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International Money Express (IMXI) Financials

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$10.52 -0.01 (-0.09%)
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Annual Income Statements for International Money Express

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

Quarterly Income Statements for International Money Express

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
Consolidated Net Income / (Loss)		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
Net Income / (Loss) Continuing Operations		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
Total Pre-Tax Income 		25 17 20 25 22 11 16 7.55 12 1.47 6.43
Total Revenue		 -178 -2.70 -3.10 169 -153 -2.70 -3.09 152 -158 -2.21 129
Net Interest Income / (Expense)		 -5.58 -2.70 -3.10 -3.20 -2.75 -2.70 -3.09 -2.98 -3.06 -2.21 -2.32
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 5.58 2.70 3.10 3.20 2.75 2.70 3.09 2.98 3.06 2.21 2.32
Long-Term Debt Interest Expense		 - 2.70 3.10 3.20 2.75 2.70 3.09 2.98 3.06 2.21 2.32
Total Non-Interest Income		 -172 0.00 0.00 172 -150 0.00 0.00 155 -155 0.00 131
Other Non-Interest Income		 - - - 172 - - - 155 - - 131
Provision for Credit Losses		 - 1.60 1.78 1.67 - 2.07 1.86 2.15 1.84 2.89 2.59
Total Non-Interest Expense		 -203 -21 -25 142 -175 -16 -21 142 -172 -6.57 120
Salaries and Employee Benefits		 19 18 17 17 16 18 19 20 19 19 17
Other Operating Expenses		 122 108 124 122 118 105 115 113 104 91 97
Depreciation Expense		 3.36 3.23 3.37 3.38 3.66 3.63 4.45 4.41 4.67 4.69 4.79
Restructuring Charge		 - 0.01 2.74 0.08 - 1.48 2.22 5.35 2.15 1.17 0.70
Income Tax Expense		 7.38 4.78 5.78 7.33 6.57 3.61 5.36 2.59 2.87 0.96 2.23
Basic Earnings per Share		 $0.50 $0.36 $0.43 $0.53 $0.49 $0.25 $0.37 $0.17 $0.30 $0.02 $0.14
Weighted Average Basic Shares Outstanding		 35.60M 33.68M 32.70M 32.37M 32.43M 30.59M 29.84M 29.62M 29.94M 29.86M 30.11M
Diluted Earnings per Share		 $0.49 $0.35 $0.42 $0.53 $0.49 $0.25 $0.37 $0.17 $0.29 $0.02 $0.14
Weighted Average Diluted Shares Outstanding		 36.43M 34.19M 33.09M 32.73M 32.85M 30.83M 29.91M 29.82M 30.18M 30.38M 30.61M
Weighted Average Basic & Diluted Shares Outstanding		 33.73M 32.64M 32.61M 31.10M 30.65M 29.98M 29.68M 29.72M 30.14M 30.09M 30.21M

