International Mny Express Inc (IMXI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the IMXI SEC filings page.
International Mny Express Inc (IMXI) reported $555.4M in revenue over the twelve months to Jun 30, 2026, down 13.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 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).
The 2025 downturn exposed operating deleverage: weaker revenue reached profit disproportionately while leverage stayed elevated.
FY2025's7.7% revenue contraction coincided with operating margin dropping to9.2% , showing the cost base did not flex with volume and that the earnings decline was operational, not merely a revenue effect. Meanwhile, cash conversion was volatile: FY2023 free cash flow reached$130.7M but fell to$23.1M in FY2024, making one year's cash result a poor proxy for the underlying earnings stream.
In FY2025, operating cash flow exceeded net income at
The balance sheet became more liquid short term—the current ratio reached 2.5x—yet debt-to-equity remained 1.2x, so improved current coverage did not mean a less leveraged structure. Assets rose to
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of International Mny Express Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
International Mny Express Inc has an operating margin of 9.2%, meaning the company retains $9 of operating profit per $100 of revenue. This strong profitability earns a score of 75/100, reflecting efficient cost management and pricing power. This is down from 14.4% the prior year.
International Mny Express Inc's revenue declined 7.7% year-over-year, from $658.6M to $607.8M. This contraction results in a growth score of 19/100.
International Mny Express Inc carries a low D/E ratio of 1.21, meaning only $1.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 67/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 2.51, International Mny Express Inc holds $2.51 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 71/100.
International Mny Express Inc has a free cash flow margin of 2.6%, earning a moderate score of 51/100. The company generates positive cash flow after capital investments, but with room for improvement.
International Mny Express Inc earns a strong 20.3% return on equity (ROE), meaning it generates $20 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 86/100. This is down from 43.6% the prior year.
International Mny Express Inc scores 3.52, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
International Mny Express Inc passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, International Mny Express Inc generates $1.13 in operating cash flow ($36.9M OCF vs $32.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
International Mny Express Inc earns $4.70 in operating income for every $1 of interest expense ($55.6M vs $11.8M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
International Mny Express Inc generated $131.2M in revenue in Q2 2026. This represents a decrease of 18.6% from the same quarter a year earlier. Against the prior quarter it is up 7.6%.
International Mny Express Inc's EBITDA was $13.5M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 43.4% from the same quarter a year earlier. Against the prior quarter it is up 62.0%.
International Mny Express Inc reported $4.2M in net income in Q2 2026. This represents a decrease of 61.8% from the same quarter a year earlier. Against the prior quarter it is up 722.9%.
International Mny Express Inc earned $0.14 per diluted share (EPS) in Q2 2026. This represents a decrease of 62.2% from the same quarter a year earlier. Against the prior quarter it is up 600.0%.
Cash & Balance Sheet
International Mny Express Inc generated $107.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 203.5% from the same quarter a year earlier. Against the prior quarter it is up 350.2%.
International Mny Express Inc held $150.6M in cash against $113.8M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
International Mny Express Inc's operating margin was 6.7% in Q2 2026, reflecting core business profitability. This is down 5.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.7 percentage points.
International Mny Express Inc's net profit margin was 3.2% in Q2 2026, showing the share of revenue converted to profit. This is down 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.8 percentage points.
International Mny Express Inc's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 5.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.
Not reported for Q2 2026.
Capital Allocation
