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IMXI$15.12+1.00%
Fair $15.12+0.0%

IMXI

International Money Express, Inc.

Technology / Software - InfrastructureNasdaqCM

$15.12

+0.15 (+1.00%)

Fairly Valued+0.0%Fair Value $15.12Fund rank 24/100 · Data gapFallback financials|
SA 41/C
F-Score: 5/9
Declining Revenue

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 31% · confianza 25%

FCF escenarios

weak_data · normalized FCF $23.1M · quality 31.3/100

Data gap 24/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 28/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

41/100

C

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 10Warnings: 1unknown: 10
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Revenue has declined for 2 consecutive years
Thesis & Journal · IMXILocal privado en este navegador · International Money Express, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$455M

P/E

17.8x

↓

EV/EBITDA

6.6x

↓

ROE

20.3%

↑

Gross Margin

36.0%

↑

Debt/Equity

1.34

↑
52-Week Range$15
$9$16

TradingView lightweight chart

IMXI price, volumen y niveles de valoración

Último $15.12Periodo +55.9%
Fair value: $15.12

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2016–2025 · 9 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

2.6%

FCF / Net income

0.48x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $607.8M · net income $32.7M · FCF $15.8M

2016-FY → 2025-FY

Gross margin

36.0%— pts

Operating margin

11.2%— pts

Net margin

5.4%— pts

FCF margin

2.6%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Income Statement
Revenue$607.8M$607.8M$658.6M$658.7M$546.8M——$319.6M$273.9M$201.0M—
Net Income$32.7M$32.7M$58.8M$59.5M$57.3M$46.8M$33.8M$19.6M$-7.2M$-10.2M$-1621.00
EBITDA$76.1M$76.1M$108.7M$108.4M$92.4M$77.3M$63.7M$49.1M$28.7M$18.5M—
EPS1.081.081.791.631.481.200.880.52-0.28——
Gross Margin36.0%36.0%34.9%34.6%33.3%——————
Operating Margin11.2%11.2%15.2%14.7%15.7%——11.4%4.8%0.9%—
Net Margin5.4%5.4%8.9%9.0%10.5%——6.1%-2.6%-5.1%—
Balance Sheet
Debt/Equity1.341.341.351.451.230.550.851.572.553.01—
Current Ratio2.842.84—————————
Cash Flow
Free Cash Flow$15.8M$15.8M$23.1M$130.7M$3.0M$67.5M$-4.9M$46.1M$14.5M$3.1M—
Returns
ROE20.3%20.3%43.6%39.9%38.2%32.7%35.8%35.0%-16.3%-28.3%-0.0%
Valuation
P/E17.7917.7911.4613.1415.41——————
EV/EBITDA6.636.636.676.999.91——————
P/B2.832.835.005.245.88——————
Growth & Yield
Revenue Growth-7.7%-7.7%-0.0%20.5%———16.7%36.2%——
EPS Growth-39.7%-39.7%9.8%10.1%—36.4%69.2%285.7%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

7.5%

razonable

EPS terminal req.

$1.34

Spread vs growth

-47.2%

5Y implied EPS CAGR

8.5%

razonable

EPS terminal req.

$1.62

Spread vs growth

-48.2%

10Y implied EPS CAGR

9.2%

razonable

EPS terminal req.

$2.61

Spread vs growth

-48.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +37.1%

Total return

+37.1%

Start / end P/E

6.2x → 14.0x

EPS bridge

1.79 → 1.08

Residual

-50.5%

EPS growth-39.7%
Multiple rerating+127.2%
Dividend+0.0%
Residual / FX / buybacks / cross-term-50.5%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.