IMXI

MKT CAP:$480M

International Money Express, Inc.

Market Cap

$480M

Technology·Software - Infrastructure·🇺🇸 United States·NASDAQ

Technology·Software Infra·🇺🇸·NASDAQ

Stock Price

$15.89+$0.55 (+3.59%)

Apr 22, 2026

Company Details

International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. The company offers remittance serv...

CEO

Robert Lisy

IPO Date

Mar 27, 2017

Website

www.intermexonline.com

Key Metrics TTM

Revenue

$521M

-21.0% YoY

Net Income

$33M

EPS (Diluted)

$1.09

Free Cash Flow

$123M

Revenue / Share

$17.25

Gross Margin

7.6%

Operating Margin

-3.8%

Net Margin

6.3%

FCF Margin

23.6%

P/S

0.9x

P/E

14.7x

Earnings Reports

Q1 2026

May 6, 2026

PENDING

FY 2025

Mar 6, 2026

$521M-21.0%EPS $1.08

Q4 2025

Mar 6, 2026

$60M-63.4%EPS $0.30

Q3 2025

Nov 10, 2025

$155M-9.9%EPS $0.17

Q2 2025

Aug 11, 2025

$161M-6.1%EPS $0.37

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$115M	$38M	$17M
Q2 22	$137M	$45M	$23M
Q3 22	$141M	$47M	$21M
Q4 22	$154M	$52M	$22M
Q1 23	$145M	$49M	$19M
Q2 23	$169M	$58M	$25M
Q3 23	$172M	$60M	$24M
Q4 23	$172M	$42M	$28M
Q1 24	$150M	$34M	$20M
Q2 24	$172M	$58M	$23M
Q3 24	$172M	$155M	$28M
Q4 24	$165M	$52M	$25M
Q1 25	$144M	$32M	$14M
Q2 25	$161M	$59M	$19M
Q3 25	$155M	$56M	$11M
Q4 25	$60M	-$108M	-$64M

Valuation

Quarter	P/S	P/E
Q1 22	1.7x	16.6x
Q2 22	1.6x	15.0x
Q3 22	1.7x	15.2x
Q4 22	1.5x	14.5x
Q1 23	1.6x	15.9x
Q2 23	1.4x	15.5x
Q3 23	0.9x	10.7x
Q4 23	1.1x	12.2x
Q1 24	1.1x	12.3x
Q2 24	1.0x	11.2x
Q3 24	0.9x	9.4x
Q4 24	1.0x	10.9x
Q1 25	0.6x	7.2x
Q2 25	0.5x	6.0x
Q3 25	0.7x	10.8x
Q4 25	0.9x	13.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$33M	$29M
Q2 22	-$29M	-$31M
Q3 22	-$14M	-$17M
Q4 22	$25M	$22M
Q1 23	$1M	-$961.0K
Q2 23	-$1M	-$4M
Q3 23	$82M	$79M
Q4 23	$61M	$56M
Q1 24	$48M	$35M
Q2 24	-$20M	-$26M
Q3 24	$29M	$23M
Q4 24	-$5M	-$9M
Q1 25	$41M	$36M
Q2 25	$40M	$35M
Q3 25	-$29M	-$36M
Q4 25	$107M	$87M

Capital Expenditures

Quarter	CapEx
Q1 22	$4M
Q2 22	$2M
Q3 22	$3M
Q4 22	$3M
Q1 23	$2M
Q2 23	$2M
Q3 23	$3M
Q4 23	$5M
Q1 24	$13M
Q2 24	$7M
Q3 24	$6M
Q4 24	$4M
Q1 25	$5M
Q2 25	$5M
Q3 25	$7M
Q4 25	$20M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+21.2%	+20.3%
Q2 22	+17.3%	+16.7%
Q3 22	+16.6%	+14.7%
Q4 22	+21.4%	+22.5%
Q1 23	+26.8%	+29.7%
Q2 23	+23.5%	+27.0%
Q3 23	+22.5%	+23.5%
Q4 23	+11.2%	+8.7%
Q1 24	+3.5%	+3.4%
Q2 24	+1.4%	+2.9%
Q3 24	-0.3%	-2.7%
Q4 24	-4.1%	-2.8%
Q1 25	-4.1%	-0.5%
Q2 25	-6.1%	-4.7%
Q3 25	-9.9%	+0.2%
Q4 25	-63.4%	-11.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$1M	1.1%
Q2 22	$2M	1.2%
Q3 22	$3M	1.9%
Q4 22	$2M	1.0%
Q1 23	$2M	1.2%
Q2 23	$2M	1.3%
Q3 23	$2M	1.3%
Q4 23	$2M	1.1%
Q1 24	$2M	1.4%
Q2 24	$2M	1.4%
Q3 24	$2M	1.3%
Q4 24	$186.0K	0.1%
Q1 25	$2M	1.5%
Q2 25	$2M	1.3%
Q3 25	$3M	1.8%
Q4 25	$2M	3.8%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$18M	—
Q2 22	$19M	—
Q3 22	$24M	—
Q4 22	$25M	—
Q1 23	$28M	—
Q2 23	$30M	—
Q3 23	$31M	—
Q4 23	$11M	—
Q1 24	$10M	—
Q2 24	$27M	—
Q3 24	$29M	—
Q4 24	$20M	$1M
Q1 25	$11M	—
Q2 25	$31M	—
Q3 25	$34M	—

