International Money Express, Inc. (IMXI) Stock

International Money Express, Inc. (IMXI) is a Technology stock trading at $14.13 (as of 2026-08-21), with a market capitalization of $426.89M and a trailing P/E of 22.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

International Money Express, Inc. operates a money remittance business through sending and paying agents and company-operated stores, as well as via online and mobile channels. Its services include remittance and related financial processing, along with online payment options, prepaid debit cards, and direct deposit payroll cards for customers sending funds across the U.S., Latin America, Mexico, Africa, Central and South America, and the Caribbean.

Understand International Money Express, Inc.: how it makes money

International Money Express operates money remittance services, selling money transfer and related ancillary financial processing and payment services (including online payments, prepaid debit cards, and direct deposit payroll cards) through sending and paying agents and company-operated stores, as well as via online and mobile devices.

Profit is driven by transaction volume and the mix of digital versus cash and other payment methods, because each remittance and related payment pathway generates revenue, and digital penetration is a key lever for scaling transactions and associated economics.

Revenue by segment (latest quarter)
La Nacional	$0.0B
Digital	$0.0B
Other	$0.1B

Business quality (Weak): Data is directionally useful, but segment detail is limited to two named revenue candidates (La Nacional, Digital). The remaining revenue is treated as an unprovided remainder to reconcile to the latest quarter total.

Valuation: Trades at 17× trailing earnings · $0B market cap.

Bull case

Digital is an explicit revenue stream (Digital Revenue is separately tracked), which suggests management can influence growth through digital channels: Digital Revenue (0.01 USD_B) provides a direct operating signal alongside overall remittance activity.
Transaction scale is measurable and sizeable (Money Transfer Transactions): Money Transfer Transactions are tracked at 14,100,000, supporting the idea that unit economics matter more as volumes move.

Bear case

Digital penetration is not dominant, which can limit margin upside if digital methods are more efficient: Digital Transactions Penetration is 28.0 percent, implying a substantial share of activity remains outside the digital track.
Remittance is competitive, and reported market share metrics may reflect limited room for further gains: Market Share in Top Four Latin American Markets is 21.8 percent, and Market Share in the Top Five U.S. to Latin America Remittance Markets is 21.2 percent, highlighting competitive pressure in core corridors.
Earnings power is modest in the latest quarter: Operating margin is 3.0 percent for the period ended 2026-03-31.

Valuation — source: SEC EDGAR (first-party)
Price	$14.13
Market Cap	$426.89M
P/E Ratio	22.9
EV / EBITDA	7.3
Price / Book	2.52
Price / Sales	0.77
FCF Yield	2.1%
DCF Value (model)	$24.91
DCF Upside vs Price	76.3%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$607.78M
Net Margin	5.4%
Revenue Growth (YoY)	-18.6%
EPS Growth (YoY)	-62.2%
FCF Growth (YoY)	203.5%

Financial Health — source: SEC EDGAR
Altman Z-Score	3.52 (safe)

Valuation vs Sector & Industry
Stock P/E	22.9
Sector P/E (Technology)	33.9
Industry P/E (Business Services)	29.9
vs Sector	-32.3%
vs Industry	-23.2%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	METEORA CAPITAL, LLC ($1.83B)
Institutional Holders Tracked	10

Company
Sector	Technology
Industry	Business Services
CEO	Robert Lisy
Employees	1,101
Country	US
IPO Date	2017-03-27

Related Companies (Business model: IT Services / Consulting and Managed Services; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.