MoneyGram International Inc

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MGI : NASDAQ : Financial
$11.78 -0.31 | -2.6%
Today's Range: 11.73 - 11.97
Avg. Daily Volume: 226400.0
01/17/17 - 3:59 PM ET

Financial Analysis

MONEYGRAM INTERNATIONAL INC's gross profit margin for the third quarter of its fiscal year 2016 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.

During the same period, stockholders' equity ("net worth") has increased by 14.61% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)383.1368.6
EBITDA ($mil)48.642.1
EBIT ($mil)30.025.3
Net Income ($mil)10.24.9

Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)1546.41789.4
Total Assets ($mil)4426.14511.4
Total Debt ($mil)937.3956.1
Equity ($mil)-208.5-244.2

Profitability Q3 FY16 Q3 FY15
Gross Profit Margin57.2757.24
EBITDA Margin12.6811.42
Operating Margin7.836.86
Sales Turnover0.340.31
Return on Assets0.26-1.52
Return on Equity0.00.0
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Interest Expense11.311.2
Interest Coverage2.652.26

Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)53.0753.2
Div / share0.00.0
Book value / share-3.93-4.59
Institutional Own % n/a n/a
Avg Daily Volume224351.0105250.0


HOLD. MONEYGRAM INTERNATIONAL INC's P/E ratio indicates a significant premium compared to an average of 27.94 for the IT Services industry and a significant premium compared to the S&P 500 average of 25.49. 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
MGI 70.12 Peers 27.94   MGI 5.25 Peers 19.79

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

MGI is trading at a significant 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.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
MGI 11.35 Peers 21.69   MGI NM Peers 1.66

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.


Neutral. 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's negative PEG ratio makes this valuation measure meaningless.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
MGI NM Peers 8.33   MGI 115.31 Peers 12.63

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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
MGI 0.42 Peers 5.35   MGI 6.69 Peers 16.93

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.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

MGI significantly trails its peers on the basis of sales growth



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