Rule of 40

Quarter	Rev Growth %	EBITDA Margin %	Rule of 40
Q1 22	21.2%	16.8%	38.1
Q2 22	17.3%	18.6%	35.9
Q3 22	16.6%	16.4%	33.0
Q4 22	21.4%	15.9%	37.4
Q1 23	26.8%	15.0%	41.7
Q2 23	23.5%	16.5%	40.0
Q3 23	22.5%	16.1%	38.6
Q4 23	11.2%	18.1%	29.3
Q1 24	3.5%	15.2%	18.6
Q2 24	1.4%	15.3%	16.7
Q3 24	-0.3%	18.1%	17.9
Q4 24	-4.1%	19.2%	15.1
Q1 25	-4.1%	12.3%	8.2
Q2 25	-6.1%	14.8%	8.8
Q3 25	-9.9%	9.6%	-0.3
Q4 25	-63.4%	-98.6%	-162.0

Rule of 40

Revenue Segments

Quarter	Financial Service, Other	Foreign Exchange Gain	Wire Transfer and Money Order	Wire Transfer And Money Order
Q1 22	$992.0K	$16M	$98M	—
Q2 22	$1M	$18M	$118M	—
Q3 22	$1M	$19M	$121M	—
Q4 22	$1M	$20M	$133M	—
Q1 23	$2M	$19M	$124M	—
Q2 23	$2M	$22M	$145M	—
Q3 23	$2M	$23M	$147M	—
Q4 23	$3M	$24M	$145M	—
Q1 24	$3M	$20M	$127M	—
Q2 24	$3M	$23M	$146M	—
Q3 24	$3M	$24M	$145M	—
Q1 25	$4M	$20M	$120M	—
Q2 25	$4M	$24M	—	$133M
Q3 25	$5M	$22M	—	$128M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$157M	$0	$157M
Q2 22	$115M	$0	$115M
Q3 22	$105M	$0	$105M
Q4 22	$149M	$0	$149M
Q1 23	$85M	$0	$85M
Q2 23	$147M	$0	$147M
Q3 23	$222M	$0	$222M
Q4 23	$239M	$0	$239M
Q1 24	$219M	$0	$219M
Q2 24	$233M	$0	$233M
Q3 24	$157M	$0	$157M
Q4 24	$131M	$0	$131M
Q1 25	$152M	$0	$152M
Q2 25	$175M	$0	$175M
Q3 25	$152M	$0	$152M
Q4 25	$169M	$0	$169M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	39M	-0.4%	+0.6%
Q2 22	39M	+0.4%	+0.5%
Q3 22	38M	-2.0%	-2.3%
Q4 22	38M	-1.7%	-3.7%
Q1 23	37M	-1.1%	-4.4%
Q2 23	37M	-1.3%	-6.0%
Q3 23	36M	-2.1%	-6.1%
Q4 23	35M	-1.8%	-6.3%
Q1 24	34M	-3.5%	-8.5%
Q2 24	33M	-3.2%	-10.3%
Q3 24	33M	-1.1%	-9.3%
Q4 24	31M	-4.1%	-11.3%
Q1 25	31M	-1.8%	-9.8%
Q2 25	30M	-3.0%	-9.6%
Q3 25	30M	-0.3%	-8.9%
Q4 25	30M	+1.2%	-3.9%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$376.0K	305
Q2 22	$449.0K	305
Q3 22	$461.5K	305
Q4 22	$270.5K	571
Q1 23	$254.6K	571
Q2 23	$296.2K	571
Q3 23	$302.0K	571
Q4 23	$321.7K	534
Q1 24	$281.7K	534
Q2 24	$321.2K	534
Q3 24	$322.0K	534
Q4 24	$315.0K	523
Q1 25	$275.9K	523
Q2 25	$308.1K	523
Q3 25	$296.2K	523
Q4 25	$113.5K	531

Revenue / Employee