00	0.02	36	44	56	94	143	150	149	135	161
Common Stock	0.03	0.03	46	62	55	59	67	70	76	80	88
Retained Earnings	-0.00	-0.00	-10	-17	1.18	35	82	139	199	257	290
Treasury Stock	-	-	-	-	-	0.00	-5.57	-59	-126	-201	-217
Accumulated Other Comprehensive Income / (Loss)	-	-	-0.00	-0.00	0.09	-0.01	-0.08	-0.14	0.26	-1.45	0.10

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 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	399	431	540	620	549	612	481	491	518	479	566
Cash and Due from Banks	105	85	147	222	219	233	157	152	175	152	170
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	23	28	29	29	43	46	49	53	54	57	59
Goodwill	36	49	53	54	54	54	55	55	55	55	54
Intangible Assets	13	19	21	19	17	16	16	26	27	27	24
Other Assets	222	250	290	295	216	263	204	205	207	189	259
Total Liabilities & Shareholders' Equity	399	431	540	620	549	612	481	491	518	479	566
Total Liabilities	254	275	389	462	410	470	339	351	376	329	403
Short-Term Debt	101	119	134	200	185	199	135	138	170	112	99
Other Short-Term Payables	32	38	42	44	53	48	46	48	45	42	42
Long-Term Debt	119	94	187	193	151	203	138	147	144	158	241
Other Long-Term Liabilities	1.58	25	26	25	21	21	20	17	16	18	21
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	145	156	151	158	138	142	142	139	142	150	163
Total Preferred & Common Equity	145	156	151	158	138	142	142	139	142	150	163
Preferred Stock	-	-	-	-	-	-	-	0.00	0.00	0.00	0.00
Total Common Equity	145	156	151	158	138	142	142	139	142	150	163
Common Stock	68	72	74	76	76	78	81	81	83	86	89
Retained Earnings	126	151	166	181	211	225	242	265	276	281	291
Treasury Stock	-49	-67	-90	-100	-149	-160	-181	-206	-217	-217	-217
Accumulated Other Comprehensive Income / (Loss)	-0.22	0.04	0.22	0.00	0.12	-0.26	-0.32	-1.10	0.14	-0.02	-0.37

