International Mny Express Inc Financials

IMXI

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows International Mny Express Inc (IMXI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 57/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

International Mny Express Inc has an operating margin of 14.4%, meaning the company retains $14 of operating profit per $100 of revenue. This strong profitability earns a score of 72/100, reflecting efficient cost management and pricing power. This is down from 14.5% the prior year.

Growth

International Mny Express Inc's revenue grew a modest -0.0% year-over-year to $658.6M. This slow but positive growth earns a score of 29/100.

Leverage

International Mny Express Inc carries a low D/E ratio of 1.16, meaning only $1.16 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 68/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

International Mny Express Inc's current ratio of 1.96 indicates adequate short-term liquidity, earning a score of 58/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

International Mny Express Inc's free cash flow margin of 3.5% results in a low score of 18/100. Capital expenditures of $30.0M absorb a large share of operating cash flow.

Returns

100

International Mny Express Inc earns a strong 43.6% return on equity (ROE), meaning it generates $44 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is up from 39.9% the prior year.

Altman Z-Score Safe

4.11

International Mny Express Inc scores 4.11, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Neutral

6/9

International Mny Express Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.90x

For every $1 of reported earnings, International Mny Express Inc generates $0.90 in operating cash flow ($53.1M OCF vs $58.8M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage Safe

8.1x

International Mny Express Inc earns $8.1 in operating income for every $1 of interest expense ($95.0M vs $11.7M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

Export CSV

Revenue

$658.6M

YoY-0.0%

5Y CAGR+15.6%

International Mny Express Inc generated $658.6M in revenue in fiscal year 2024. This represents a decrease of 0.0% from the prior year.

EBITDA

$108.7M

YoY+0.3%

5Y CAGR+17.2%

International Mny Express Inc's EBITDA was $108.7M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 0.3% from the prior year.

Free Cash Flow

$23.1M

YoY-82.3%

5Y CAGR-12.9%

International Mny Express Inc generated $23.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 82.3% from the prior year.

Net Income

$58.8M

YoY-1.2%

5Y CAGR+24.6%

International Mny Express Inc reported $58.8M in net income in fiscal year 2024. This represents a decrease of 1.2% from the prior year.

EPS (Diluted)

$1.79

YoY+9.8%

5Y CAGR+28.0%

International Mny Express Inc earned $1.79 per diluted share (EPS) in fiscal year 2024. This represents an increase of 9.8% from the prior year.

Cash & Debt

$130.5M

YoY-45.4%

5Y CAGR+8.7%

International Mny Express Inc held $130.5M in cash against $156.6M in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

31M

YoY-9.7%

5Y CAGR-4.3%

International Mny Express Inc had 31M shares outstanding in fiscal year 2024. This represents a decrease of 9.7% from the prior year.

Gross Margin

N/A

Operating Margin

14.4%

YoY-0.1pp

5Y CAGR+3.0pp

International Mny Express Inc's operating margin was 14.4% in fiscal year 2024, reflecting core business profitability. This is down 0.1 percentage points from the prior year.

Net Margin

8.9%

YoY-0.1pp

5Y CAGR+2.8pp

International Mny Express Inc's net profit margin was 8.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.1 percentage points from the prior year.

Return on Equity

43.6%

YoY+3.7pp

5Y CAGR+8.6pp

International Mny Express Inc's ROE was 43.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 3.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$75.1M

YoY+13.4%

International Mny Express Inc spent $75.1M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 13.4% from the prior year.

Capital Expenditures

$30.0M

YoY+134.3%

5Y CAGR+35.9%

International Mny Express Inc invested $30.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 134.3% from the prior year.

IMXI Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$658.6M0.0%	$658.7M+20.5%	$546.8M+19.1%	$459.2M+28.6%	$357.2M+11.8%	$319.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$95.0M-0.5%	$95.5M+15.2%	$82.9M+22.2%	$67.9M+28.3%	$52.9M+45.1%	$36.4M
Interest Expense	$11.7M+12.7%	$10.4M+85.2%	$5.6M+24.1%	$4.5M-30.9%	$6.6M-22.8%	$8.5M
Income Tax	$24.4M-4.3%	$25.5M+28.1%	$19.9M+21.1%	$16.5M+31.6%	$12.5M+50.4%	$8.3M
Net Income	$58.8M-1.2%	$59.5M+3.8%	$57.3M+22.4%	$46.8M+38.7%	$33.8M+72.3%	$19.6M
EPS (Diluted)	$1.79+9.8%	$1.63+10.1%	$1.48+23.3%	$1.20+36.4%	$0.88+69.2%	$0.52