Annual Cash Flow Statements for International Money Express

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

Quarterly Cash Flow Statements for International Money Express

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 17 -20 14 -77 -26 21 23 -23 17 1.64 -20
Net Cash From Operating Activities		 61 48 -20 29 -4.88 41 40 -29 -16 -37 113
Net Cash From Continuing Operating Activities		 61 48 -20 29 -4.88 41 40 -29 -16 -37 113
Net Income / (Loss) Continuing Operations		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
Consolidated Net Income / (Loss)		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
Provision For Loan Losses		 1.23 1.60 1.78 1.67 1.38 2.07 1.86 2.15 1.84 2.89 2.59
Depreciation Expense		 3.36 3.23 3.37 3.38 3.66 3.63 4.45 4.41 4.67 4.69 4.79
Amortization Expense		 0.30 0.30 0.30 0.29 0.53 0.26 0.26 0.26 0.25 0.25 0.25
Non-Cash Adjustments to Reconcile Net Income		 1.78 3.85 3.90 4.85 2.62 3.84 -25 6.84 14 4.58 4.33
Changes in Operating Assets and Liabilities, net		 37 27 -43 1.82 -28 24 47 -47 -45 -50 97
Net Cash From Investing Activities		 -5.09 -13 -6.67 -7.71 -16 -5.31 -4.72 -7.47 -4.56 -5.49 -5.49
Net Cash From Continuing Investing Activities		 -5.09 -13 -6.67 -7.71 -16 -5.31 -4.72 -7.47 -4.56 -5.49 -5.49
Purchase of Property, Leasehold Improvements and Equipment		 -5.09 -13 -6.67 -5.91 -3.94 -5.28 -4.57 -6.87 -4.36 -5.49 -5.49
Net Cash From Financing Activities		 -40 -55 41 -97 -2.97 -15 -15 14 37 45 -127
Net Cash From Continuing Financing Activities		 -40 -55 41 -97 -2.97 -15 -15 14 37 45 -127
Issuance of Debt		 -10 0.00 55 910 2,083 1,916 2,119 2,052 1,998 1,962 1,905
Repayment of Debt		 -1.69 -30 -1.64 -988 -2,064 -1,925 -2,122 -2,038 -1,961 -1,916 -2,032
Other Financing Activities, Net		 -2.61 -1.50 -0.66 0.20 -1.18 -0.93 -0.01 -0.18 0.03 -0.94 -0.03
Effect of Exchange Rate Changes		 0.71 -0.10 -0.34 -1.02 -2.17 0.44 2.40 -0.62 0.34 -0.56 0.11
Cash Interest Paid		 2.44 2.41 2.78 2.76 2.49 2.45 2.84 2.72 2.81 1.94 2.09
Cash Income Taxes Paid		 2.52 4.12 14 5.78 0.29 1.29 11 4.71 1.18 0.97 3.74

Annual Balance Sheets for International Money Express

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

Quarterly Balance Sheets for International Money Express

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 431 540 620 549 612 481 491 518 479 566 450
Cash and Due from Banks		 85 147 222 219 233 157 152 175 152 170 151
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		 28 29 29 43 46 49 53 54 57 59 60
Goodwill		 49 53 54 54 54 55 55 55 55 54 54
Intangible Assets		 19 21 19 17 16 16 26 27 27 24 23
Other Assets		 250 290 295 216 263 204 205 207 189 259 162
Total Liabilities & Shareholders' Equity		 431 540 620 549 612 481 491 518 479 566 450
Total Liabilities		 275 389 462 410 470 339 351 376 329 403 280
Short-Term Debt		 119 134 200 185 199 135 138 170 112 99 107
Other Short-Term Payables		 38 42 44 53 48 46 48 45 42 42 39
Long-Term Debt		 94 187 193 151 203 138 147 144 158 241 114
Other Long-Term Liabilities		 25 26 25 21 21 20 17 16 18 21 20
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		 156 151 158 138 142 142 139 142 150 163 170
Total Preferred & Common Equity		 156 151 158 138 142 142 139 142 150 163 170
Preferred Stock		 - - - - - - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 156 151 158 138 142 142 139 142 150 163 170
Common Stock		 72 74 76 76 78 81 81 83 86 89 92
Retained Earnings		 151 166 181 211 225 242 265 276 281 291 295
Treasury Stock		 -67 -90 -100 -149 -160 -181 -206 -217 -217 -217 -217
Accumulated Other Comprehensive Income / (Loss)		 0.04 0.22 0.00 0.12 -0.26 -0.32 -1.10 0.14 -0.02 -0.37 -0.32