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

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	23,893,333.00	36,182,783.00	38,007,611.00	38,072,882.00	38,613,689.00	-	-	-	29,718,731.00
DEI Adjusted Shares Outstanding	0.00	23,893,333.00	36,182,783.00	38,007,611.00	38,072,882.00	38,613,689.00	-	-	-	29,718,731.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	-0.01	-0.20	0.52	0.89	1.21	-	-	-	1.10
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	0.00%	18,368.45%	21.78%	-102.11%	7,024.60%	20.26%	-101.91%	-12.65%	-0.77%
EBITDA Growth	0.00%	15,607.34%	5,764.97%	180.51%	39.98%	27.28%	19.09%	12.89%	-0.73%	-33.61%
EBIT Growth	0.00%	15,607.34%	-2,238.65%	619.57%	65.76%	36.75%	22.05%	10.07%	-2.11%	-43.44%
NOPAT Growth	0.00%	-16,234.45%	-1,930.35%	621.07%	72.29%	38.65%	22.39%	3.81%	-1.17%	-44.46%
Net Income Growth	0.00%	-11,334.11%	-3,808.34%	370.69%	72.29%	38.65%	22.39%	3.81%	-1.17%	-44.46%
EPS Growth	0.00%	0.00%	-1,300.00%	285.71%	69.23%	36.36%	23.33%	10.14%	9.82%	-39.66%
Operating Cash Flow Growth	0.00%	-107,250.48%	3,071.01%	164.82%	-101.68%	8,974.77%	-80.57%	845.86%	-63.01%	-30.51%
Free Cash Flow Firm Growth	0.00%	0.00%	96.01%	403.84%	-93.50%	-1,468.79%	-263.58%	104.66%	4,212.12%	-118.54%
Invested Capital Growth	0.00%	80,941.19%	2.15%	-2.51%	15.75%	29.17%	45.10%	12.59%	-20.59%	15.81%
Revenue Q/Q Growth	0.00%	0.00%	290.45%	44.43%	-101.60%	210.82%	46.10%	-102.26%	-101.89%	58.54%
EBITDA Q/Q Growth	0.00%	0.00%	595.47%	13.45%	9.61%	6.51%	2.39%	6.20%	-2.37%	-13.81%
EBIT Q/Q Growth	0.00%	0.00%	-80.67%	48.96%	13.54%	8.11%	2.31%	6.42%	-3.39%	-19.20%
NOPAT Q/Q Growth	0.00%	0.00%	-80.67%	2.49%	14.50%	8.11%	-0.11%	8.05%	-3.47%	-16.49%
Net Income Q/Q Growth	0.00%	0.00%	37.98%	2.49%	14.50%	8.11%	-0.11%	8.05%	-3.47%	-16.49%
EPS Q/Q Growth	0.00%	0.00%	15.15%	13.04%	14.29%	9.09%	0.00%	10.14%	0.00%	-15.63%
Operating Cash Flow Q/Q Growth	0.00%	-46.60%	-34.54%	13.05%	-103.26%	176.67%	101.11%	33.56%	-55.41%	-22.55%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-39.26%	-90.38%	-32.09%	-344.68%	102.87%	-17.61%	-185.16%
Invested Capital Q/Q Growth	0.00%	0.00%	-12.22%	-5.82%	2.98%	5.43%	21.35%	-9.39%	-4.65%	9.39%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	0.00%	18.17%	5.77%	13.29%	0.00%	16.21%	16.05%	0.00%	0.00%	0.00%
EBIT Margin	0.00%	18.17%	-2.10%	8.98%	0.00%	13.93%	14.13%	0.00%	0.00%	0.00%
Profit (Net Income) Margin	0.00%	-13.40%	-2.84%	6.30%	0.00%	10.30%	10.48%	0.00%	0.00%	0.00%
Tax Burden Percent	100.00%	-73.73%	134.75%	70.20%	72.97%	73.98%	74.19%	69.97%	70.64%	69.37%
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	0.00%	173.73%	0.00%	29.80%	27.03%	26.02%	25.81%	30.04%	29.36%	30.63%
Return on Invested Capital (ROIC)	0.00%	-0.18%	-1.82%	9.48%	0.00%	17.29%	15.32%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-0.18%	-3.90%	9.48%	0.00%	17.29%	15.32%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-0.85%	-16.21%	29.57%	0.00%	22.19%	23.82%	0.00%	0.00%	0.00%
Return on Equity (ROE)	-17.06%	-1.03%	-18.03%	39.05%	44.98%	39.48%	39.14%	39.82%	41.43%	22.08%
Cash Return on Invested Capital (CROIC)	0.00%	-199.69%	-3.95%	12.02%	0.73%	-8.16%	-21.48%	0.80%	36.10%	-7.01%
Operating Return on Assets (OROA)	0.00%	0.23%	-2.43%	12.33%	0.00%	21.10%	18.13%	0.00%	0.00%	0.00%
