International Money Express, Inc.

IMXI

IMXIInternational Money Express, Inc. US flag

NASDAQ Capital Market

15.20

USD

+0.06

- -

457.44MMarket Cap

Income Statement (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	124	165	201	274	320	357	459	547	659	659	608
+ Sales & Services Revenue	124	165	201	274	320	357	459	547	659	659	608
- Cost of Revenue	82	108	135	182	213	239	307	365	431	429	389
+ Cost of Goods & Services	82	108	135	182	213	239	307	365	431	429	389
Gross Profit	42	57	66	91	107	119	152	182	228	230	219
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	28	34	64	78	70	66	83	96	131	130	151
+ Selling, General & Admin	26	32	47	63	58	55	73	87	113	110	126
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	2	3	17	16	13	11	9	9	18	20	25
Operating Income (Loss)	14	23	2	13	36	53	69	86	97	100	68
- Non-Operating (Income) Loss	4	10	11	18	9	7	6	9	12	17	21
+ Interest Expense, Net	4	10	11	18	9	7	5	6	10	12	12
+ Interest Expense	4	10	11	18	9	7	5	6	10	12	12
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	- -	1	3	2	5	9
Pretax Income	10	13	-10	-5	28	46	63	77	85	83	47
- Income Tax Expense (Benefit)	4	4	1	2	8	13	16	20	26	24	14
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	9	-10	-7	20	34	47	57	60	59	33
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	9	-10	-7	20	34	47	57	60	59	33
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	9	-10	-7	20	34	47	57	60	59	33
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	9	-10	-7	20	34	47	57	60	59	33
EBIT	14	23	2	13	36	53	69	86	97	100	68
EBITDA	17	26	18	29	49	64	78	95	110	114	85
EBITDA Margin (%)	13.4	15.45	9.18	10.49	15.37	17.83	17.06	17.44	16.7	17.24	14.02
EBITA	14	23	2	13	36	53	69	86	97	100	68
Gross Margin (%)	34.18	34.66	32.62	33.38	33.46	33.21	33.05	33.28	34.59	34.87	36.02
Operating Margin (%)	11.42	13.92	0.9	4.77	11.4	14.8	15	15.71	14.75	15.17	11.2
Profit Margin (%)	4.64	5.68	-5.06	-2.64	6.14	9.46	10.2	10.48	9.03	8.93	5.38
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.5	0.04	0.56	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	2	3	17	16	13	11	9	9	13	14	17
Basic Weighted Avg Shares	36	36	36	26	38	38	38	38	36	32	30
Basic EPS, GAAP	0.16	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81	1.09
Basic EPS from Cont Ops	0.16	0.26	-0.28	-0.28	0.52	0.89	1.22	1.52	1.67	1.81	1.09
Diluted Weighted Avg Shares	36	36	36	26	38	38	39	39	36	33	30
Diluted EPS, GAAP	0.16	0.26	-0.28	-0.28	0.52	0.88	1.2	1.48	1.63	1.79	1.08
Diluted EPS from Cont Ops	0.16	0.26	-0.28	-0.28	0.52	0.88	1.2	1.48	1.63	1.79	1.08

Balance Sheet (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	77	119	139	148	187	264	382	433	298	353
+ Cash, Cash Equivalents & STI	- -	38	59	73	86	75	132	149	239	131	169
+ Cash & Cash Equivalents	- -	38	59	73	86	75	132	149	239	131	169
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	- -	28	51	36	40	55	68	131	157	109	107
+ Accounts Receivable, Net	- -	28	51	36	40	55	67	130	155	107	105
+ Notes Receivable, Net	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	1	1	2	2	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	12	9	29	22	56	63	102	37	58	77
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	42	97	87	79	73	77	130	144	165	165
+ Property, Plant & Equip, Net	- -	6	8	10	13	13	18	53	60	69	73
+ Property, Plant & Equip	- -	16	10	16	21	24	33	87	106	127	137
- Accumulated Depreciation	- -	9	2	5	8	11	15	34	46	58	64
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	35	89	77	66	60	59	77	84	96	92
+ Total Intangible Assets	- -	6	85	73	64	57	52	70	72	82	79
+ Goodwill	- -	- -	36	36	36	36	36	50	54	55	54
+ Other Intangible Assets	- -	6	49	36	27	20	15	20	18	27	25
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	29	4	4	2	3	7	7	12	14	12
Total Assets	- -	119	217	226	227	259	341	512	577	462	518
+ Payables & Accruals	- -	37	68	64	74	74	110	169	204	140	135
+ Accounts Payable	- -	6	9	11	13	13	23	26	37	20	15
+ Accrued Taxes	- -	- -	- -	1	2	1	5	1	9	3	2
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	31	58	52	58	60	82	142	159	118	117
+ ST Debt	- -	1	4	4	7	7	4	10	12	6	6
+ ST Borrowings	- -	1	4	4	7	7	4	5	7	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	5	5	6	6
+ Other ST Liabilities	- -	1	1	- -	2	3	3	6	7	5	- -
+ Deferred Revenue	- -	- -	- -	- -	2	3	3	4	5	3	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	1	1	- -	- -	- -	- -	1	2	2	- -
Total Current Liabilities	- -	38	73	68	84	84	117	185	223	152	141
+ LT Debt	- -	77	108	113	88	81	79	174	204	175	210
+ LT Borrowings	- -	77	108	113	88	81	79	150	181	157	195
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	23	23	19	15
+ Other LT Liabilities	- -	- -	- -	- -	- -	1	1	4	1	- -	5
+ Accrued Liabilities	- -	- -	- -	- -	- -	1	1	4	1	- -	5
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	77	108	113	88	81	81	177	204	175	216
Total Liabilities	- -	116	181	181	171	165	197	362	428	327	357
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	71	46	62	55	59	67	70	76	80	88
+ Common Stock	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	70	46	62	55	59	67	70	76	80	88
- Treasury Stock	- -	- -	- -	- -	- -	- -	6	59	126	201	217
+ Retained Earnings	- -	-68	-10	-17	1	35	82	139	199	257	290
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -
Equity Before Minority Interest	- -	3	36	44	56	94	143	150	149	135	161
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	- -	3	36	44	56	94	143	150	149	135	161
Total Liabilities & Equity	- -	119	217	226	227	259	341	512	577	462	518
Shares Outstanding	- -	36	36	36	38	38	38	37	34	31	30
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	29	28	25	22
Net Debt	- -	40	53	44	9	13	-49	6	-51	26	26
Net Debt to Equity	- -	1,240.79	147.09	99.46	15.28	13.49	-34.52	3.81	-34.2	19.36	16.23
Tangible Common Equity Ratio	- -	-2.75	-37.32	-18.4	-4.69	18.53	31.63	18.15	15.24	13.9	18.63
Current Ratio	- -	2.01	1.64	2.04	1.77	2.22	2.26	2.07	1.94	1.96	2.51
Cash Conversion Cycle	- -	20.71	51.9	37.72	21.83	28.4	27.3	41.36	52.63	48.85	47.44