Annual Metrics And Ratios for International Money Express

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%

Quarterly Metrics And Ratios for International Money Express

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 30,652,249.00 29,976,651.00 29,684,054.00 29,718,731.00 30,136,733.00 30,094,492.00
DEI Adjusted Shares Outstanding		 - - - - - 30,652,249.00 29,976,651.00 29,684,054.00 29,718,731.00 30,136,733.00 30,094,492.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.25 0.37 0.17 0.30 0.02 0.14
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -159.59% 6,838.59% -16.75% -101.86% 13.96% 0.07% 0.06% -9.96% 9.57% 18.22% 4,265.60%
EBITDA Growth		 25.42% 3.12% -7.95% 12.16% -8.36% -25.24% -10.23% -56.80% -36.03% -58.03% -45.55%
EBIT Growth		 25.98% 1.42% -10.33% 14.80% -11.75% -32.63% -17.37% -69.32% -46.24% -87.11% -60.71%
NOPAT Growth		 33.92% 2.92% -9.01% 16.62% -12.08% -35.83% -21.56% -71.31% -41.94% -93.42% -61.80%
Net Income Growth		 33.92% 2.92% -9.01% 16.62% -12.08% -35.83% -21.56% -71.31% -41.94% -93.42% -61.80%
EPS Growth		 44.12% 12.90% 0.00% 29.27% 0.00% -28.57% -11.90% -67.92% -40.82% -92.00% -62.16%
Operating Cash Flow Growth		 144.13% 4,065.46% -1,601.74% -64.45% -107.99% -14.42% 303.89% -197.86% -219.93% -190.51% 182.49%
Free Cash Flow Firm Growth		 69.29% -108.81% 57.95% 189.34% 408.59% 160.47% 269.31% -99.34% -145.47% -236.85% -27.78%
Invested Capital Growth		 12.59% 28.67% 15.27% -24.54% -20.59% -10.29% -16.03% 0.95% 15.81% 18.32% -14.61%
Revenue Q/Q Growth		 -203.24% -77.48% -102.10% -3.39% -4,686.25% 98.45% -14.56% 5,012.38% -203.98% 98.60% 5,935.24%
EBITDA Q/Q Growth		 13.11% -28.45% 15.03% 20.49% -7.59% -41.63% 38.13% -42.02% 36.84% -61.70% 79.17%
EBIT Q/Q Growth		 15.96% -32.12% 17.32% 24.31% -10.85% -48.18% 43.89% -53.85% 56.25% -87.58% 338.68%
NOPAT Q/Q Growth		 17.98% -30.82% 15.92% 23.26% -11.05% -49.50% 41.68% -54.91% 79.97% -94.28% 722.90%
Net Income Q/Q Growth		 17.98% -30.82% 15.92% 23.26% -11.05% -49.50% 41.68% -54.91% 79.97% -94.28% 722.90%
EPS Q/Q Growth		 19.51% -28.57% 20.00% 26.19% -7.55% -48.98% 48.00% -54.05% 70.59% -93.10% 600.00%
Operating Cash Flow Q/Q Growth		 -25.90% -21.03% -140.57% 249.73% -116.66% 945.42% -3.34% -171.86% 45.52% -139.18% 401.68%
Free Cash Flow Firm Q/Q Growth		 77.57% -144.25% 37.92% 362.67% -22.52% -52.13% 73.80% -98.97% -5,405.63% -44.07% 191.72%
Invested Capital Q/Q Growth		 -9.39% -5.00% 14.82% -23.65% -4.65% 7.32% 7.46% -8.21% 9.39% 9.65% -22.44%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 0.00% 13.82% 0.00% 0.00% 0.00% 0.00% 0.00% 8.04% 0.00% 0.00% 8.91%
EBIT Margin		 0.00% 11.43% 0.00% 0.00% 0.00% 0.00% 0.00% 4.97% 0.00% 0.00% 4.99%
Profit (Net Income) Margin		 0.00% 8.20% 0.00% 0.00% 0.00% 0.00% 0.00% 3.27% 0.00% 0.00% 3.26%
Tax Burden Percent		 70.35% 71.70% 70.84% 70.24% 70.08% 68.30% 67.25% 65.70% 75.68% 34.86% 65.39%
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		 29.65% 28.30% 29.16% 29.76% 29.92% 31.70% 32.75% 34.30% 24.32% 65.14% 34.61%
Return on Invested Capital (ROIC)		 0.00% 15.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 15.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.93%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 28.96% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.60%
Return on Equity (ROE)		 39.82% 44.49% 0.00% 0.00% 41.43% 39.27% 36.15% 26.84% 22.08% 16.83% 2.52%
