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MoneyGram International Inc.
MGI : NASDAQ : Financial

$14.81 | %
Today's Range: 14.19 - 15.99
Avg. Daily Volume: 283,500
04/17/14 - 3:59 PM ET

Financial Analysis


MONEYGRAM INTERNATIONAL INC's gross profit margin for the fourth quarter of its fiscal year 2013 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

At the same time, stockholders' equity ("net worth") has greatly increased by 52.29% from the same quarter last year.

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Income Statement Q4 FY13 Q4 FY12
Net Sales ($mil)385.8354.41
EBITDA ($mil)60.057.57
EBIT ($mil)45.845.85
Net Income ($mil)23.420.25


Balance Sheet Q4 FY13 Q4 FY12
Cash & Equiv. ($mil)3240.13133.3
Total Assets ($mil)4786.95150.6
Total Debt ($mil)842.9809.9
Equity ($mil)-77.0-161.4


Profitability Q4 FY13 Q4 FY12
Gross Profit Margin61.0260.9
EBITDA Margin15.5516.24
Operating Margin11.8712.94
Sales Turnover0.310.26
Return on Assets1.09-0.95
Return on Equity0.00.0
Debt Q4 FY13 Q4 FY12
Current Ratio0.00.0
Debt/Capital1.11.25
Interest Expense10.017.67
Interest Coverage4.582.59


Share Data Q4 FY13 Q4 FY12
Shares outstanding (mil)57.9657.86
Div / share0.00.0
EPS0.330.28
Book value / share-1.33-2.79
Institutional Own % n/a n/a
Avg Daily Volume230476.095178.0

Valuation


HOLD. MONEYGRAM INTERNATIONAL INC's P/E ratio indicates a premium compared to an average of 21.62 for the IT Services industry and a premium compared to the S&P 500 average of 18.29. Normally, for additional comaprison, we would look at the price-to-book ratio; however, this company's price-to-book ratio is negative making the value useless for comparisons. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
MGI 24.62 Peers 21.62   MGI 1.71 Peers 16.51

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

MGI is trading at a premium 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.

MGI is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
MGI 11.09 Peers 18.00   MGI 0.27 Peers 1.44

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

MGI 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.

MGI trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
MGI NM Peers 7.05   MGI 204.28 Peers 44.98

Neutral. 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.

MGI's P/B is negative making this valuation measure meaningless.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

MGI is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
MGI 0.71 Peers 4.40   MGI 9.93 Peers 5.97

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.

MGI is trading at a significant discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

MGI has a sales growth rate that significantly exceeds its peers.

 

 

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