Return on Assets (ROA)	0.00%	-0.17%	-3.27%	8.65%	0.00%	15.61%	13.45%	0.00%	0.00%	0.00%
Return on Common Equity (ROCE)	-17.06%	-1.03%	-18.03%	39.05%	44.98%	39.48%	39.14%	39.82%	41.43%	22.08%
Return on Equity Simple (ROE_SIMPLE)	-7.65%	-0.52%	-16.29%	35.04%	35.84%	32.75%	38.24%	39.93%	43.60%	20.29%
Net Operating Profit after Tax (NOPAT)	-0.00	-0.19	-3.76	20	34	47	57	60	59	33
NOPAT Margin	0.00%	-13.40%	-1.47%	6.30%	0.00%	10.30%	10.48%	0.00%	0.00%	0.00%
Net Nonoperating Expense Percent (NNEP)	0.21%	0.00%	2.08%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	12.89%	9.87%	0.00%	9.47%	9.55%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	0.00%	81.83%	102.10%	91.02%	0.00%	86.07%	85.87%	0.00%	0.00%	0.00%
Earnings before Interest and Taxes (EBIT)	-0.00	0.25	-5.38	28	46	63	77	85	83	47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-0.00	0.25	15	41	58	74	88	99	98	65
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	6.60	9.73	8.18	6.27	4.31	6.03	5.17	4.80	2.83
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	15.73	6.74	11.25	10.01	12.25	5.59
Price to Revenue (P/Rev)	0.00	171.36	1.69	1.47	0.00	1.36	1.65	0.00	0.00	0.00
Price to Earnings (P/E)	0.00	0.00	0.00	23.34	17.49	13.16	15.75	12.94	11.01	13.97
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	4.29%	5.72%	7.60%	6.35%	7.73%	9.08%	7.16%
Enterprise Value to Invested Capital (EV/IC)	0.00	1.69	2.50	2.54	2.78	2.12	2.36	1.77	1.97	1.28
Enterprise Value to Revenue (EV/Rev)	0.00	250.89	2.05	1.67	0.00	1.42	1.91	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	1,380.51	35.59	12.57	11.37	8.77	11.93	8.89	7.92	8.97
Enterprise Value to EBIT (EV/EBIT)	0.00	1,380.51	0.00	18.61	14.21	10.20	13.55	10.35	9.35	12.43
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	26.51	19.48	13.79	18.26	14.80	13.23	17.92
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	26.45	9.89	0.00	8.27	68.99	6.14	14.66	15.87
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	20.91	407.51	0.00	0.00	235.13	4.82	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	10.94	4.71	3.71	2.65	1.51	1.13	1.96	2.35	1.94	1.85
Long-Term Debt to Equity	0.00	3.01	2.55	1.57	0.85	0.55	1.00	1.22	1.16	1.21
Financial Leverage	10.94	4.72	4.16	3.12	1.93	1.28	1.55	2.15	2.15	1.89
Leverage Ratio	24.76	6.04	5.50	4.51	3.24	2.53	2.91	3.64	3.66	3.31
Compound Leverage Factor	24.76	6.04	5.50	4.51	3.24	2.53	2.91	3.64	3.66	3.31
Debt to Total Capital	91.63%	82.49%	78.77%	72.60%	60.13%	53.16%	66.17%	70.12%	65.94%	64.89%
Short-Term Debt to Total Capital	91.63%	29.80%	24.67%	29.69%	26.04%	27.21%	32.26%	33.82%	26.40%	22.42%
Long-Term Debt to Total Capital	0.00%	52.69%	54.10%	42.90%	34.09%	25.94%	33.91%	36.30%	39.54%	42.47%
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	8.38%	17.51%	21.23%	27.40%	39.87%	46.84%	33.83%	29.88%	34.06%	35.11%
Debt to EBITDA	-143.03	672.95	11.19	3.59	2.46	2.20	3.34	3.53	2.66	4.56
Net Debt to EBITDA	-92.06	437.62	6.24	1.50	1.16	0.40	1.64	1.12	1.33	1.98
Long-Term Debt to EBITDA	0.00	429.85	7.69	2.12	1.39	1.08	1.71	1.83	1.59	2.98
Debt to NOPAT	-204.32	-912.68	-43.85	7.56	4.21	3.47	5.11	5.88	4.44	9.11
Net Debt to NOPAT	-131.52	-593.52	-24.44	3.17	1.99	0.64	2.51	1.86	2.22	3.95
Long-Term Debt to NOPAT	0.00	-582.98	-30.11	4.47	2.39	1.69	2.62	3.04	2.66	5.96