Cash Flow Statement (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	6	9	-10	-7	20	34	47	57	60	59	33
+ Depreciation & Amortization	2	3	17	16	13	11	9	9	13	14	17
+ Non-Cash Items	6	8	4	14	7	8	9	14	20	23	36
+ Stock-Based Compensation	- -	- -	2	6	3	3	5	7	8	7	9
+ Deferred Income Taxes	4	4	- -	- -	2	1	1	-1	-3	- -	5
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
+ Other Non-Cash Adj	2	4	2	8	3	3	4	7	15	16	21
+ Chg in Non-Cash Work Cap	-9	3	-3	-2	13	-53	13	-66	51	-42	-49
+ (Inc) Dec in Accts Receiv	-5	-16	-29	14	-6	-17	-14	-49	-29	42	-7
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-10	- -	-5	-21	8	-37	-10	-36	62	-19	-17
+ Inc (Dec) in Accts Payable	6	18	31	4	11	1	37	19	25	-59	-18
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	1	-6	-6	-8
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	4	22	7	20	53	-1	78	15	144	53	37
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-3	-4	-5	-6	-4	-11	-12	-13	-30	-21
+ Acq of Fixed Prod Assets	-2	-3	-4	-5	-6	-4	-11	-12	-13	-30	-21
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-34	- -	- -	- -	- -	-6	-54	-66	-75	-16
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	-34	- -	- -	- -	- -	-6	-54	-66	-75	-16
+ Net Change in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	- -	-1	- -	- -	- -	- -	- -	-5	-14	-1
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	-1	- -	- -	- -	- -	- -	-5	-14	-1
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-2	-3	-5	-5	-7	-4	-11	-13	-18	-44	-22
+ Dividends Paid	-18	-1	-20	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	29	37	38	4	-23	-8	-4	148	33	-33	38
+ Cash From Debt	38	40	114	90	12	- -	40	152	38	3,019	8,084
+ Repayments of Debt	-9	-3	-76	-86	-35	-8	-44	-4	-5	-3,052	-8,046
+ Other Financing Activities	-13	-2	-5	-5	-10	2	- -	-80	-3	-6	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-3	-1	13	-1	-33	-6	-10	14	-37	-114	21
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	2	-4	3
Net Changes in Cash	-1	19	15	13	13	-11	58	17	88	-105	36
EBITDA	17	26	18	29	49	64	78	95	110	114	85
EBITDA Margin (%)	13.4	15.45	9.18	10.49	15.37	17.83	17.06	17.44	16.7	17.24	14.02
Free Cash Flow	2	19	3	15	46	-5	68	3	131	23	16
Net Cash Paid for Acquisitions	- -	- -	1	- -	- -	- -	- -	- -	5	14	1
Free Cash Flow to Firm	5	26	- -	- -	52	- -	71	7	138	31	24
Free Cash Flow to Equity	- -	56	41	19	23	-13	63	151	163	-10	54
Free Cash Flow per Basic Share	0.07	0.54	0.08	0.56	1.22	-0.13	1.75	0.08	3.67	0.71	0.53
Price/Free Cash Flow	- -	- -	30.5	12.29	7.69	187.09	7.04	34.42	5.15	8.24	8
Cash Flow to Net Income	0.78	2.38	-0.73	-2.74	2.68	-0.03	1.67	0.26	2.41	0.9	1.13
Capital Expenditures	-2	-3	-4	-5	-6	-4	-11	-12	-13	-30	-21