IMXINasdaqServices-Business Services, NECFiscal year ends December 31
International Money Express, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$9.66−0.64 (-6.21%)
Close on Oct 19, 2026
- Market cap
- $295.68M
- P/E (TTM)
- 15.3
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2015 to 2025
Operating margin
9.2%−5.6 pts over 5 years
Net margin
5.4%−4.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -7.7% | +3.6% | +11.2% | – | |
| Operating income | -41.4% | -12.4% | +1.0% | – | |
| Net income | -44.5% | -17.1% | -0.7% | – | |
| EPS, diluted | -39.7% | -10.0% | +4.2% | – | |
| Free cash flow | -31.5% | +74.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -0.1% | 45.0% | 22.1% | |
| Return on assets | – | 13.9% | 6.7% | |
| Current ratio | 0.18 | 2.22 | 2.51 | |
| Debt to equity | – | 0.93 | 1.21 | |
| Net debt to EBITDA | – | 0.20× | 0.36× | |
| Interest coverage | – | 8.1× | 4.7× | |
| Capex to revenue | – | 1.1% | 3.5% | |
| Diluted shares | 5M | 38M | 30M |
Where the cash went
Fiscal 2021 to 2025, five years combined
International Money Express generated $326.77M from operations and spent $303.67M on capital expenditure, dividends and share buybacks. 29% of that went back into the business.
Generated
$326.77M
Used
$303.67M
Capital expenditure$86.64M29%Dividends$00%Share buybacks$217.03M71%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin5.4%
×Asset turnover1.24×
×Equity multiplier3.31×
=Return on equity, FY202522.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 5.4% | 1.24× | 3.31× | 22.1% |
| FY2024 | 8.9% | 1.27× | 3.66× | 41.4% |
| FY2023 | 9.0% | 1.21× | 3.64× | 39.8% |
| FY2022 | 10.5% | 1.28× | 2.91× | 39.1% |
| FY2021 | 10.2% | 1.53× | 2.53× | 39.5% |
| FY2020 | 9.5% | 1.47× | 3.24× | 45.0% |
| FY2019 | 6.1% | 1.41× | 4.51× | 39.0% |
| FY2018 | -2.6% | 1.24× | 5.50× | -18.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 8 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$32.67M
- Cash generatingOperating cash flow above zero$36.89M
- Return on assets improvedROA up on the prior year10.2% → 7.1%
- Earnings backed by cashOperating cash flow above net income$36.89M vs $32.67M
- Less leverageLong-term debt to assets fell33.9% → 37.6%
- Better liquidityCurrent ratio rose1.96 → 2.51
- No dilutionShare count did not rise33M → 30M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose1.14 → 1.31