International Money Express Inc.
Find Ratings ReportsINTERNATIONAL MONEY EXPR INC's gross profit margin for the third quarter of its fiscal year 2023 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased. INTERNATIONAL MONEY EXPR INC has strong liquidity. Currently, the Quick Ratio is 1.59 which shows the ability to cover short-term cash needs. The company managed to increase its liquidity from the same period a year ago, despite already having strong liquidity to begin with. This would indicate improved cash flow.
During the same period, stockholders' equity ("net worth") has increased by 8.70% from the same quarter last year. The key liquidity measurements indicate that the company is unlikely to face financial difficulties in the near future.
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Income Statement | Q3 FY23 | Q3 FY22 |
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Net Sales ($mil) | 149.75 | 121.92 |
EBITDA ($mil) | 6.19 | 4.43 |
EBIT ($mil) | 2.72 | 2.15 |
Net Income ($mil) | 14.83 | 16.63 |
Balance Sheet | Q3 FY23 | Q3 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 222.45 | 105.05 |
Total Assets ($mil) | 619.59 | 398.9 |
Total Debt ($mil) | 227.37 | 125.98 |
Equity ($mil) | 157.64 | 145.01 |
Profitability | Q3 FY23 | Q3 FY22 |
---|---|---|
Gross Profit Margin | 4.14 | 3.63 |
EBITDA Margin | 4.13 | 3.63 |
Operating Margin | 1.82 | 1.77 |
Sales Turnover | 0.9 | 1.13 |
Return on Assets | 8.89 | 14.38 |
Return on Equity | 34.94 | 39.58 |
Debt | Q3 FY23 | Q3 FY22 |
---|---|---|
Current Ratio | 1.98 | 2.38 |
Debt/Capital | 0.59 | 0.46 |
Interest Expense | 2.8 | 1.47 |
Interest Coverage | 0.97 | 1.47 |
Share Data | Q3 FY23 | Q3 FY22 |
---|---|---|
Shares outstanding (mil) | 35.07 | 37.06 |
Div / share | 0.0 | 0.0 |
EPS | 0.41 | 0.43 |
Book value / share | 4.5 | 3.91 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 232160.0 | 294475.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.79 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. To use another comparison, its price-to-book ratio of 4.64 indicates valuation on par with the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.59. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, INTERNATIONAL MONEY EXPR INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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IMXI 14.00 | Peers 17.79 | IMXI 6.88 | Peers 20.37 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. IMXI is trading at a discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. IMXI is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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IMXI 7.92 | Peers 13.90 | IMXI 0.29 | Peers 1.74 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. IMXI is trading at a significant discount to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. IMXI trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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IMXI 4.64 | Peers 8.59 | IMXI 1.36 | Peers 24.93 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. IMXI is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, IMXI is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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IMXI 1.31 | Peers 4.86 | IMXI 23.94 | Peers 44.98 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. IMXI is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. IMXI significantly trails its peers on the basis of sales growth. |
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