International Money Express, Inc. Financial Ratios — IMXI

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	186.94	80.23	51.9	35.24	25.79	11.93
Return on Assets (%)	- -	15.83	-6.07	-3.27	8.65	13.88	15.61	13.45	10.93	11.32	6.67
Return on Capital (%)	- -	284.07	- -	- -	26.15	35.32	34.92	25.22	18.12	15.72	8.64
Return on Invested Capital (%)	- -	39.55	- -	- -	16.3	23.11	24.82	22.71	19.33	20.55	13.69
Gross Margin (%)	34.18	34.66	32.62	33.38	33.46	33.21	33.05	33.28	34.59	34.87	36.02
EBITDA Margin (%)	13.4	15.45	9.18	10.49	15.37	17.83	17.06	17.44	16.7	17.24	14.02
Operating Margin (%)	11.42	13.92	0.9	4.77	11.4	14.8	15	15.71	14.75	15.17	11.2
Incremental Operating Margin (%)	- -	21.46	-59.52	15.46	51.14	43.67	15.68	19.47	10.04	-3,193.02	62.57
Pretax Margin (%)	8.01	8.15	-4.79	-1.96	8.74	12.96	13.79	14.13	12.91	12.64	7.75
Profit Margin (%)	4.64	5.68	-5.06	-2.64	6.14	9.46	10.2	10.48	9.03	8.93	5.38
Net Income to Common Margin (%)	4.64	5.68	-5.06	-2.64	6.14	9.46	10.2	10.48	9.03	8.93	5.38
Effective Tax Rate (%)	42.13	30.29	- -	- -	29.8	27.03	26.02	25.81	30.04	29.36	30.63
Dvd Payout Ratio (%)	315.13	13.69	-198.34	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	186.94	80.23	51.9	35.24	25.79	11.93

Credit (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 Debt	- -	78	112	117	95	88	83	184	216	182	217
ST Debt	- -	1	4	4	7	7	4	10	12	6	6
LT Debt	- -	77	108	113	88	81	79	174	204	175	210
Total Debt/EBITDA	- -	3.05	6.07	4.08	1.93	1.38	1.06	1.93	1.96	1.6	2.54
Net Debt/EBITDA	- -	1.58	2.86	1.54	0.17	0.2	-0.63	0.06	-0.46	0.23	0.31
Total Debt/EBIT	- -	3.39	61.9	8.97	2.6	1.66	1.21	2.14	2.22	1.82	3.18
Net Debt/EBIT	- -	1.76	29.19	3.38	0.23	0.24	-0.72	0.07	-0.52	0.26	0.38
EBITDA to Interest Expense	3.93	2.68	1.61	1.56	5.77	9.7	17.27	16.94	10.55	9.67	7.2
EBITDA-CapEx/Interest Expense	3.44	2.36	1.23	1.27	5.01	9.08	14.94	14.78	9.32	7.11	5.42
EBIT to Interest Expense	3.35	2.41	0.16	0.71	4.28	8.05	15.18	15.26	9.32	8.51	5.75
Interest Expense	4	10	11	18	9	7	5	6	10	12	12
Common Equity/Total Assets	- -	-56.18	-4.7	-7.71	0.52	13.48	24.02	27.17	34.44	55.68	56.05
Long-Term Debt/Equity (%)	- -	2,368.63	300.97	254.82	156.56	85.48	55.38	115.74	136.71	129.85	130.58
Long-Term Debt/Capital (%)	- -	683.01	106.15	113.5	91.42	65.73	48.04	53.74	49.15	39.9	41.51
Long-Term Debt/Total Assets (%)	- -	64.98	49.89	50.18	38.55	31.05	23.26	33.88	35.32	37.89	40.62
Total Debt/Equity (%)	- -	2,394.71	311.87	263.67	169.15	92.96	58.09	122.57	144.84	134.65	134.44
Total Debt/Capital (%)	- -	690.53	109.99	117.44	98.77	71.48	50.39	56.91	52.08	41.37	42.73
Total Debt/Total Assets (%)	- -	65.7	51.7	51.92	41.65	33.77	24.4	35.88	37.42	39.29	41.82
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
Net Debt/Capital (%)	- -	-153.73	123.86	164.93	87.87	26.67	-152.29	3.3	-29.07	8.46	7.74
EBITDA	17	26	18	29	49	64	78	95	110	114	85
EBITDA-CapEx	15	23	14	23	43	60	68	83	97	84	64
Operating Income (Loss)	14	23	2	13	36	53	69	86	97	100	68