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)	0.00	-205	-8.18	25	1.62	-22	-80	3.75	162	-30
Operating Cash Flow to CapEx	0.00%	0.00%	372.13%	812.09%	-21.66%	737.61%	124.65%	1,121.03%	176.97%	175.04%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	-0.44	2.92	0.25	-4.87	0.00	0.36	13.75	-2.53
Operating Cash Flow to Interest Expense	0.00	0.00	1.08	6.17	-0.13	17.21	0.00	13.77	4.52	3.12
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.79	5.41	-0.75	14.88	0.00	12.54	1.97	1.34
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.01	1.15	1.37	0.00	1.52	1.28	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	27.06	26.28	0.00	29.40	23.74	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	0.25	205	209	204	236	305	443	499	396	459
Invested Capital Turnover	0.00	0.01	1.23	1.50	0.00	1.68	1.46	0.00	0.00	0.00
Increase / (Decrease) in Invested Capital	0.00	205	4.42	-5.25	32	69	138	56	-103	63
Enterprise Value (EV)	0.00	347	525	520	658	646	1,047	881	778	585
Market Capitalization	0.00	237	433	458	591	616	903	770	648	456
Book Value per Share	$0.00	$1.50	$1.23	$1.47	$2.48	$3.70	$4.04	$4.27	$4.34	$5.42
Tangible Book Value per Share	$0.00	($2.05)	($0.78)	($0.20)	$0.99	$2.37	$2.17	$2.21	$1.70	$2.75
Total Capital	0.25	205	209	204	236	305	443	499	396	459
Total Debt	0.23	169	165	148	142	162	293	350	261	298
Total Long-Term Debt	0.00	108	113	88	81	79	150	181	157	195
Net Debt	0.15	110	92	62	67	30	144	111	131	129
Capital Expenditures (CapEx)	0.00	0.00	5.33	6.47	4.06	11	12	13	30	21
Net Nonoperating Expense (NNE)	0.00	0.00	3.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.23	169	165	148	142	162	293	350	261	298
Total Depreciation and Amortization (D&A)	0.00	0.00	20	13	12	10	10	14	15	18
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	($0.02)	($0.28)	$0.52	$0.89	$1.22	$1.52	$1.67	$1.81	$1.09
Adjusted Weighted Average Basic Shares Outstanding	5.27M	23.89M	36.18M	37.43M	38.06M	38.47M	37.73M	35.60M	32.43M	29.94M
Adjusted Diluted Earnings per Share	$0.00	($0.02)	($0.28)	$0.52	$0.88	$1.20	$1.48	$1.63	$1.79	$1.08
Adjusted Weighted Average Diluted Shares Outstanding	5.27M	23.89M	36.18M	37.59M	38.36M	39.10M	38.63M	36.43M	32.85M	30.18M
Adjusted Basic & Diluted Earnings per Share	$0.00	($0.02)	($0.28)	$0.52	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	5.27M	7.59M	25.48M	38.03M	38.22M	38.32M	36.44M	33.73M	30.65M	30.14M
Normalized Net Operating Profit after Tax (NOPAT)	0.00	0.97	3.46	20	-227	48	64	-400	-403	-380
Normalized NOPAT Margin	0.00%	70.00%	1.35%	6.30%	0.00%	10.47%	11.66%	0.00%	0.00%	0.00%
Pre Tax Income Margin	0.00%	18.17%	-2.10%	8.98%	0.00%	13.93%	14.13%	0.00%	0.00%	0.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	-0.29	3.28	7.05	13.96	0.00	8.16	7.09	3.98
NOPAT to Interest Expense	0.00	0.00	-0.20	2.30	5.15	10.32	0.00	5.71	5.01	2.76
EBIT Less CapEx to Interest Expense	0.00	0.00	-0.58	2.52	6.43	11.62	0.00	6.93	4.54	2.20
NOPAT Less CapEx to Interest Expense	0.00	0.00	-0.49	1.54	4.53	7.99	0.00	4.48	2.45	0.98
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	0.00%	0.00%	0.00%	51.16%	0.00%	11.88%	93.73%	111.34%	127.73%	50.00%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	30,652,249.00	29,976,651.00	29,684,054.00	29,718,731.00	30,136,733.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	30,652,249.00	29,976,651.00	29,684,054.00	29,718,731.00	30,136,733.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.25	0.37	0.17	0.30	0.02
