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International Money Express (IMXI) Financials

International Money Express logo
$15.89 -0.03 (-0.19%)
Closing price 04:00 PM Eastern
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$15.89 0.00 (0.00%)
As of 05:41 PM Eastern
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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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 57 60 59
Consolidated Net Income / (Loss)		 57 60 59
Net Income / (Loss) Continuing Operations		 57 60 59
Total Pre-Tax Income 		77 85 83
Total Revenue		 547 -10 -12
Net Interest Income / (Expense)		 0.00 -10 -12
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 0.00 10 12
Long-Term Debt Interest Expense		 - 10 12
Total Non-Interest Income		 547 0.00 0.00
Total Non-Interest Expense		 470 -95 -95
Salaries and Employee Benefits		 52 70 68
Other Operating Expenses		 399 479 477
Depreciation Expense		 9.47 13 14
Restructuring Charge		 3.01 1.66 4.88
Other Special Charges		 5.63 -659 -659
Income Tax Expense		 20 26 24
Basic Earnings per Share		 $1.52 $1.67 $1.81
Weighted Average Basic Shares Outstanding		 37.73M 35.60M 32.43M
Diluted Earnings per Share		 $1.48 $1.63 $1.79
Weighted Average Diluted Shares Outstanding		 38.63M 36.43M 32.85M
Weighted Average Basic & Diluted Shares Outstanding		 36.44M 33.73M 30.65M