Liquidity (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
Cash Ratio	- -	0.98	0.81	1.07	1.03	0.89	1.13	0.81	1.07	0.86	1.2
Current Ratio	- -	2.01	1.64	2.04	1.77	2.22	2.26	2.07	1.94	1.96	2.51
Quick Ratio	- -	1.71	1.52	1.61	1.51	1.55	1.72	1.52	1.77	1.58	1.96
CFO/Avg Current Liab	- -	1.17	0.13	0.28	0.69	-0.01	0.78	0.1	0.7	0.28	0.25
Common Equity/Total Assets	- -	-56.18	-4.7	-7.71	0.52	13.48	24.02	27.17	34.44	55.68	56.05
Long-Term Debt/Equity (%)	- -	2,368.63	300.97	254.82	156.56	85.48	55.38	115.74	136.71	129.85	130.58
Long-Term Debt/Capital (%)	- -	683.01	106.15	113.5	91.42	65.73	48.04	53.74	49.15	39.9	41.51
Long-Term Debt/Total Assets (%)	- -	64.98	49.89	50.18	38.55	31.05	23.26	33.88	35.32	37.89	40.62
Total Debt/Equity (%)	- -	2,394.71	311.87	263.67	169.15	92.96	58.09	122.57	144.84	134.65	134.44
Total Debt/Capital (%)	- -	690.53	109.99	117.44	98.77	71.48	50.39	56.91	52.08	41.37	42.73
Total Debt/Total Assets (%)	- -	65.7	51.7	51.92	41.65	33.77	24.4	35.88	37.42	39.29	41.82
CFO/Total Liabilities	- -	19.39	4.1	10.94	30.66	-0.53	39.54	4.19	33.55	16.21	10.34
CFO/CapEx	2.16	7.44	1.7	3.72	8.12	-0.22	7.38	1.25	11.21	1.77	1.75
Altman's Z-Score	- -	1.72	3.08	3.49	4.76	5.62	5.25	4.38	4.09	5.24	4.18

Working Capital (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
Accounts Receivable Turnover	- -	11.91	5.08	6.28	8.46	7.54	7.51	5.55	4.62	5.02	5.72
Days Sales Outstanding	- -	30.64	71.85	58.08	43.14	48.42	48.62	65.79	78.97	72.68	63.79
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	36.75	18.3	17.93	17.12	18.23	17.12	14.94	13.86	15.31	22.32
Accounts Payable Turnover Days	- -	9.93	19.94	20.36	21.32	20.02	21.32	24.43	26.34	23.84	16.35
Cash Conversion Cycle	- -	20.71	51.9	37.72	21.83	28.4	27.3	41.36	52.63	48.85	47.44
Inventory to Cash Days	- -	30.64	71.85	58.08	43.14	48.42	48.62	65.79	78.97	72.68	63.79
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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
Market Capitalization	- -	- -	359	309	454	591	614	920	787	676	460
- Cash & Cash Equivalents	- -	38	59	73	86	75	132	149	239	131	169
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	78	112	117	95	88	83	184	216	182	217
Enterprise Value	- -	40	412	354	463	603	565	954	763	727	508
Total Capital	- -	11	102	100	96	123	165	323	415	439	507
Total Debt/Capital (%)	- -	690.53	109.99	117.44	98.77	71.48	50.39	56.91	52.08	41.37	42.73
Total Debt / EV	- -	1.93	0.27	0.33	0.2	0.15	0.15	0.19	0.28	0.25	0.43
EV/Sales	- -	0.24	2.05	1.29	1.45	1.69	1.23	1.74	1.16	1.1	0.84
EV/EBITDA	- -	1.58	22.31	12.3	9.42	9.47	7.21	10	6.94	6.4	5.96
EV/EBIT	- -	1.76	227.62	27.05	12.69	11.41	8.2	11.1	7.86	7.27	7.46
EV/Cash Flow to Firm	- -	1.39	21.12	7.91	7.91	154.29	6.93	49.29	5.06	11.84	11.26
EV/Free Cash Flow to Firm	- -	1.26	17.26	7.07	7.12	75.68	6.13	30.26	4.66	7.95	7.67
Diluted Market Cap	- -	- -	359	309	454	595	624	941	805	684	464
Diluted Enterprise Value	- -	40	412	354	463	608	575	976	781	735	511
EV per Share	- -	1.12	11.38	13.67	12.27	15.85	14.68	25.28	21.43	22.41	16.96
TTM Sales	124	165	201	274	320	357	459	547	659	659	608
TTM EBITDA	17	26	18	29	49	64	78	95	110	114	85
TTM Operating Income	14	23	2	13	36	53	69	86	97	100	68
TTM Cash Flow to Firm	7	29	19	45	59	4	81	19	151	61	45
TTM Free Cash Flow to Firm	9	32	24	50	65	8	92	32	164	91	66