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$154.9M-3.9%	$161.1M+11.7%	$144.3M-12.4%	$164.8M-3.9%	$171.5M+14.0%	$150.4M-12.4%	$171.8M-0.4%	$172.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$10.5M-45.9%	$19.5M+38.3%	$14.1M-43.0%	$24.7M+7.8%	$22.9M+16.9%	$19.6M-29.2%	$27.7M+14.0%	$24.3M
Interest Expense	$3.0M-3.6%	$3.1M+14.6%	$2.7M-1.7%	$2.7M-11.2%	$3.1M+14.5%	$2.7M-2.9%	$2.8M-0.7%	$2.8M
Income Tax	$2.6M-51.7%	$5.4M+48.7%	$3.6M-45.1%	$6.6M+13.7%	$5.8M+20.9%	$4.8M-35.2%	$7.4M+11.4%	$6.6M
Net Income	$5.0M-54.9%	$11.0M+41.7%	$7.8M-49.5%	$15.4M+9.6%	$14.0M+15.9%	$12.1M-30.8%	$17.5M+18.0%	$14.8M
EPS (Diluted)	$0.17-54.1%	$0.37+48.0%	$0.25-49.0%	$0.49+16.7%	$0.42+20.0%	$0.35-28.6%	$0.49+19.5%	$0.41

IMXI Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$462.4M-19.8%	$576.8M+12.6%	$512.1M+50.4%	$340.5M+31.2%	$259.5M+14.2%	$227.3M
Current Assets	$297.8M-31.2%	$432.9M+13.2%	$382.4M+45.1%	$263.5M+41.1%	$186.7M+26.0%	$148.2M
Cash & Equivalents	$130.5M-45.4%	$239.2M+60.0%	$149.5M+12.8%	$132.5M+76.9%	$74.9M-13.0%	$86.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$107.1M-31.0%	$155.2M+19.6%	$129.8M+92.8%	$67.3M+22.4%	$55.0M+38.4%	$39.8M
Goodwill	$55.2M+2.2%	$54.0M+8.5%	$49.8M+37.3%	$36.3M0.0%	$36.3M0.0%	$36.3M
Total Liabilities	$327.5M-23.5%	$427.8M+18.1%	$362.2M+83.4%	$197.5M+19.5%	$165.2M-3.6%	$171.3M
Current Liabilities	$152.0M-32.0%	$223.4M+20.9%	$184.8M+58.1%	$116.9M+39.2%	$83.9M+0.3%	$83.7M
Long-Term Debt	$156.6M-13.5%	$181.1M+20.5%	$150.2M+89.7%	$79.2M-1.7%	$80.6M-8.0%	$87.6M
Total Equity	$134.9M-9.5%	$149.0M-0.6%	$149.9M+4.8%	$143.0M+51.7%	$94.3M+68.4%	$56.0M
Retained Earnings	$257.5M+29.6%	$198.6M+42.8%	$139.1M+70.1%	$81.8M+134.0%	$35.0M+2872.8%	$1.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$478.7M-7.6%	$518.0M+5.6%	$490.6M+6.1%	$462.4M-24.5%	$612.4M+11.6%	$548.7M-4.9%	$576.8M-6.9%	$619.6M
Current Assets	$311.2M-11.4%	$351.2M+7.7%	$325.9M+9.5%	$297.8M-35.6%	$462.7M+15.2%	$401.8M-7.2%	$432.9M-10.3%	$482.3M
Cash & Equivalents	$151.6M-13.2%	$174.7M+15.1%	$151.8M+16.3%	$130.5M-44.0%	$233.2M+6.6%	$218.8M-8.5%	$239.2M+7.5%	$222.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$119.2M-15.8%	$141.7M+8.1%	$131.0M+22.4%	$107.1M-46.3%	$199.5M+33.9%	$149.1M-4.0%	$155.2M-4.8%	$163.0M
Goodwill	$55.2M0.0%	$55.2M0.0%	$55.2M0.0%	$55.2M+2.2%	$54.0M0.0%	$54.0M0.0%	$54.0M+0.3%	$53.8M
Total Liabilities	$329.0M-12.4%	$375.8M+6.9%	$351.3M+7.3%	$327.5M-30.3%	$470.0M+14.5%	$410.5M-4.0%	$427.8M-7.4%	$462.0M
Current Liabilities	$153.5M-28.8%	$215.5M+15.6%	$186.5M+22.7%	$152.0M-38.3%	$246.4M+3.3%	$238.6M+6.8%	$223.4M-8.5%	$244.0M
Long-Term Debt	$157.9M+9.6%	$144.1M-2.2%	$147.4M-5.9%	$156.6M-22.8%	$202.9M+34.8%	$150.5M-16.9%	$181.1M-6.2%	$193.1M
Total Equity	$149.7M+5.2%	$142.3M+2.2%	$139.2M+3.2%	$134.9M-5.3%	$142.4M+3.0%	$138.2M-7.3%	$149.0M-5.5%	$157.6M
Retained Earnings	$281.2M+1.8%	$276.2M+4.1%	$265.2M+3.0%	$257.5M+14.5%	$224.8M+6.7%	$210.8M+6.1%	$198.6M+9.7%	$181.2M