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

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

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

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

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 399 431 540 620 549 612 481
Cash and Due from Banks		 105 85 147 222 219 233 157
Loans and Leases, Net of Allowance		 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
Goodwill		 36 49 53 54 54 54 55
Intangible Assets		 13 19 21 19 17 16 16
Other Assets		 222 250 290 295 216 263 204
Total Liabilities & Shareholders' Equity		 399 431 540 620 549 612 481
Total Liabilities		 254 275 389 462 410 470 339
Short-Term Debt		 101 119 134 200 185 199 135
Other Short-Term Payables		 32 38 42 44 53 48 46
Long-Term Debt		 119 94 187 193 151 203 138
Other Long-Term Liabilities		 1.58 25 26 25 21 21 20
Commitments & Contingencies		 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
Total Preferred & Common Equity		 145 156 151 158 138 142 142
Total Common Equity		 145 156 151 158 138 142 142
Common Stock		 68 72 74 76 76 78 81
Retained Earnings		 126 151 166 181 211 225 242
Treasury Stock		 -49 -67 -90 -100 -149 -160 -181
Accumulated Other Comprehensive Income / (Loss)		 -0.22 0.04 0.22 0.00 0.12 -0.26 -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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 20.26% -101.91% -12.65%
EBITDA Growth		 19.09% 12.89% -0.73%
EBIT Growth		 22.05% 10.07% -2.11%
NOPAT Growth		 22.39% 3.81% -1.17%
Net Income Growth		 22.39% 3.81% -1.17%
EPS Growth		 23.33% 10.14% 9.82%
Operating Cash Flow Growth		 -80.57% 845.86% -63.01%
Free Cash Flow Firm Growth		 -263.58% 104.66% 4,212.12%
Invested Capital Growth		 45.10% 12.59% -20.59%
Revenue Q/Q Growth		 46.10% -102.26% -101.89%
EBITDA Q/Q Growth		 2.39% 6.20% -2.37%
EBIT Q/Q Growth		 2.31% 6.42% -3.39%
NOPAT Q/Q Growth		 -0.11% 8.05% -3.47%
Net Income Q/Q Growth		 -0.11% 8.05% -3.47%
EPS Q/Q Growth		 0.00% 10.14% 0.00%
Operating Cash Flow Q/Q Growth		 101.11% 33.56% -55.41%
Free Cash Flow Firm Q/Q Growth		 -344.68% 102.87% -17.61%
Invested Capital Q/Q Growth		 21.35% -9.39% -4.65%
Profitability Metrics		 - - -
EBITDA Margin		 16.05% 0.00% 0.00%
EBIT Margin		 14.13% 0.00% 0.00%
Profit (Net Income) Margin		 10.48% 0.00% 0.00%
Tax Burden Percent		 74.19% 69.97% 70.64%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 25.81% 30.04% 29.36%
Return on Invested Capital (ROIC)		 15.32% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.32% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 23.82% 0.00% 0.00%
Return on Equity (ROE)		 39.14% 39.82% 41.43%
Cash Return on Invested Capital (CROIC)		 -21.48% 0.80% 36.10%
Operating Return on Assets (OROA)		 18.13% 0.00% 0.00%
Return on Assets (ROA)		 13.45% 0.00% 0.00%
Return on Common Equity (ROCE)		 39.14% 39.82% 41.43%
Return on Equity Simple (ROE_SIMPLE)		 38.24% 39.93% 43.60%
Net Operating Profit after Tax (NOPAT)		 57 60 59
NOPAT Margin		 10.48% 0.00% 0.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 9.55% 0.00% 0.00%
Operating Expenses to Revenue		 85.87% 0.00% 0.00%
Earnings before Interest and Taxes (EBIT)		 77 85 83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 88 99 98
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 6.03 5.17 4.80
Price to Tangible Book Value (P/TBV)		 11.25 10.01 12.25
Price to Revenue (P/Rev)		 1.65 0.00 0.00
Price to Earnings (P/E)		 15.75 12.94 11.01
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 6.35% 7.73% 9.08%
Enterprise Value to Invested Capital (EV/IC)		 2.36 1.77 1.97
Enterprise Value to Revenue (EV/Rev)		 1.91 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 11.93 8.89 7.92
Enterprise Value to EBIT (EV/EBIT)		 13.55 10.35 9.35
Enterprise Value to NOPAT (EV/NOPAT)		 18.26 14.80 13.23
Enterprise Value to Operating Cash Flow (EV/OCF)		 68.99 6.14 14.66
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 235.13 4.82
Leverage & Solvency		 - - -
Debt to Equity		 1.96 2.35 1.94
Long-Term Debt to Equity		 1.00 1.22 1.16
Financial Leverage		 1.55 2.15 2.15
Leverage Ratio		 2.91 3.64 3.66
Compound Leverage Factor		 2.91 3.64 3.66
Debt to Total Capital		 66.17% 70.12% 65.94%
Short-Term Debt to Total Capital		 32.26% 33.82% 26.40%
Long-Term Debt to Total Capital		 33.91% 36.30% 39.54%
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		 33.83% 29.88% 34.06%
Debt to EBITDA		 3.34 3.53 2.66
Net Debt to EBITDA		 1.64 1.12 1.33
Long-Term Debt to EBITDA		 1.71 1.83 1.59
Debt to NOPAT		 5.11 5.88 4.44
Net Debt to NOPAT		 2.51 1.86 2.22
Long-Term Debt to NOPAT		 2.62 3.04 2.66
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -80 3.75 162
Operating Cash Flow to CapEx		 124.65% 1,121.03% 176.97%
Free Cash Flow to Firm to Interest Expense		 0.00 0.36 13.75
Operating Cash Flow to Interest Expense		 0.00 13.77 4.52
Operating Cash Flow Less CapEx to Interest Expense		 0.00 12.54 1.97
Efficiency Ratios		 - - -
Asset Turnover		 1.28 0.00 0.00
Fixed Asset Turnover		 23.74 0.00 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 443 499 396
Invested Capital Turnover		 1.46 0.00 0.00
Increase / (Decrease) in Invested Capital		 138 56 -103
Enterprise Value (EV)		 1,047 881 778
Market Capitalization		 903 770 648
Book Value per Share		 $4.04 $4.27 $4.34
Tangible Book Value per Share		 $2.17 $2.21 $1.70
Total Capital		 443 499 396
Total Debt		 293 350 261
Total Long-Term Debt		 150 181 157
Net Debt		 144 111 131
Capital Expenditures (CapEx)		 12 13 30
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 293 350 261
Total Depreciation and Amortization (D&A)		 10 14 15
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.52 $1.67 $1.81
Adjusted Weighted Average Basic Shares Outstanding		 37.73M 35.60M 32.43M
Adjusted Diluted Earnings per Share		 $1.48 $1.63 $1.79
Adjusted Weighted Average Diluted Shares Outstanding		 38.63M 36.43M 32.85M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 36.44M 33.73M 30.65M
Normalized Net Operating Profit after Tax (NOPAT)		 64 -400 -403
Normalized NOPAT Margin		 11.66% 0.00% 0.00%
Pre Tax Income Margin		 14.13% 0.00% 0.00%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.00 8.16 7.09
NOPAT to Interest Expense		 0.00 5.71 5.01
EBIT Less CapEx to Interest Expense		 0.00 6.93 4.54
NOPAT Less CapEx to Interest Expense		 0.00 4.48 2.45
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 93.73% 111.34% 127.73%