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	11,862.41%	-159.59%	6,838.59%	-16.75%	-101.86%	13.96%	0.07%	0.06%	-9.96%	9.57%	18.22%
EBITDA Growth	15.70%	25.42%	3.12%	-7.95%	12.16%	-8.36%	-25.24%	-10.23%	-56.80%	-36.03%	-58.03%
EBIT Growth	11.26%	25.98%	1.42%	-10.33%	14.80%	-11.75%	-32.63%	-17.37%	-69.32%	-46.24%	-87.11%
NOPAT Growth	-10.79%	33.92%	2.92%	-9.01%	16.62%	-12.08%	-35.83%	-21.56%	-71.31%	-41.94%	-93.42%
Net Income Growth	-10.79%	33.92%	2.92%	-9.01%	16.62%	-12.08%	-35.83%	-21.56%	-71.31%	-41.94%	-93.42%
EPS Growth	-4.65%	44.12%	12.90%	0.00%	29.27%	0.00%	-28.57%	-11.90%	-67.92%	-40.82%	-92.00%
Operating Cash Flow Growth	672.13%	144.13%	4,065.46%	-1,601.74%	-64.45%	-107.99%	-14.42%	303.89%	-197.86%	-219.93%	-190.51%
Free Cash Flow Firm Growth	-189.91%	69.29%	-108.81%	57.95%	189.34%	408.59%	160.47%	269.31%	-99.34%	-145.47%	-236.85%
Invested Capital Growth	50.79%	12.59%	28.67%	15.27%	-24.54%	-20.59%	-10.29%	-16.03%	0.95%	15.81%	18.32%
Revenue Q/Q Growth	6,604.60%	-203.24%	-77.48%	-102.10%	-3.39%	-4,686.25%	98.45%	-14.56%	5,012.38%	-203.98%	98.60%
EBITDA Q/Q Growth	-1.11%	13.11%	-28.45%	15.03%	20.49%	-7.59%	-41.63%	38.13%	-42.02%	36.84%	-61.70%
EBIT Q/Q Growth	-2.90%	15.96%	-32.12%	17.32%	24.31%	-10.85%	-48.18%	43.89%	-53.85%	56.25%	-87.58%
NOPAT Q/Q Growth	-3.83%	17.98%	-30.82%	15.92%	23.26%	-11.05%	-49.50%	41.68%	-54.91%	79.97%	-94.28%
Net Income Q/Q Growth	-3.83%	17.98%	-30.82%	15.92%	23.26%	-11.05%	-49.50%	41.68%	-54.91%	79.97%	-94.28%
EPS Q/Q Growth	-2.38%	19.51%	-28.57%	20.00%	26.19%	-7.55%	-48.98%	48.00%	-54.05%	70.59%	-93.10%
Operating Cash Flow Q/Q Growth	7,268.00%	-25.90%	-21.03%	-140.57%	249.73%	-116.66%	945.42%	-3.34%	-171.86%	45.52%	-139.18%
Free Cash Flow Firm Q/Q Growth	-23.62%	77.57%	-144.25%	37.92%	362.67%	-22.52%	-52.13%	73.80%	-98.97%	-5,405.63%	-44.07%
Invested Capital Q/Q Growth	16.63%	-9.39%	-5.00%	14.82%	-23.65%	-4.65%	7.32%	7.46%	-8.21%	9.39%	9.65%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	14.63%	0.00%	13.82%	0.00%	0.00%	0.00%	0.00%	0.00%	8.04%	0.00%	0.00%
EBIT Margin	12.44%	0.00%	11.43%	0.00%	0.00%	0.00%	0.00%	0.00%	4.97%	0.00%	0.00%
Profit (Net Income) Margin	8.60%	0.00%	8.20%	0.00%	0.00%	0.00%	0.00%	0.00%	3.27%	0.00%	0.00%
Tax Burden Percent	69.14%	70.35%	71.70%	70.84%	70.24%	70.08%	68.30%	67.25%	65.70%	75.68%	34.86%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.86%	29.65%	28.30%	29.16%	29.76%	29.92%	31.70%	32.75%	34.30%	24.32%	65.14%
Return on Invested Capital (ROIC)	8.66%	0.00%	15.54%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	8.66%	0.00%	15.54%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	17.53%	0.00%	28.96%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	26.19%	39.82%	44.49%	0.00%	0.00%	41.43%	39.27%	36.15%	26.84%	22.08%	16.83%
Cash Return on Invested Capital (CROIC)	-28.47%	0.80%	-10.86%	-2.67%	40.59%	36.10%	22.97%	27.71%	8.43%	-7.01%	-11.30%
Operating Return on Assets (OROA)	11.25%	0.00%	18.63%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets (ROA)	7.78%	0.00%	13.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Common Equity (ROCE)	26.19%	39.82%	44.49%	0.00%	0.00%	41.43%	39.27%	36.15%	26.84%	22.08%	16.83%
