MoneyGram International Inc

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MGI : NASDAQ : Financial
$12.76 | %
Today's Range: 12.51 - 12.79
Avg. Daily Volume: 618700.0
02/17/17 - 4:00 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 has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

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 Volume591290.0102777.0


HOLD. MONEYGRAM INTERNATIONAL INC's P/E ratio indicates a significant premium compared to an average of 27.11 for the IT Services industry and a significant premium compared to the S&P 500 average of 25.91. 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 75.06 Peers 27.11   MGI 5.62 Peers 19.31

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 12.27 Peers 20.79   MGI NM Peers 2.95

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 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 9.51   MGI 115.31 Peers 4.93

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 0.45 Peers 5.26   MGI 6.69 Peers 13.05

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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