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

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor-focused summary of International Money Express (IMXI) based on the last four years of quarterly cash flow, income statement, and balance sheet data provided. The bullets highlight notable trends and what they could imply for shareholders and liquidity going forward.

  • Net income remained positive across the period, with quarterly figures in the teens of millions (e.g., Q4 2024: $15.4M; Q3 2024: $17.3M; Q2 2024: $14.0M; Q1 2024: $12.1M). This points to ongoing profitability on a quarterly basis.
  • Operating cash flow has shown periods of solid liquidity generation, including strong positive cash flow in Q4 2023 (+$61.1M) and Q1 2024 (+$48.2M), as well as positive results in Q3 2024 (+$29.3M).
  • Financing activity demonstrates access to liquidity via debt, with substantial debt issuances in recent quarters (Q4 2024: $2.08275B; Q3 2024: $910.45M; Q2 2024: $54.5M). This suggests management can raise capital when needed to support funding or growth initiatives.
  • Ongoing share repurchases indicate a capital return program, with multiple quarters showing equity repurchases (Q4 2024: -$20.2M; Q3 2024: -$20.3M; Q2 2024: -$11.2M; Q1 2024: -$23.4M). This can support per-share metrics over time if cash flow remains favorable.
  • Earnings per share (EPS) moved around quarter to quarter but remained positive, with diluted EPS of $0.49 in Q4 2024, $0.53 in Q3 2024, and $0.42–$0.43 range in earlier quarters, reflecting solid earnings power at the per-share level.
  • Balance sheet equity base has stayed robust, with Total Equity generally in the low-to-mid $140M range (e.g., Q3 2024: $141.8M; Q2 2024: $142.4M; Q1 2024: $138.2M; Q3 2023: $145.0M), indicating a stable capital base despite some quarterly fluctuations.
  • Debt and financing activity show volatility in leverage levels across quarters, including large debt issuance in late 2024 and varying debt repayments across 2023–2024. This indicates a flexible balance sheet, but also potential sensitivity to interest rates and refinancing risk.
  • Cash flow from continuing operating activities was negative in some quarters (e.g., Q2 2024: -$19.6M; Q4 2024: -$4.9M), signaling working capital or operational pressure during those periods.
  • Investing cash flow remained consistently negative across quarters (e.g., Q4 2024: -$16.1M; Q3 2024: -$7.7M; Q2 2024: -$6.7M; Q1 2024: -$13.5M), indicating ongoing capital expenditures or investments that reduce near-term cash unless offset by financing or operating cash flow.
  • Net change in cash and cash equivalents was negative in several quarters (e.g., Q3 2024: -$76.6M; Q4 2024: -$26.1M), pointing to overall cash burn in those periods despite profits and financing activity. This could impact liquidity if not offset by cash inflows in other periods.

Bottom line for investors: IMXI shows ongoing profitability and occasional strong operating cash flow, supported by access to debt markets and a continued share buyback program. However, there is notable quarterly volatility in cash flow, particularly from operations and investing activities, and a need to closely monitor trends in working capital and financing costs. As always, consider these dynamics alongside your own risk tolerance and investment horizon.

05/05/26 06:58 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About International Money Express' Financials

When does International Money Express' 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?

In the past 2 years, International Money Express' net income has ranged from $57.33 million in 2022 to $59.52 million in 2023, and is currently $58.82 million as of their latest financial filing in 2024. Check out International Money Express' forecast to explore projected trends and price targets.

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%.


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Financial statements for NASDAQ:IMXI last updated on 4/6/2025 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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