Return on Equity Simple (ROE_SIMPLE)	34.94%	0.00%	43.30%	41.06%	42.96%	0.00%	39.13%	36.17%	26.14%	0.00%	15.62%
Net Operating Profit after Tax (NOPAT)	15	17	12	14	17	15	7.77	11	4.96	8.93	0.51
NOPAT Margin	8.60%	0.00%	8.20%	0.00%	0.00%	0.00%	0.00%	0.00%	3.27%	0.00%	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%	0.00%
SG&A Expenses to Revenue	10.32%	0.00%	12.26%	0.00%	0.00%	0.00%	0.00%	0.00%	12.97%	0.00%	0.00%
Operating Expenses to Revenue	87.56%	0.00%	88.57%	0.00%	0.00%	0.00%	0.00%	0.00%	93.61%	0.00%	0.00%
Earnings before Interest and Taxes (EBIT)	21	25	17	20	25	22	11	16	7.55	12	1.47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	25	29	20	23	28	26	15	21	12	17	6.41
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.80	5.17	5.57	4.78	4.25	4.80	2.78	2.13	2.77	2.83	2.93
Price to Tangible Book Value (P/TBV)	7.10	10.01	11.48	9.41	8.50	12.25	6.67	5.03	6.11	5.59	5.65
Price to Revenue (P/Rev)	1.30	0.00	0.96	0.85	0.97	0.00	0.00	0.00	0.00	0.00	0.00
Price to Earnings (P/E)	10.89	12.94	12.87	11.63	9.89	11.01	7.10	5.88	10.60	13.97	18.74
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	9.19%	7.73%	7.77%	8.60%	10.11%	9.08%	14.08%	17.01%	9.43%	7.16%	5.34%
Enterprise Value to Invested Capital (EV/IC)	1.40	1.77	1.87	1.56	1.73	1.97	1.23	0.97	1.27	1.28	1.28
Enterprise Value to Revenue (EV/Rev)	1.67	0.00	1.11	1.06	1.16	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	8.26	8.89	8.90	8.69	7.15	7.92	5.59	4.84	7.03	8.97	11.45
Enterprise Value to EBIT (EV/EBIT)	9.63	10.35	10.40	10.22	8.35	9.35	6.70	5.91	9.14	12.43	17.37
Enterprise Value to NOPAT (EV/NOPAT)	13.98	14.80	14.82	14.51	11.81	13.23	9.56	8.60	13.62	17.92	25.43
Enterprise Value to Operating Cash Flow (EV/OCF)	7.17	6.14	4.65	4.93	6.05	14.66	11.29	4.19	11.19	15.87	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	235.13	0.00	0.00	3.67	4.82	5.05	3.19	15.15	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.49	2.35	2.43	2.82	1.93	1.94	2.05	2.21	1.80	1.85	2.09
Long-Term Debt to Equity	1.23	1.22	1.09	1.43	0.97	1.16	1.06	1.01	1.06	1.21	1.48
Financial Leverage	2.03	2.15	1.86	2.47	2.23	2.15	2.24	2.52	1.86	1.89	2.07
Leverage Ratio	3.37	3.64	3.33	3.93	3.67	3.66	3.75	3.97	3.29	3.31	3.50
Compound Leverage Factor	3.37	3.64	3.33	3.93	3.67	3.66	3.75	3.97	3.29	3.31	3.50
Debt to Total Capital	71.37%	70.12%	70.83%	73.82%	65.85%	65.94%	67.25%	68.86%	64.31%	64.89%	67.65%
Short-Term Debt to Total Capital	36.28%	33.82%	39.07%	36.52%	32.58%	26.40%	32.58%	37.31%	26.65%	22.42%	19.78%
Long-Term Debt to Total Capital	35.08%	36.30%	31.76%	37.30%	33.28%	39.54%	34.67%	31.55%	37.66%	42.47%	47.88%
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%	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%	0.00%
Common Equity to Total Capital	28.63%	29.88%	29.17%	26.18%	34.15%	34.06%	32.75%	31.14%	35.69%	35.11%	32.35%
Debt to EBITDA	4.21	3.53	3.37	4.11	2.72	2.66	3.07	3.44	3.56	4.56	6.03
Net Debt to EBITDA	1.83	1.12	1.17	1.73	1.16	1.33	1.44	1.53	1.56	1.98	3.01
Long-Term Debt to EBITDA	2.07	1.83	1.51	2.08	1.37	1.59	1.58	1.58	2.09	2.98	4.27
Debt to NOPAT	7.13	5.88	5.61	6.87	4.49	4.44	5.25	6.11	6.89	9.11	13.39
Net Debt to NOPAT	3.09	1.86	1.95	2.88	1.92	2.22	2.46	2.72	3.02	3.95	6.69
Long-Term Debt to NOPAT	3.51	3.04	2.51	3.47	2.27	2.66	2.71	2.80	4.04	5.96	9.48
