International Money Express vs Payoneer Global
IMXI and PAYO side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How IMXI and PAYO compare
Payoneer Global is the larger company, worth 8.8 times as much as International Money Express ($2.4B against $277M).
On earnings, International Money Express is cheaper: it trades at 14.5× trailing earnings, against 47.7× for Payoneer Global.
Payoneer Global grew revenue faster over the last twelve months (6.3% versus −13.5% for International Money Express).
Payoneer Global keeps more of each dollar of sales as profit, with a net margin of 4.6% compared with 3.4% at International Money Express.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | IMXI | PAYO |
|---|---|---|
| Size and price | ||
| Market cap | $277M | $2.4B |
| Share price | $9.16 | $7.15 |
| Change, 1 year | −38.3% | 21.8% |
| Change, 5 years | −46.1% | −5.9% |
| Beta (5Y) | 0.76 | 1.17 |
| Employees | 531 | 2,540 |
| StockData Score | ||
| Total score | 11 | 11 |
| Valuation score | 5 (better) | 0 |
| Growth score | 0 | 2 (better) |
| Performance score | 2 | 4 (better) |
| Health score | 4 | 5 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 14.5× (better) | 47.7× |
| P/S | 0.5× (better) | 2.2× |
| P/B | 1.6× (better) | 3.7× |
| EV/EBITDA | 4.5× (better) | 11.0× |
| P/FCF | 31.3× | 13.4× (better) |
| FCF yield | 3.2% | 7.5% (better) |
| Fair value | $17.86 | $5.78 |
| Margin of safety | 48.7% (better) | −23.6% |
| Growth | ||
| Revenue growth (TTM) | −13.5% | 6.3% (better) |
| Revenue growth, 5Y average | 11.2% | 25.0% (better) |
| Net income growth (TTM) | −63.8% | −49.6% (better) |
| EPS growth (TTM) | −61.6% | −40.0% (better) |
| EPS growth, 5Y average | 4.2% | – |
| Profitability | ||
| Operating margin | 6.2% | 10.4% (better) |
| Net margin | 3.4% | 4.6% (better) |
| FCF margin | 1.6% | 16.8% (better) |
| Return on equity | 11.9% (better) | 7.1% |
| Return on invested capital | 19.3% | 20.8% (better) |
| Financial health | ||
| Debt / equity | 0.67 (better) | 0.00 |
| Net debt / EBITDA | −0.69 | – |
| Interest coverage | 3.3× | – |
| Current ratio | 1.96 (better) | 1.00 |
| Altman Z-score | 3.37 (better) | 0.38 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 0.00% | 8.9% (better) |
| Shareholder yield | 0.00% | 8.9% (better) |
| Ownership | ||
| Held by institutions | 95.8% | 89.5% |
| Held by insiders | 16.8% | 21.0% |
| Insider net buying, 12 months | – | −$175K |
| Short interest, % of float | 9.0% | 5.3% |
Go deeper
- IMXI stock overview
- IMXI income statement
- IMXI valuation and score
- PAYO stock overview
- PAYO income statement
- PAYO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.