IMXI Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$53.1M-63.0%	$143.5M+845.9%	$15.2M-80.6%	$78.1M+8974.8%	-$880K-101.7%	$52.5M
Capital Expenditures	$30.0M+134.3%	$12.8M+5.2%	$12.2M+15.0%	$10.6M+160.7%	$4.1M-37.2%	$6.5M
Free Cash Flow	$23.1M-82.3%	$130.7M+4255.9%	$3.0M-95.6%	$67.5M+1466.0%	-$4.9M-110.7%	$46.1M
Investing Cash Flow	-$43.9M-140.4%	-$18.3M-45.9%	-$12.5M-16.3%	-$10.8M-165.2%	-$4.1M+39.5%	-$6.7M
Financing Cash Flow	-$114.2M-207.7%	-$37.1M-364.0%	$14.1M+246.2%	-$9.6M-56.1%	-$6.2M+81.3%	-$32.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	$0
Share Buybacks	$75.1M+13.4%	$66.3M+23.3%	$53.7M+865.4%	$5.6M	$0	$0

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	-$28.7M-171.9%	$39.9M-3.3%	$41.3M+945.4%	-$4.9M+75.0%	-$19.6M-140.6%	$48.2M-21.0%	$61.1M-25.9%	$82.4M
Capital Expenditures	$6.9M+50.3%	$4.6M-13.4%	$5.3M+34.0%	$3.9M-41.0%	$6.7M-50.5%	$13.5M+164.7%	$5.1M+61.1%	$3.2M
Free Cash Flow	-$35.5M-200.6%	$35.3M-1.9%	$36.0M+508.2%	-$8.8M+66.4%	-$26.2M-175.5%	$34.8M-37.9%	$56.0M-29.4%	$79.3M
Investing Cash Flow	-$7.5M-58.3%	-$4.7M+11.2%	-$5.3M+67.0%	-$16.1M-141.2%	-$6.7M+50.5%	-$13.5M-164.7%	-$5.1M-61.1%	-$3.2M
Financing Cash Flow	$13.6M+193.2%	-$14.6M+3.5%	-$15.1M-409.9%	-$3.0M-107.2%	$41.0M+174.5%	-$55.1M-37.8%	-$39.9M-974.1%	-$3.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0-100.0%	$11.4M+127.9%	$5.0M-75.3%	$20.2M+80.3%	$11.2M-52.2%	$23.4M-8.7%	$25.6M+153.7%	$10.1M