Noncontrolling Interest Sharing Ratio	0.00%	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)	-171	-38	-93	-58	152	118	57	98	1.01	-54	-77
Operating Cash Flow to CapEx	2,608.61%	1,199.63%	357.83%	-293.40%	495.80%	-124.03%	782.60%	873.13%	-417.52%	-358.22%	-680.21%
Free Cash Flow to Firm to Interest Expense	0.00	-6.85	-34.59	-18.75	47.63	42.98	20.94	31.76	0.34	-17.54	-35.03
Operating Cash Flow to Interest Expense	0.00	10.94	17.85	-6.32	9.16	-1.78	15.29	12.90	-9.62	-5.10	-16.92
Operating Cash Flow Less CapEx to Interest Expense	0.00	10.03	12.86	-8.48	7.31	-3.21	13.34	11.42	-11.92	-6.53	-19.41
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.90	0.00	1.63	1.38	1.13	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.86	0.00	22.58	21.32	15.86	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	551	499	474	544	415	396	425	457	419	459	503
Invested Capital Turnover	1.01	0.00	1.90	1.57	1.29	0.00	0.00	0.00	0.00	0.00	0.00
Increase / (Decrease) in Invested Capital	185	56	106	72	-135	-103	-49	-87	3.95	63	78
Enterprise Value (EV)	770	881	887	849	720	778	521	442	533	585	646
Market Capitalization	600	770	770	680	603	648	387	302	415	456	476
Book Value per Share	$4.45	$4.27	$4.10	$4.36	$4.35	$4.34	$4.54	$4.75	$5.04	$5.42	$5.40
Tangible Book Value per Share	$2.38	$2.21	$1.99	$2.21	$2.18	$1.70	$1.89	$2.01	$2.29	$2.75	$2.80
Total Capital	551	499	474	544	415	396	425	457	419	459	503
Total Debt	393	350	336	402	274	261	286	315	270	298	340
Total Long-Term Debt	193	181	151	203	138	157	147	144	158	195	241
Net Debt	170	111	117	168	117	131	134	140	118	129	170
Capital Expenditures (CapEx)	3.16	5.09	13	6.67	5.91	3.94	5.28	4.57	6.87	4.36	5.49
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	393	350	336	402	274	261	286	315	270	298	340
Total Depreciation and Amortization (D&A)	3.77	3.66	3.53	3.67	3.67	4.19	3.89	4.71	4.67	4.92	4.94
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.42	$0.50	$0.36	$0.43	$0.53	$0.49	$0.25	$0.37	$0.17	$0.30	$0.02
Adjusted Weighted Average Basic Shares Outstanding	35.32M	35.60M	33.68M	32.70M	32.37M	32.43M	30.59M	29.84M	29.62M	29.94M	29.86M
Adjusted Diluted Earnings per Share	$0.41	$0.49	$0.35	$0.42	$0.53	$0.49	$0.25	$0.37	$0.17	$0.29	$0.02
Adjusted Weighted Average Diluted Shares Outstanding	36.08M	36.43M	34.19M	33.09M	32.73M	32.85M	30.83M	29.91M	29.82M	30.18M	30.38M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	34.87M	33.73M	32.64M	32.61M	31.10M	30.65M	29.98M	29.68M	29.72M	30.14M	30.09M
Normalized Net Operating Profit after Tax (NOPAT)	18	-227	12	-106	-103	15	-90	-96	8.48	11	-84
Normalized NOPAT Margin	10.18%	0.00%	8.20%	0.00%	0.00%	0.00%	0.00%	0.00%	5.58%	0.00%	0.00%
Pre Tax Income Margin	12.44%	0.00%	11.43%	0.00%	0.00%	0.00%	0.00%	0.00%	4.97%	0.00%	0.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	4.46	6.25	6.40	7.70	7.99	4.21	5.29	2.53	3.85	0.66
NOPAT to Interest Expense	0.00	3.13	4.48	4.53	5.41	5.60	2.88	3.56	1.66	2.92	0.23
EBIT Less CapEx to Interest Expense	0.00	3.54	1.26	4.25	5.85	6.56	2.26	3.81	0.23	2.43	-1.82
NOPAT Less CapEx to Interest Expense	0.00	2.22	-0.51	2.38	3.56	4.17	0.92	2.08	-0.64	1.49	-2.26
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%	0.00%
Augmented Payout Ratio	91.90%	111.34%	137.16%	120.35%	132.24%	127.73%	104.05%	110.47%	93.36%	50.00%	44.67%

