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IMXI

International Money Express, Inc.

IMXI

International Money Express, Inc. • NASDAQ
$15.24 ▲ 0.53% (+0.08)
Market Cap $452.89 M
52w High $22.30
52w Low $8.58
Dividend Yield 0%
P/E 11.91
Volume 67.52K
Outstanding Shares 29.72M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $154.921M ▼ $45.75M ▲ $4.963M ▼ 3.204% ▼ $0.17 ▼ $14.945M ▼
Q2-2025 $161.133M ▲ $39.415M ▲ $11.007M ▲ 6.831% ▲ $0.37 ▲ $23.915M ▲
Q1-2025 $144.31M ▼ $18.159M ▼ $7.769M ▼ 5.384% ▼ $0.25 ▼ $17.704M ▼
Q4-2024 $164.759M ▼ $27.641M ▼ $15.385M ▼ 9.338% ▼ $0.5 ▼ $31.56M ▲
Q3-2024 $171.947M $126.884M $17.297M 10.059% $0.53 $31.207M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $151.589M ▼ $478.732M ▼ $329.044M ▼ $149.688M ▲
Q2-2025 $174.723M ▲ $518.015M ▲ $375.762M ▲ $142.253M ▲
Q1-2025 $151.764M ▲ $490.589M ▲ $351.346M ▲ $139.243M ▲
Q4-2024 $130.503M ▼ $462.377M ▼ $327.453M ▼ $134.924M ▼
Q3-2024 $156.611M $480.923M $339.078M $141.845M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $4.963M ▼ $-28.675M ▼ $-7.472M ▼ $13.629M ▲ $-23.134M ▼ $-35.543M ▼
Q2-2025 $11.007M ▲ $39.902M ▼ $-4.72M ▲ $-14.622M ▲ $22.959M ▲ $35.332M ▼
Q1-2025 $7.769M ▼ $41.282M ▲ $-5.313M ▲ $-15.145M ▼ $21.261M ▲ $35.969M ▲
Q4-2024 $15.385M ▼ $-4.883M ▼ $-16.087M ▼ $-2.97M ▲ $-26.108M ▲ $-8.82M ▼
Q3-2024 $17.297M $29.302M $-7.709M $-97.168M $-76.598M $23.392M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Financial Service Other
Financial Service Other
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Foreign Exchange Gain
Foreign Exchange Gain
 $40.00M ▲$20.00M ▼$20.00M ▲$20.00M ▲
Wire Transfer And Money Order
Wire Transfer And Money Order
 $280.00M ▲$120.00M ▼$130.00M ▲$130.00M ▲

Five-Year Company Overview

Income Statement

Income Statement The company shows a clear pattern of steady growth and consistent profitability over the past several years. Revenue has climbed meaningfully from earlier years and now appears to be stabilizing at a higher level. Profit margins have generally improved, with operating profit and earnings per share rising over time, which suggests better efficiency and scale in the business. The most recent year looks more like consolidation than rapid expansion, with profits holding at solid levels rather than surging. Overall, the income statement reflects a mature, profitable operator in its niche rather than an early‑stage, high‑volatility story.

Balance Sheet

Balance Sheet The balance sheet looks reasonably balanced, with a mix of cash, debt, and equity that points to a company using leverage but not appearing overly stretched. Cash levels had been building but pulled back in the latest year, which may reflect investments, working capital swings, or returning capital in some form. Debt moved up as the company grew and then eased slightly, while shareholder equity has trended upward over time, signaling that retained profits are building the company’s net worth. In plain terms, the financial foundation seems sound, but the recent dip in cash is a point to watch going forward.

Cash Flow

Cash Flow Cash generation has been positive but somewhat uneven from year to year. The business has produced solid operating cash flow in some years and much thinner figures in others, even when reported earnings stayed strong. That gap suggests short‑term movements in items like receivables and payables can influence cash more than the income statement might imply. Free cash flow has generally been positive, helped by relatively low spending on capital investments. Overall, the company appears capable of funding its needs internally, but the volatility in operating cash flow is an area where investors may want to see more consistency.

Competitive Edge

Competitive Edge International Money Express has carved out a focused niche in money transfers from the U.S. and Canada to Latin America and the Caribbean. Its strength lies in deep local relationships, a dense network of physical agent locations in key communities, and strong brand recognition among migrant workers sending money home. This is reinforced by a proprietary technology platform that handles the full remittance workflow and compliance, which is not trivial to replicate. The combination of a trusted brand, community presence, and specialized corridor knowledge gives the company a defensible position against both global giants and digital‑only newcomers, although competition in remittances remains intense and price‑sensitive.

Innovation and R&D

Innovation and R&D The company is leaning heavily into technology and product innovation rather than traditional lab‑style R&D. Its omnichannel strategy—blending agents, mobile app, and online platform—is a central growth lever. The Remittance‑as‑a‑Service offering is particularly notable, turning IMXI’s infrastructure into a white‑label platform for other financial players and retailers, which can expand its reach without matching marketing spend. Products like the payroll card program show an effort to deepen customer ties and create more reasons to use the ecosystem beyond a simple transfer. Acquisitions and partnerships in Central America, the Dominican Republic, and Canada further extend its network and digital capabilities. Future innovation will likely center on scaling digital usage, broadening B2B integrations, and refining user experience rather than radical new product lines.

Summary

International Money Express looks like a focused, profitable remittance specialist with a solid financial base and a clear geographic niche. Its income statement shows healthy, improving profitability over time; the balance sheet indicates measured use of debt and growing equity; and free cash flow has generally been supportive, even if year‑to‑year cash dynamics can swing. Competitively, the company benefits from strong roots in Latin American corridors, a trusted brand, and a hybrid model that blends local agents with a modern digital platform. Innovation is playing out through digital expansion, platform‑based services, and targeted partnerships rather than traditional heavy R&D spending. Key uncertainties revolve around sustaining growth now that the business is more mature, keeping cash flows aligned with earnings, and navigating strategic changes such as the potential Western Union acquisition and other strategic alternatives under review.

NEWS

November 20, 2025 · 12:19 PM UTC

International Money Express Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of International Money Express, Inc. - IMXI

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November 3, 2025 · 11:24 AM UTC

Shareholder Alert: The Ademi Firm continues to investigate whether International Money Express Inc. is obtaining a Fair Price for its Public Shareholders

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October 28, 2025 · 8:00 AM UTC

Intermex and Caribe Express Unite to Transform Remittance Experience in the Dominican Republic

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October 7, 2025 · 4:05 PM UTC

Western Union and Intermex Announce Expiration of the Hart-Scott-Rodino Act Waiting Period

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October 7, 2025 · 4:05 PM UTC

Western Union and Intermex Announce Expiration of the Hart-Scott-Rodino Act Waiting Period

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