Multiples (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
Price/Free Cash Flow	- -	- -	30.5	12.29	7.69	187.09	7.04	34.42	5.15	8.24	8
EV/EBIT	- -	1.76	227.62	27.05	12.69	11.41	8.2	11.1	7.86	7.27	7.46
Enterprise Value	- -	40	412	354	463	603	565	954	763	727	508
Low Price	- -	- -	9.7	9.06	10.31	6.46	13.14	15.07	15.76	16.17	8.58
EV/Sales	- -	0.24	2.05	1.29	1.45	1.69	1.23	1.74	1.16	1.1	0.84
EV/EBITDA	- -	1.58	22.31	12.3	9.42	9.47	7.21	10	6.94	6.4	5.96
Price/Earnings	- -	- -	- -	- -	23.15	17.48	13.11	16.04	13.22	11.48	14.08
Price/Earnings Average	- -	- -	-34.85	-37.51	24.89	14.51	13.02	13.79	13.17	11.13	12.79
Price/Earnings High	- -	- -	-41.83	-47.78	30.96	21.06	15.57	18.3	16.89	12.84	19.61
Price/Earnings Low	- -	- -	-34.5	-32.36	19.83	7.28	10.79	9.92	9.43	8.92	7.86
Price/Book Value	- -	- -	-35.29	-17.77	384.77	16.89	7.51	6.61	3.96	2.62	1.58
Price/Book Value Average	- -	- -	-34.85	-15.6	413.64	14.02	7.46	5.68	3.95	2.54	1.44
Price/Book Value High	- -	- -	-41.83	-19.87	514.51	20.35	8.92	7.54	5.06	2.93	2.21
Price/Book Value Low	- -	- -	-34.5	-13.46	329.48	7.03	6.18	4.09	2.82	2.04	0.89
Price/Tangible Book Value	- -	- -	-7.31	-10.98	-59.16	15.72	6.72	11.45	10.23	12.77	5.63
Price/Tangible Book Value Average	- -	- -	-7.22	-9.64	-63.6	13.05	6.68	9.85	10.19	12.38	5.12
Price/Tangible Book Value High	- -	- -	-8.67	-12.28	-79.11	18.93	7.98	13.07	13.07	14.28	7.85
Price/Tangible Book Value Low	- -	- -	-7.15	-8.32	-50.66	6.54	5.53	7.08	7.3	9.92	3.15
Price/Sales	- -	- -	1.79	1.13	1.42	1.65	1.34	1.68	1.19	1.03	0.76
Price/Sales Average	- -	- -	1.76	0.99	1.53	1.37	1.33	1.45	1.19	0.99	0.69
Price/Sales High	- -	- -	2.12	1.26	1.9	1.99	1.59	1.92	1.53	1.15	1.05
Price/Sales Low	- -	- -	1.75	0.86	1.22	0.69	1.1	1.04	0.85	0.8	0.42
Price/Cash Flow	- -	- -	48.39	15.6	8.64	-671.25	7.86	60.6	5.48	12.73	12.47
Price/Cash Flow Average	- -	- -	47.8	13.7	9.29	-557.07	7.81	52.11	5.46	12.33	11.33
Price/Cash Flow High	- -	- -	57.37	17.45	11.56	-808.35	9.34	69.15	7.01	14.22	17.37
Price/Cash Flow Low	- -	- -	47.32	11.82	7.4	-279.4	6.47	37.47	3.91	9.88	6.96
Price/Free Cash Flow Average	- -	- -	30.12	10.8	8.27	155.27	6.99	29.6	5.13	7.98	7.27