Cash Return on Invested Capital (CROIC)		 0.80% -10.86% -2.67% 40.59% 36.10% 22.97% 27.71% 8.43% -7.01% -11.30% 20.16%
Operating Return on Assets (OROA)		 0.00% 18.63% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.24%
Return on Assets (ROA)		 0.00% 13.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.81%
Return on Common Equity (ROCE)		 39.82% 44.49% 0.00% 0.00% 41.43% 39.27% 36.15% 26.84% 22.08% 16.83% 2.52%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 43.30% 41.06% 42.96% 0.00% 39.13% 36.17% 26.14% 0.00% 15.62% 10.98%
Net Operating Profit after Tax (NOPAT)		 17 12 14 17 15 7.77 11 4.96 8.93 0.51 4.21
NOPAT Margin		 0.00% 8.20% 0.00% 0.00% 0.00% 0.00% 0.00% 3.27% 0.00% 0.00% 3.26%
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		 0.00% 12.26% 0.00% 0.00% 0.00% 0.00% 0.00% 12.97% 0.00% 0.00% 13.49%
Operating Expenses to Revenue		 0.00% 88.57% 0.00% 0.00% 0.00% 0.00% 0.00% 93.61% 0.00% 0.00% 93.00%
Earnings before Interest and Taxes (EBIT)		 25 17 20 25 22 11 16 7.55 12 1.47 6.43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 20 23 28 26 15 21 12 17 6.41 11
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 5.17 5.57 4.78 4.25 4.80 2.78 2.13 2.77 2.83 2.93 2.56
Price to Tangible Book Value (P/TBV)		 10.01 11.48 9.41 8.50 12.25 6.67 5.03 6.11 5.59 5.65 4.72
Price to Revenue (P/Rev)		 0.00 0.96 0.85 0.97 0.00 0.00 0.00 0.00 0.00 0.00 3.61
Price to Earnings (P/E)		 12.94 12.87 11.63 9.89 11.01 7.10 5.88 10.60 13.97 18.74 23.37
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		 7.73% 7.77% 8.60% 10.11% 9.08% 14.08% 17.01% 9.43% 7.16% 5.34% 4.28%
Enterprise Value to Invested Capital (EV/IC)		 1.77 1.87 1.56 1.73 1.97 1.23 0.97 1.27 1.28 1.28 1.29
Enterprise Value to Revenue (EV/Rev)		 0.00 1.11 1.06 1.16 0.00 0.00 0.00 0.00 0.00 0.00 4.19
Enterprise Value to EBITDA (EV/EBITDA)		 8.89 8.90 8.69 7.15 7.92 5.59 4.84 7.03 8.97 11.45 10.78
Enterprise Value to EBIT (EV/EBIT)		 10.35 10.40 10.22 8.35 9.35 6.70 5.91 9.14 12.43 17.37 18.52
Enterprise Value to NOPAT (EV/NOPAT)		 14.80 14.82 14.51 11.81 13.23 9.56 8.60 13.62 17.92 25.43 27.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.14 4.65 4.93 6.05 14.66 11.29 4.19 11.19 15.87 0.00 16.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 235.13 0.00 0.00 3.67 4.82 5.05 3.19 15.15 0.00 0.00 5.91
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.35 2.43 2.82 1.93 1.94 2.05 2.21 1.80 1.85 2.09 1.30
Long-Term Debt to Equity		 1.22 1.09 1.43 0.97 1.16 1.06 1.01 1.06 1.21 1.48 0.67
Financial Leverage		 2.15 1.86 2.47 2.23 2.15 2.24 2.52 1.86 1.89 2.07 1.72
Leverage Ratio		 3.64 3.33 3.93 3.67 3.66 3.75 3.97 3.29 3.31 3.50 3.10
Compound Leverage Factor		 3.64 3.33 3.93 3.67 3.66 3.75 3.97 3.29 3.31 3.50 3.10
Debt to Total Capital		 70.12% 70.83% 73.82% 65.85% 65.94% 67.25% 68.86% 64.31% 64.89% 67.65% 56.54%
Short-Term Debt to Total Capital		 33.82% 39.07% 36.52% 32.58% 26.40% 32.58% 37.31% 26.65% 22.42% 19.78% 27.36%
Long-Term Debt to Total Capital		 36.30% 31.76% 37.30% 33.28% 39.54% 34.67% 31.55% 37.66% 42.47% 47.88% 29.18%
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		 29.88% 29.17% 26.18% 34.15% 34.06% 32.75% 31.14% 35.69% 35.11% 32.35% 43.46%
Debt to EBITDA		 3.53 3.37 4.11 2.72 2.66 3.07 3.44 3.56 4.56 6.03 4.71
Net Debt to EBITDA		 1.12 1.17 1.73 1.16 1.33 1.44 1.53 1.56 1.98 3.01 1.49
Long-Term Debt to EBITDA		 1.83 1.51 2.08 1.37 1.59 1.58 1.58 2.09 2.98 4.27 2.43
Debt to NOPAT		 5.88 5.61 6.87 4.49 4.44 5.25 6.11 6.89 9.11 13.39 11.85
