MoneyGram International Inc.

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MGI : NASDAQ : Commercial Services
$11.41 -0.18 | -1.6%
Today's Range: 11.4 - 11.72
Avg. Daily Volume: 1029100.0
02/20/18 - 1:09 PM ET

Financial Analysis


MONEYGRAM INTERNATIONAL INC's gross profit margin for the third quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. Sales and net income have dropped, however the growth has outpaced the average competitor within the industry.

During the same period, stockholders' equity ("net worth") has increased by 11.75% from the same quarter last year.

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Income Statement Q3 FY17 Q3 FY16
Net Sales ($mil)397.8412.8
EBITDA ($mil)47.348.5
EBIT ($mil)28.429.9
Net Income ($mil)7.710.1


Balance Sheet Q3 FY17 Q3 FY16
Cash & Equiv. ($mil)1588.41546.4
Total Assets ($mil)4546.14426.1
Total Debt ($mil)909.9937.3
Equity ($mil)-184.0-208.5


Profitability Q3 FY17 Q3 FY16
Gross Profit Margin60.3360.32
EBITDA Margin11.8911.74
Operating Margin7.147.24
Sales Turnover0.350.37
Return on Assets0.650.25
Return on Equity0.00.0
Debt Q3 FY17 Q3 FY16
Current Ratio0.00.0
Debt/Capital1.251.29
Interest Expense11.611.3
Interest Coverage2.452.65


Share Data Q3 FY17 Q3 FY16
Shares outstanding (mil)63.1361.98
Div / share0.00.0
EPS0.120.15
Book value / share-2.91-3.36
Institutional Own % n/a n/a
Avg Daily Volume1062108.0457733.0

Valuation


HOLD. The current P/E ratio indicates a significant discount compared to an average of 68.05 for the IT Services industry and a value on par with the S&P 500 average of 25.51. 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. After reviewing these and other key valuation criteria, MONEYGRAM INTERNATIONAL INC proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
MGI 26.09 Peers 68.05   MGI 5.94 Peers 24.45

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

MGI is trading at a significant 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.

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 10.21 Peers 24.89   MGI 0.08 Peers 1.81

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 11.34   MGI 164.70 Peers 21.78

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 0.46 Peers 6.97   MGI -0.54 Peers 15.77

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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