Price/Free Cash Flow High	- -	- -	36.16	13.75	10.29	225.3	8.36	39.28	6.58	9.2	11.14
Price/Free Cash Flow Low	- -	- -	29.82	9.31	6.59	77.87	5.79	21.29	3.67	6.39	4.47
EV/Sales Average	- -	0.24	2.03	1.15	1.55	1.41	1.22	1.51	1.15	1.07	0.77
EV/Sales High	- -	0.24	2.38	1.43	1.93	2.03	1.48	1.98	1.49	1.22	1.13
EV/Sales Low	- -	0.24	2.01	1.02	1.24	0.72	0.99	1.1	0.82	0.87	0.5
EV/EBITDA Average	- -	1.58	22.07	10.99	10.11	7.9	7.16	8.65	6.91	6.22	5.46
EV/EBITDA High	- -	1.58	25.92	13.58	12.53	11.37	8.68	11.36	8.93	7.1	8.08
EV/EBITDA Low	- -	1.58	21.88	9.69	8.09	4.06	5.82	6.32	4.89	5.07	3.58
EV/EBIT Average	- -	1.76	225.17	24.17	13.63	9.51	8.14	9.6	7.83	7.06	6.84
EV/EBIT High	- -	1.76	264.43	29.86	16.89	13.7	9.88	12.61	10.11	8.07	10.12
EV/EBIT Low	- -	1.76	223.22	21.31	10.9	4.89	6.62	7.02	5.54	5.76	4.48
Last Price	- -	- -	9.92	11.96	12.04	15.52	15.96	24.37	22.09	20.83	15.36
High Price	- -	- -	11.76	13.38	16.1	18.69	18.96	27.81	28.24	23.28	21.4
Enterprise Value Average	- -	40	407	316	497	503	561	825	760	706	466
Enterprise Value High	- -	40	478	390	616	724	680	1,084	982	806	689
Enterprise Value Low	- -	40	404	279	397	259	456	603	538	576	305

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	36	36	36	38	38	38	37	34	31	30
Diluted Weighted Avg Shares	36	36	36	26	38	38	39	39	36	33	30
Basic Weighted Avg Shares	36	36	36	26	38	38	38	38	36	32	30
Revenue per Share	3.43	4.57	5.56	10.59	8.48	9.39	11.94	14.49	18.5	20.31	20.3
EBITDA per Share	0.46	0.71	0.51	1.11	1.3	1.67	2.04	2.53	3.09	3.5	2.85
Operating Income per Share	0.39	0.64	0.05	0.51	0.97	1.39	1.79	2.28	2.73	3.08	2.27
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 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
Dividend per Share	0.5	0.04	0.56	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.12	0.62	0.2	0.77	1.39	-0.02	2.03	0.4	4.03	1.64	1.23
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
Cash & Equivalents per Share	- -	1.04	1.63	2.82	2.28	1.97	3.44	3.96	6.72	4.02	5.63
Book Value per Share	- -	-1.84	-0.28	-0.67	0.03	0.92	2.13	3.69	5.58	7.94	9.69
Tangible Book Value per Share	- -	-0.09	-1.36	-1.09	-0.2	0.99	2.38	2.13	2.16	1.63	2.73

International Money Express, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)