International Money Express vs Sezzle
IMXI and SEZL 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 SEZL compare
Sezzle is the larger company, worth 16 times as much as International Money Express ($4.5B against $277M).
On earnings, International Money Express is cheaper: it trades at 14.5× trailing earnings, against 29.6× for Sezzle.
Sezzle grew revenue faster over the last twelve months (43.1% versus −13.5% for International Money Express).
Sezzle keeps more of each dollar of sales as profit, with a net margin of 30.4% compared with 3.4% at International Money Express.
International Money Express scores higher on the StockData Score (11 against 10 for Sezzle), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | IMXI | SEZL |
|---|---|---|
| Size and price | ||
| Market cap | $277M | $4.5B |
| Share price | $9.16 | $134.85 |
| Change, 1 year | −38.3% | 91.7% |
| Change, 5 years | −46.1% | 21766% |
| Beta (5Y) | 0.76 | −0.83 |
| Employees | 531 | 201 |
| StockData Score | ||
| Total score | 11 (better) | 10 |
| Valuation score | 5 (better) | 0 |
| Growth score | 0 | 3 (better) |
| Performance score | 2 | 4 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 14.5× (better) | 29.6× |
| P/S | 0.5× (better) | 8.5× |
| P/B | 1.6× (better) | 19.5× |
| EV/EBITDA | 4.5× (better) | 20.6× |
| P/FCF | 31.3× | 16.5× (better) |
| FCF yield | 3.2% | 6.0% (better) |
| Fair value | $17.86 | $103.02 |
| Margin of safety | 48.7% (better) | −30.9% |
| Growth | ||
| Revenue growth (TTM) | −13.5% | 43.1% (better) |
| Revenue growth, 5Y average | 11.2% | 50.3% (better) |
| Net income growth (TTM) | −63.8% | 54.4% (better) |
| EPS growth (TTM) | −61.6% | 56.2% (better) |
| EPS growth, 5Y average | 4.2% | – |
| Profitability | ||
| Operating margin | 6.2% | 40.4% (better) |
| Net margin | 3.4% | 30.4% (better) |
| FCF margin | 1.6% | 51.6% (better) |
| Return on equity | 11.9% | 88.9% (better) |
| Return on invested capital | 19.3% | 211% (better) |
| Financial health | ||
| Debt / equity | 0.67 | – |
| Net debt / EBITDA | −0.69 | – |
| Interest coverage | 3.3× | 15.5× (better) |
| Current ratio | 1.96 | 4.02 (better) |
| Altman Z-score | 3.37 | 15.92 (better) |
| Piotroski F-score | 6 | 8 (better) |
| Dividends and buybacks | ||
| Buyback yield | 0.00% | 1.5% (better) |
| Shareholder yield | 0.00% | 1.5% (better) |
| Ownership | ||
| Held by institutions | 95.8% | 44.1% |
| Held by insiders | 16.8% | 45.3% |
| Insider net buying, 12 months | – | −$26.7M |
| Short interest, % of float | 9.0% | 22.9% |
Go deeper
- IMXI stock overview
- IMXI income statement
- IMXI valuation and score
- SEZL stock overview
- SEZL income statement
- SEZL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.