International Mny Express Inc repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier.
International Mny Express Inc invested $5.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 20.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
IMXI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $131.2M-18.6% | $122.0M-15.5% | $147.4M-10.5% | $154.9M-9.9% | $161.1M-6.1% | $144.3M-4.1% | $164.8M-4.1% | $171.9M-0.3% |
| SG&A Expenses | $17.4M-6.2% | $18.9M+3.3% | $18.5M+15.7% | $19.7M+14.3% | $18.5M+9.7% | $18.3M+1.0% | $16.0M-14.0% | $17.2M-3.1% |
| Operating Income | $8.8M-55.0% | $3.7M-73.9% | $11.6M-53.1% | $10.5M-62.1% | $19.5M-15.0% | $14.1M-28.1% | $24.7M-10.7% | $27.8M+14.7% |
| EBITDA | $13.5M-43.4% | $8.4M-52.8% | $16.2M-42.7% | $14.9M-52.1% | $23.9M-9.0% | $17.7M-22.4% | $28.4M-8.5% | $31.2M+12.6% |
| Interest Expense | $2.3M-25.0% | $2.2M-18.2% | $3.1M+11.4% | $3.0M-6.8% | $3.1M-0.1% | $2.7M-0.1% | $2.7M-1.2% | $3.2M+14.2% |
| Income Tax | $2.2M-58.5% | $955K-73.5% | $2.9M-56.3% | $2.6M-64.6% | $5.4M-7.2% | $3.6M-24.5% | $6.6M-11.0% | $7.3M+10.7% |
| Net Income | $4.2M-61.8% | $511K-93.4% | $8.9M-41.9% | $5.0M-71.3% | $11.0M-21.6% | $7.8M-35.8% | $15.4M-12.1% | $17.3M+16.6% |
| EPS (Basic) | $0.14-62.2% | $0.02-92.0% | $0.30-38.8% | $0.17-67.9% | $0.37-14.0% | $0.25-30.6% | $0.49-2.0% | $0.53+26.2% |
| EPS (Diluted) | $0.14-62.2% | $0.02-92.0% | $0.29-40.8% | $0.17-67.9% | $0.37-11.9% | $0.25-28.6% | $0.490.0% | $0.53+29.3% |
| Diluted Shares (Avg) | 31M+2.3% | 30M-1.5% | N/A | 30M-8.9% | 30M-9.6% | 31M-9.8% | N/A | 33M-9.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
IMXI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $449.6M-13.2% | $565.9M+15.4% | $517.7M+12.0% | $478.7M-0.5% | $518.0M-15.4% | $490.6M-10.6% | $462.4M-19.8% | $480.9M-22.4% |
| Current Assets | $285.7M-18.6% | $402.4M+23.5% | $353.2M+18.6% | $311.2M-4.5% | $351.2M-24.1% | $325.9M-18.9% | $297.8M-31.2% | $325.8M-32.4% |
| Cash & Equivalents | $150.6M-13.8% | $170.3M+12.2% | $168.7M+29.3% | $151.6M-3.2% | $174.7M-25.1% | $151.8M-30.6% | $130.5M-45.4% | $156.6M-29.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $99.7M-29.6% | $106.3M-18.9% | $105.4M-1.6% | $119.2M-5.6% | $141.7M-29.0% | $131.0M-12.1% | $107.1M-31.0% | $126.3M-22.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $54.0M-2.2% | $54.0M-2.2% | $54.0M-2.2% | $55.2M0.0% | $55.2M+2.2% | $55.2M+2.2% | $55.2M+2.2% | $55.2M+2.6% |
| Total Liabilities | $280.1M-25.5% | $403.3M+14.8% | $356.6M+8.9% | $329.0M-3.0% | $375.8M-20.0% | $351.3M-14.4% | $327.5M-23.5% | $339.1M-26.6% |
| Current Liabilities | $145.8M-32.3% | $141.8M-23.9% | $141.0M-7.3% | $153.5M-15.1% | $215.5M-12.5% | $186.5M-21.9% | $152.0M-32.0% | $180.9M-25.9% |
| Non-Current Liabilities | $134.3M-16.2% | $261.4M+58.6% | $215.7M+22.9% | $175.5M+11.0% | $160.3M-28.3% | $164.9M-4.1% | $175.5M-14.2% | $158.2M-27.4% |
| Long-Term Debt | $113.8M-21.0% | $240.8M+63.4% | $194.8M+24.4% | $157.9M+14.3% | $144.1M-29.0% | $147.4M-2.1% | $156.6M-13.5% | $138.2M-28.4% |
| Total Equity | $169.6M+19.2% | $162.7M+16.8% | $161.1M+19.4% | $149.7M+5.5% | $142.3M-0.1% | $139.2M+0.7% | $134.9M-9.5% | $141.8M-10.0% |
| Retained Earnings | $294.9M+6.7% | $290.7M+9.6% | $290.1M+12.7% | $281.2M+16.2% | $276.2M+22.9% | $265.2M+25.9% | $257.5M+29.6% | $242.1M+33.6% |
Not reported in any period shown, so not listed: Inventory.
IMXI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $112.7M+182.5% | -$37.4M-190.5% | -$15.6M-219.9% | -$28.7M-197.9% | $39.9M+303.9% | $41.3M-14.4% | -$4.9M-108.0% | $29.3M-64.5% |
| Depreciation & Amortization | $4.8M+7.6% | $4.7M+29.1% | $4.7M+27.4% | $4.4M+30.4% | $4.5M+32.1% | $3.6M+12.4% | $3.7M+9.2% | $3.4M-2.6% |
| Stock-Based Compensation | N/A | $2.5M+19.6% | N/A | N/A | N/A | $2.1M-1.9% | N/A | N/A |
| Capital Expenditures | $5.5M+20.2% | $5.5M+4.1% | $4.4M+10.8% | $6.9M+16.2% | $4.6M-31.5% | $5.3M-60.9% | $3.9M-22.7% | $5.9M+87.0% |
| Free Cash Flow | $107.2M+203.5% | -$42.9M-219.0% | -$20.0M-126.6% | -$35.5M-251.9% | $35.3M+234.6% | $36.0M+3.6% | -$8.8M-115.8% | $23.4M-70.5% |
| Investing Cash Flow | -$5.5M-16.4% | -$5.5M-3.4% | -$4.6M+71.6% | -$7.5M+3.1% | -$4.7M+29.2% | -$5.3M+60.6% | -$16.1M-215.9% | -$7.7M-144.0% |
| Financing Cash Flow | -$127.0M-768.7% | $45.1M+397.5% | $36.9M+1343.5% | $13.6M+114.0% | -$14.6M-135.7% | -$15.1M+72.5% | -$3.0M+92.6% | -$97.2M-2512.7% |
| Share Buybacks | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% | $11.4M+1.4% | $5.0M-78.7% | $20.2M-21.3% | $20.3M+101.0% |
Not reported in any period shown, so not listed: Dividends Paid.