Net Debt to NOPAT		 1.86 1.95 2.88 1.92 2.22 2.46 2.72 3.02 3.95 6.69 3.76
Long-Term Debt to NOPAT		 3.04 2.51 3.47 2.27 2.66 2.71 2.80 4.04 5.96 9.48 6.12
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)		 -38 -93 -58 152 118 57 98 1.01 -54 -77 71
Operating Cash Flow to CapEx		 1,199.63% 357.83% -293.40% 495.80% -124.03% 782.60% 873.13% -417.52% -358.22% -680.21% 2,052.03%
Free Cash Flow to Firm to Interest Expense		 -6.85 -34.59 -18.75 47.63 42.98 20.94 31.76 0.34 -17.54 -35.03 30.58
Operating Cash Flow to Interest Expense		 10.94 17.85 -6.32 9.16 -1.78 15.29 12.90 -9.62 -5.10 -16.92 48.59
Operating Cash Flow Less CapEx to Interest Expense		 10.03 12.86 -8.48 7.31 -3.21 13.34 11.42 -11.92 -6.53 -19.41 46.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 1.63 1.38 1.13 0.00 0.00 0.00 0.00 0.00 0.00 0.25
Fixed Asset Turnover		 0.00 22.58 21.32 15.86 0.00 0.00 0.00 0.00 0.00 0.00 2.11
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 499 474 544 415 396 425 457 419 459 503 390
Invested Capital Turnover		 0.00 1.90 1.57 1.29 0.00 0.00 0.00 0.00 0.00 0.00 0.28
Increase / (Decrease) in Invested Capital		 56 106 72 -135 -103 -49 -87 3.95 63 78 -67
Enterprise Value (EV)		 881 887 849 720 778 521 442 533 585 646 505
Market Capitalization		 770 770 680 603 648 387 302 415 456 476 435
Book Value per Share		 $4.27 $4.10 $4.36 $4.35 $4.34 $4.54 $4.75 $5.04 $5.42 $5.40 $5.63
Tangible Book Value per Share		 $2.21 $1.99 $2.21 $2.18 $1.70 $1.89 $2.01 $2.29 $2.75 $2.80 $3.06
Total Capital		 499 474 544 415 396 425 457 419 459 503 390
Total Debt		 350 336 402 274 261 286 315 270 298 340 221
Total Long-Term Debt		 181 151 203 138 157 147 144 158 195 241 114
Net Debt		 111 117 168 117 131 134 140 118 129 170 70
Capital Expenditures (CapEx)		 5.09 13 6.67 5.91 3.94 5.28 4.57 6.87 4.36 5.49 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)		 350 336 402 274 261 286 315 270 298 340 221
Total Depreciation and Amortization (D&A)		 3.66 3.53 3.67 3.67 4.19 3.89 4.71 4.67 4.92 4.94 5.05
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.50 $0.36 $0.43 $0.53 $0.49 $0.25 $0.37 $0.17 $0.30 $0.02 $0.14
Adjusted Weighted Average Basic Shares Outstanding		 35.60M 33.68M 32.70M 32.37M 32.43M 30.59M 29.84M 29.62M 29.94M 29.86M 30.11M
Adjusted Diluted Earnings per Share		 $0.49 $0.35 $0.42 $0.53 $0.49 $0.25 $0.37 $0.17 $0.29 $0.02 $0.14
Adjusted Weighted Average Diluted Shares Outstanding		 36.43M 34.19M 33.09M 32.73M 32.85M 30.83M 29.91M 29.82M 30.18M 30.38M 30.61M
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		 33.73M 32.64M 32.61M 31.10M 30.65M 29.98M 29.68M 29.72M 30.14M 30.09M 30.21M
Normalized Net Operating Profit after Tax (NOPAT)		 -227 12 -106 -103 15 -90 -96 8.48 11 -84 4.66
Normalized NOPAT Margin		 0.00% 8.20% 0.00% 0.00% 0.00% 0.00% 0.00% 5.58% 0.00% 0.00% 3.62%
Pre Tax Income Margin		 0.00% 11.43% 0.00% 0.00% 0.00% 0.00% 0.00% 4.97% 0.00% 0.00% 4.99%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.46 6.25 6.40 7.70 7.99 4.21 5.29 2.53 3.85 0.66 2.77
NOPAT to Interest Expense		 3.13 4.48 4.53 5.41 5.60 2.88 3.56 1.66 2.92 0.23 1.81
EBIT Less CapEx to Interest Expense		 3.54 1.26 4.25 5.85 6.56 2.26 3.81 0.23 2.43 -1.82 0.40
NOPAT Less CapEx to Interest Expense		 2.22 -0.51 2.38 3.56 4.17 0.92 2.08 -0.64 1.49 -2.26 -0.56
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		 111.34% 137.16% 120.35% 132.24% 127.73% 104.05% 110.47% 93.36% 50.00% 44.67% 0.00%

