International Money Express Inc (IMXI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of International Money Express Inc stock $22.02, price $7.34, upside +200.0%, quality 55 out of 100. Rating: strongly undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $7.30 – $27.03 · fair‑value band $11.79 – $28.00 · the $7.34 price screens below the $22.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia.
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The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards.
It provides services through sending and paying agents and company-operated stores, as well as through online and internet-enabled mobile devices. The company was founded in 1994 and is headquartered in Miami, Florida.
Stock analysis
International Money Express Inc (IMXI) currently trades at $7.34, while our model-based Fair Value estimate is $22.02, implying the stock looks roughly 67% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $25.21 per share, and 22 of the 24 models we run sit above the $7.34 price.
Bear case: the Economic Profit group reads lowest at $12.54, and 2 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: $11.79 (bear) to $28.00 (bull), the price of $7.34 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
International Money Express Inc reported revenue of $608M in FY2025 versus $459M in FY2021, a compound +7.3%/yr. Reported net income was $32.7M in FY2025, compounding −8.6%/yr from FY2021.
Key figures
Market cap $226M Micro · P/E ratio 12.0 · P/S ratio 0.41 · EPS (TTM) $0.6100 · Net margin 3.4% · Return on equity 11.9% · Return on assets (EBIT) 17.3% (5-year average) · Operating margin 7.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 54% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 200%, IMXI screens cheaper than that median.
Fair Value models
Bear$11.79Fair Value $22.02Bull$28.00
Price $7.34 · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.5231 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus 13 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.64/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.2%
Start year 2020 (pandemic). Over 10 years: +17.2% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+8.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.2% vs 17.9%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 11%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +8.5% a year for the price.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare International Money Express Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside+200.0% · Top 25%
Profitability
Return on equity (12 months)11.9% · Above median
Return on assets6.3% · Above median
Net margin (12 months)3.4% · Below median
Operating margin (12 months)7.2% · Above median
Growth and dividend
Revenue growth (quarter YoY)−18.6% · Bottom 25%
Balance sheet
Debt / equity1.21× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)12.0× · Cheapest 25%
P/B1.40× · Cheaper than median
P/S (12 months)0.41× · Cheapest 25%
Price / free cash flow (fiscal year)14.3× · Cheaper than median
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Is International Money Express Inc (IMXI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $22.02 versus a price of $7.34, about +200% upside (undervalued).
What is the fair value of IMXI?
Our model-based fair value for International Money Express Inc is $22.02 (as of Nov 6, 2026), built from audited fundamentals. The current price: $7.34.
What is the quality score of IMXI?
International Money Express Inc has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for International Money Express Inc (IMXI)?
Our model-based price target is the fair value of $22.02 (as of Nov 6, 2026) from 24 valuation models. Cautious scenario $11.79, optimistic scenario $28.00. It is a calculation from audited fundamentals, not an analyst target.
What is the International Money Express Inc stock forecast for 2026?
Our models put fair value at $22.02, about +200% upside versus a price of $7.34 (undervalued). Cautious scenario $11.79, optimistic scenario $28.00. The calculation is refreshed regularly with new filings.
What is the revenue of International Money Express Inc (IMXI)?
International Money Express Inc reported trailing-twelve-month revenue of about $555M (latest available figure, as of Nov 6, 2026).
What growth is priced into International Money Express Inc (IMXI)?
For today's price to be fair in a discounted-cash-flow model, International Money Express Inc would have to grow free cash flow by +11.1 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.2 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of IMXI use?
Our models discount International Money Express Inc at 12.0 %: a base by market capitalisation (micro), damped by beta 0.78, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For International Money Express Inc that is +11.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has International Money Express Inc (IMXI) delivered so far?
Over the past 5 years revenue at International Money Express Inc grew +11.2 % a year. The price currently implies free-cash-flow growth of +11.1 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of International Money Express Inc (IMXI) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into International Money Express Inc (+11.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of International Money Express Inc (IMXI)?
The free-cash-flow yield on the price is 7.04 %: that much free cash flow International Money Express Inc produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of International Money Express Inc (IMXI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For International Money Express Inc it is $22.02 per share (as of Nov 6, 2026), against a price of $7.34. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is International Money Express Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, IMXI trades below its calculated fair value: price $7.34, fair value $22.02, a gap of about +200% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IMXI?
No. The price is what the market pays today ($7.34); the fair value is what the company's own numbers justify ($22.02). For International Money Express Inc the two are $14.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is International Money Express Inc worth?
The market values International Money Express Inc at about $226M (market capitalisation, as of Nov 6, 2026). Per share that is $7.34; our models calculate a fair value of $22.02 per share.
What do the bullish and bearish scenarios say about IMXI?
Our models span a range for International Money Express Inc: cautious scenario $11.79, base $22.02, optimistic $28.00 per share (as of Nov 6, 2026, price $7.34). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IMXI?
International Money Express Inc trades at a price-to-earnings ratio of 12.0 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.02 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 5.5 (reported for FY2025: 6.8). Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings, 6 of the years ex one-offs: 15.1. Other multiples: PEG 2.3, P/B 1.4, P/S 0.4, EV/EBITDA 3.7.
What is the PEG ratio of IMXI?
The PEG ratio of International Money Express Inc is 2.28 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of International Money Express Inc (IMXI)?
Balance-sheet figures for International Money Express Inc (as of Nov 6, 2026): return on equity 11.9%, debt of 1.21 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is IMXI from its 52-week high?
International Money Express Inc trades at $7.34, about 54% below its 52-week high of $15.94 and 1% above the low of $7.30 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.02 is for.
Which stocks are comparable to International Money Express Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is International Money Express Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $7.34, calculated fair value $22.02 (+200%), Quality Score 55/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IMXI calculated?
We run International Money Express Inc through 24 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $22.02 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. International Money Express Inc currently trades 67% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of International Money Express Inc (IMXI)?
The closing price on Nov 6, 2026 was $7.34. Our model-based fair value is $22.02, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with International Money Express Inc right now?
The price is below even our cautious bear case ($11.79). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($11.79 to $28.00) leaves room in how you read the outcome.
Where does the earnings growth of International Money Express Inc (IMXI) come from?
Earnings per share at International Money Express Inc grew +26.2 % a year from 2015 to 2025. Broken into its drivers: revenue per share +20.4 %, EBIT margin +0.5 %, tax rate +0.9 %, residual (interest, one-offs) +3.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of International Money Express Inc
How large is the market capitalisation of International Money Express Inc (IMXI)?
The market capitalisation of International Money Express Inc is $226M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of International Money Express Inc (IMXI)?
The price-to-sales ratio of International Money Express Inc is 0.41 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of International Money Express Inc (IMXI)?
Earnings per share at International Money Express Inc are $0.6100 (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of International Money Express Inc (IMXI)?
The net margin of International Money Express Inc is 3.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of International Money Express Inc (IMXI)?
The return on equity (ROE) of International Money Express Inc is 11.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of International Money Express Inc (IMXI)?
On an EBIT basis the return on assets of International Money Express Inc is 17.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of International Money Express Inc (IMXI)?
The operating margin of International Money Express Inc is 7.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at International Money Express Inc (IMXI)?
Revenue at International Money Express Inc is growing −18.6% versus a year earlier (3y avg +3.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at International Money Express Inc (IMXI)?
Earnings per share at International Money Express Inc are growing −62.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does International Money Express Inc (IMXI) carry?
The net debt of International Money Express Inc is $47.8M (fiscal year 2025, ≈ 3.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 6, 2026