IMXI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 6.7%-5.4pp | 3.0%-6.7pp | 7.8%-7.1pp | 6.8%-9.4pp | 12.1%-1.3pp | 9.8%-3.3pp | 15.0%-1.1pp | 16.2%+2.1pp |
| Net Margin | 3.2%-3.6pp | 0.4%-5.0pp | 6.1%-3.3pp | 3.2%-6.9pp | 6.8%-1.3pp | 5.4%-2.7pp | 9.3%-0.9pp | 10.1%+1.5pp |
| Return on Equity | 2.5%-5.3pp | 0.3%-5.3pp | 5.5%-5.9pp | 3.3%-8.9pp | 7.7%-2.1pp | 5.6%-3.2pp | 11.4%-0.3pp | 12.2%+2.8pp |
| Return on Assets | 0.9%-1.2pp | 0.1%-1.5pp | 1.7%-1.6pp | 1.0%-2.6pp | 2.1%-0.2pp | 1.6%-0.6pp | 3.3%+0.3pp | 3.6%+1.2pp |
| Current Ratio | 1.96+0.3x | 2.84+1.1x | 2.51+0.5x | 2.03+0.2x | 1.63-0.2x | 1.75+0.1x | 1.960.0x | 1.80-0.2x |
| Debt-to-Equity | 0.67-0.3x | 1.48+0.4x | 1.210.0x | 1.06+0.1x | 1.01-0.4x | 1.060.0x | 1.16-0.1x | 0.97-0.3x |
| Asset Turnover | 0.290.0x | 0.22-0.1x | 0.28-0.1x | 0.320.0x | 0.310.0x | 0.290.0x | 0.36+0.1x | 0.36+0.1x |
| FCF Margin | 81.8%+59.8pp | -35.1%-60.1pp | -13.6%-8.2pp | -22.9%-36.5pp | 21.9%+37.2pp | 24.9%+1.8pp | -5.3%-38.0pp | 13.6%-32.4pp |
Not reported in any period shown, so not listed: Gross Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| International Mny Express Inc IMXI | FY2025 | $607.8M | $32.7M | 5.4% | $425.1M | 62/100 |
| Allot Ltd ALLT | FY2025 | $102.0M | $3.7M | 3.6% | $367.9M | 65/100 |
| Xunlei Ltd XNET | FY2025 | $460.4M | $1.0B | N/A | $310.4M | 55/100 |
| Arqit Quantum Inc ARQQ | FY2024 | $293K | -$54.6M | N/A | $376.6M | — |
| Bandwidth Inc BAND | FY2025 | $753.8M | -$12.9M | -1.7% | $1.6B | 33/100 |
| Gorilla Technology Group GRRR | FY2025 | $101.4M | -$11.3M | -11.1% | $395.0M | 49/100 |
Where International Mny Express Inc Ranks
Frequently Asked Questions
What is International Mny Express Inc's annual revenue?
International Mny Express Inc (IMXI) reported $607.8M in total revenue for fiscal year 2025. This represents a -7.7% 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 declined by 7.7% year-over-year, from $658.6M to $607.8M in fiscal year 2025.
Is International Mny Express Inc profitable?
Yes, International Mny Express Inc (IMXI) reported a net income of $32.7M in fiscal year 2025, with a net profit margin of 5.4%.
What is International Mny Express Inc's EBITDA?
International Mny Express Inc (IMXI) had EBITDA of $72.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does International Mny Express Inc have?
As of fiscal year 2025, International Mny Express Inc (IMXI) had $168.7M in cash and equivalents against $194.8M in long-term debt.
What is International Mny Express Inc's operating margin?
International Mny Express Inc (IMXI) had an operating margin of 9.2% in fiscal year 2025, 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 5.4% in fiscal year 2025, 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 20.3% for fiscal year 2025, 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 $15.8M in free cash flow during fiscal year 2025. This represents a -31.5% 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 $36.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are International Mny Express Inc's total assets?
International Mny Express Inc (IMXI) had $517.7M in total assets as of fiscal year 2025, including both current and long-term assets.
What are International Mny Express Inc's capital expenditures?
International Mny Express Inc (IMXI) invested $21.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is International Mny Express Inc's current ratio?
International Mny Express Inc (IMXI) had a current ratio of 2.51 as of fiscal year 2025, 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 1.21 as of fiscal year 2025, 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 6.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is International Mny Express Inc's P/E ratio?
International Mny Express Inc (IMXI) trades at 22.8x earnings, its market capitalization divided by net income of $18.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $425.1M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is International Mny Express Inc's price-to-sales ratio?
International Mny Express Inc (IMXI) trades at 0.8x sales, its market capitalization divided by revenue of $555.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $425.1M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is International Mny Express Inc's Altman Z-Score?
International Mny Express Inc (IMXI) has an Altman Z-Score of 3.52, 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 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.13x, considered cash-backed (high 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 4.70x, meaning it can adequately 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 62 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.