Financials Breakdown Chart

Key Financial Trends

International Money Express (NASDAQ: IMXI) showed a sharp rebound in profitability in Q1 2026, but operating cash flow remained deeply negative and the balance sheet still carries meaningful leverage. The quarter was also affected by large non-recurring items in prior periods, including restructuring and special charges, which make year-over-year comparisons less straightforward. Still, the latest results suggest the company is stabilizing after a very volatile 2024-2025 period.

Q1 2026 net income was positive at $0.5 million, a major improvement from the prior quarter’s losses and a reversal from the heavy special-charge period seen in 2024 and 2025.
Pre-tax income improved to $1.5 million in Q1 2026, indicating the core business was closer to breakeven despite weak revenue.
Cash and cash equivalents rose to $170.3 million at March 31, 2026, up from $151.6 million at the end of Q3 2025, giving the company a sizable liquidity cushion.
Equity increased to $162.7 million from $149.7 million in Q3 2025, suggesting book value improved modestly over the period.
Debt was modestly lower than in late 2025, with short-term debt at $99.5 million and long-term debt at $240.8 million versus a higher short-term debt load in Q3 2025.
Q1 2026 EPS was $0.02, which is positive, but only barely so and far below the levels the business generated in stronger periods.
Revenue remains under pressure and is not being shown in a normal operating structure; the income statement includes a negative total revenue figure and no non-interest income in Q1 2026, highlighting how noisy the reported results remain.
Large special charges continue to distort earnings comparisons, with Q1 2026 benefiting from a different mix than the huge special charges seen in 2024 and 2025.
Operating cash flow was negative by $37.4 million in Q1 2026, compared with positive operating cash flow in several prior quarters, a clear sign that earnings are not yet translating into cash generation.
IMXI still relies heavily on debt financing, including $1.96 billion of debt issuance and $1.92 billion of repayments in Q1 2026, which points to a highly active and potentially costly financing structure.

Looking at the trend over the last four years, the big takeaway is volatility. IMXI was profitable in many quarters of 2023 and early 2024, but 2024 and 2025 included major special charges that depressed reported results. The company then returned to profitability in Q4 2025 and Q1 2026, but cash flow remains weaker than earnings, and that is the more important issue for investors to watch.

From a balance-sheet perspective, the company is not in immediate distress, thanks to its $170 million cash balance and positive equity, but the debt burden is still substantial relative to equity and cash flow. If management can sustain profitability without another round of large non-recurring charges, the stock could become more fundamentally attractive. For now, though, the key risk is whether IMXI can convert its earnings recovery into durable operating cash flow.

07/05/26 09:11 AM ETAI Generated. May Contain Errors.

International Money Express Financials - Frequently Asked Questions

According to the most recent income statement we have on file, International Money Express' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

International Money Express' net income appears to be on an upward trend, with a most recent value of $32.67 million in 2025, falling from -$1.62 thousand in 2016. The previous period was $58.82 million in 2024. View International Money Express' forecast to see where analysts expect International Money Express to go next.

Over the last 9 years, International Money Express' total revenue changed from $0.00 in 2016 to -$11.84 million in 2025, a change of -1,183,600,000.0%.

International Money Express' total liabilities were at $356.64 million at the end of 2025, a 8.9% increase from 2024, and a 16,307,033.1% increase since 2015.

In the past 10 years, International Money Express' cash and equivalents has ranged from $0.00 in 2015 to $239.20 million in 2023, and is currently $168.68 million as of their latest financial filing in 2025.

Over the last 9 years, International Money Express' book value per share changed from 0.00 in 2016 to 5.42 in 2025, a change of 135,382.5%.

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Financial statements for NASDAQ:IMXI last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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International Money Express (IMXI) Financials

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International Money Express Financials - Frequently Asked Questions

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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

Financials Breakdown Chart

Key Financial Trends

International Money Express Financials - Frequently Asked Questions

When does International Money Express' fiscal year end?

How has International Money Express' net income changed over the last 9 years?

How has International Money Express' revenue changed over the last 9 years?

How much debt does International Money Express have?

How much cash does International Money Express have?

How has International Money Express' book value per share changed over the last 9 years?

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