Financials Breakdown Chart

Key Financial Trends

International Money Express (IMXI) showed a meaningful rebound in the second quarter of 2026, although the broader trend remains mixed. Revenue was $128.8 million, compared with reported negative revenue in the first quarter because non-interest income was recorded at zero. Net income increased to $4.2 million, or $0.14 per diluted share, from $511,000, or $0.02 per share, in Q1 2026. However, Q2 earnings remained below the $11.0 million reported in the restated Q2 2025 period and the $17.3 million reported in Q3 2024.

Cash generation improved sharply in Q2 2026. Operating cash flow was $112.7 million, versus negative operating cash flow of $37.4 million in Q1. Nearly $96.5 million of the Q2 operating cash flow came from changes in operating assets and liabilities, making the improvement potentially volatile rather than entirely representative of recurring profitability. After $5.5 million of capital spending, estimated free cash flow was approximately $107.2 million.

The balance sheet also improved sequentially. Total debt declined to approximately $220.5 million at June 30, 2026, from $340.3 million at March 31, while total liabilities fell to $280.1 million from $403.3 million. Cash declined by $19.7 million to $150.6 million, however, and total assets fell by approximately $116.3 million, partly reflecting a large reduction in other assets. The company continues to carry substantial goodwill and intangible assets, totaling about $78.3 million.

  • Q2 profitability rebounded: Net income rose more than eightfold sequentially to $4.2 million, while diluted EPS increased from $0.02 to $0.14.
  • Operating cash flow turned strongly positive: IMXI generated $112.7 million of operating cash flow in Q2 2026, its strongest result among the recent quarters provided.
  • Debt balances declined materially: Reported short- and long-term debt fell to $220.5 million from $340.3 million in Q1 2026 and $314.6 million in Q3 2025, reducing balance-sheet leverage.
  • Capital spending remained manageable: Q2 capital expenditures were $5.5 million, allowing estimated free cash flow to remain above $100 million during the quarter.
  • Interest expense is below recent levels: Long-term debt interest expense was $2.3 million in Q2 2026, down from $3.1 million in Q2 2025 and $5.6 million in Q4 2023.
  • Cash remains substantial but volatile: Cash and due from banks stood at $150.6 million, down from $170.3 million in Q1 2026 and $174.7 million in Q2 2025, but broadly in line with the $151.6 million reported in Q3 2025.
  • Equity has strengthened: Total equity increased to $169.6 million from $162.7 million in Q1 2026 and $142.3 million in Q2 2025, supported by retained earnings and a less negative accumulated comprehensive loss.
  • Earnings remain well below prior-year levels: Q2 2026 net income of $4.2 million was approximately 62% below the restated Q2 2025 result of $11.0 million.
  • Operating cash flow depends heavily on working-capital movements: Q2’s $112.7 million operating inflow included a $96.5 million benefit from operating assets and liabilities, while the same category reduced cash flow by $50.3 million in Q1 and $47.3 million in Q3 2025.
  • Profit margins remain thin and expenses are elevated: Q2 net income represented only about 3.3% of revenue, while other operating expenses totaled $97.0 million and restructuring charges continued at $700,000.
10/15/26 01:59 PM 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' fiscal year ends in December. Their fiscal 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, compared with -$1.62 thousand in 2016. The previous period was $58.82 million in 2024. See where experts think International Money Express is headed by visiting International Money Express' forecast page.

Over the last 9 years, International Money Express' total revenue changed from $0.00 in 2016 to -$11.84 million in 2025.

In the past 13 quarters, International Money Express' cash and equivalents has ranged from $85.45 million in Q1 2023 to $233.21 million in Q2 2024, and is currently $150.64 million as of their latest financial filing in Q2 2026.

International Money Express had total debt of $297.68 million at the end of 2025, a 14.0% increase from 2024, and a 128,296.4% increase since 2016.

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 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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