IMXI Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	14.4%-0.1pp	14.5%-0.7pp	15.2%+0.4pp	14.8%-0.0pp	14.8%+3.4pp	11.4%
Net Margin	8.9%-0.1pp	9.0%-1.4pp	10.5%+0.3pp	10.2%+0.7pp	9.5%+3.3pp	6.1%
Return on Equity	43.6%+3.7pp	39.9%+1.7pp	38.2%+5.5pp	32.8%-3.1pp	35.8%+0.8pp	35.0%
Return on Assets	12.7%+2.4pp	10.3%-0.9pp	11.2%-2.6pp	13.8%+0.7pp	13.0%+4.4pp	8.6%
Current Ratio	1.96+0.0	1.94-0.1	2.07-0.2	2.26+0.0	2.22+0.5	1.77
Debt-to-Equity	1.16-0.1	1.22+0.2	1.00+0.4	0.55-0.3	0.85-0.7	1.57
FCF Margin	3.5%-16.3pp	19.8%+19.3pp	0.5%-14.1pp	14.7%+16.1pp	-1.4%-15.8pp	14.4%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	6.8%-5.3pp	12.1%+2.3pp	9.8%-5.2pp	15.0%+1.6pp	13.4%+0.3pp	13.0%-3.1pp	16.1%+2.0pp	14.1%
Net Margin	3.2%-3.6pp	6.8%+1.4pp	5.4%-4.0pp	9.3%+1.2pp	8.2%+0.1pp	8.1%-2.1pp	10.2%+1.6pp	8.6%
Return on Equity	3.3%-4.4pp	7.7%+2.2pp	5.6%-5.8pp	11.4%+1.6pp	9.8%+1.1pp	8.8%-3.0pp	11.7%+2.3pp	9.4%
Return on Assets	1.0%-1.1pp	2.1%+0.5pp	1.6%-1.8pp	3.3%+1.0pp	2.3%+0.1pp	2.2%-0.8pp	3.0%+0.6pp	2.4%
Current Ratio	2.03+0.4	1.63-0.1	1.75-0.2	1.96+0.1	1.88+0.2	1.68-0.3	1.94-0.0	1.98
Debt-to-Equity	1.06+0.0	1.01-0.0	1.06-0.1	1.16-0.3	1.43+0.3	1.09-0.1	1.22-0.0	1.23
FCF Margin	-22.9%-44.9pp	21.9%-3.0pp	24.9%+30.3pp	-5.3%+10.0pp	-15.3%-38.4pp	23.1%-9.5pp	32.6%-13.4pp	46.0%

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Frequently Asked Questions

What is International Mny Express Inc's annual revenue?

International Mny Express Inc (IMXI) reported $658.6M in total revenue for fiscal year 2024. This represents a -0.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is International Mny Express Inc's revenue growing?

International Mny Express Inc (IMXI) revenue grew by 0% year-over-year, from $658.7M to $658.6M in fiscal year 2024.

Is International Mny Express Inc profitable?

Yes, International Mny Express Inc (IMXI) reported a net income of $58.8M in fiscal year 2024, with a net profit margin of 8.9%.

What is International Mny Express Inc's earnings per share (EPS)?

International Mny Express Inc (IMXI) reported diluted earnings per share of $1.79 for fiscal year 2024. This represents a 9.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is International Mny Express Inc's EBITDA?

International Mny Express Inc (IMXI) had EBITDA of $108.7M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does International Mny Express Inc have?

As of fiscal year 2024, International Mny Express Inc (IMXI) had $130.5M in cash and equivalents against $156.6M in long-term debt.

What is International Mny Express Inc's operating margin?

International Mny Express Inc (IMXI) had an operating margin of 14.4% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is International Mny Express Inc's net profit margin?

International Mny Express Inc (IMXI) had a net profit margin of 8.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is International Mny Express Inc's return on equity (ROE)?

International Mny Express Inc (IMXI) has a return on equity of 43.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is International Mny Express Inc's free cash flow?

International Mny Express Inc (IMXI) generated $23.1M in free cash flow during fiscal year 2024. This represents a -82.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is International Mny Express Inc's operating cash flow?

International Mny Express Inc (IMXI) generated $53.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are International Mny Express Inc's total assets?

International Mny Express Inc (IMXI) had $462.4M in total assets as of fiscal year 2024, including both current and long-term assets.

What are International Mny Express Inc's capital expenditures?

International Mny Express Inc (IMXI) invested $30.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does International Mny Express Inc buy back shares?

Yes, International Mny Express Inc (IMXI) spent $75.1M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does International Mny Express Inc have outstanding?

International Mny Express Inc (IMXI) had 31M shares outstanding as of fiscal year 2024.

What is International Mny Express Inc's current ratio?

International Mny Express Inc (IMXI) had a current ratio of 1.96 as of fiscal year 2024, which is generally considered healthy.

What is International Mny Express Inc's debt-to-equity ratio?

International Mny Express Inc (IMXI) had a debt-to-equity ratio of 1.16 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is International Mny Express Inc's return on assets (ROA)?

International Mny Express Inc (IMXI) had a return on assets of 12.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is International Mny Express Inc's Altman Z-Score?

International Mny Express Inc (IMXI) has an Altman Z-Score of 4.11, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is International Mny Express Inc's Piotroski F-Score?

International Mny Express Inc (IMXI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are International Mny Express Inc's earnings high quality?

International Mny Express Inc (IMXI) has an earnings quality ratio of 0.90x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can International Mny Express Inc cover its interest payments?

International Mny Express Inc (IMXI) has an interest coverage ratio of 8.1x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is International Mny Express Inc?

International Mny Express Inc (IMXI) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.