Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
International Money Express Inc(IMXI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for IMXI
09/28/2026: IMXI (1-star) is currently NOT-A-BUY. Pass it for now.
International Money Express, Inc. is a financial services company specializing in cross-border remittance, primarily serving the U.S.-to-Latin-America corridor through an extensive retail agent network and digital platforms. The company maintains a leading position in its core niche, benefiting from strong brand loyalty and a robust physical distribution network. Its primary growth story revolves around the ongoing transition from retail-based transfers to high-margin digital and mobile-native channels. However, it faces intense competitive risks from lower-cost fintech disruptors and regulatory burdens. The stock is a fit for growth-oriented investors interested in the remittance sector, though they should monitor digital adoption metrics and regional economic conditions closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential, though it faces stiff competition from disruptive digital fintech models. |
| Momentum investor | Weak fit | Momentum is generally tied to clear breakout trends or sector catalysts which are currently tempered by industry competitive pressures. |
| Value investor | Strong fit | The stock is often viewed as reasonably valued relative to its cash flow generation and stable business model. |
| Dividend investor | Weak fit | Intermex does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While the business provides essential services, the volatility inherent in the financial services sector and regulatory risks warrant caution. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock can experience sharp moves based on quarterly transaction volume reports and industry sentiment. |
| Valuation risk | Medium | Valuation is sensitive to how the market prices the company's long-term transition to digital vs. legacy retail. |
| Competition risk (Digital Fintech) | High | New entrants often utilize aggressive pricing that can compress margins for traditional remittance providers. |
| Business quality | Medium | The business has a defensible niche, but requires continuous capital investment to maintain agent networks. |
| Dividend income | Low / none | Investors seeking immediate cash returns will not find them here. |
| Execution risk | Medium | Success depends on the effective execution of digital transformation strategies while retaining legacy agent loyalty. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -21.59% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 351.97M USD | Price to earnings Ratio 19.1 | 1Y Target Price 16 |
Price to earnings Ratio 19.1 | 1Y Target Price 16 | ||
Volume (30-day avg) 601.2K shares | Beta 0.77 | 52 Weeks Range 10.36 - 15.95 | Updated Date 09/28/2026 |
52 Weeks Range 10.36 - 15.95 | Updated Date 09/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Transaction Fees | Service fees charged to customers for processing cross-border money transfers. | The company makes money every time a customer sends funds through their system. |
| Foreign Exchange Spread | Revenue generated from the difference between the retail exchange rate offered to customers and the wholesale cost of currency. | Small differences in currency conversion rates provide a reliable revenue stream. |
| Geographic Exposure | Concentration in U.S. to Latin America/Caribbean corridors. | The company's success is tied heavily to economic conditions for immigrants in the U.S. sending money home. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 19.1 | Forward PE 6.85 | Enterprise Value 330.41M | Price to Sales(TTM) 0.63 |
Enterprise Value 330.41M | Price to Sales(TTM) 0.63 | ||
Enterprise Value to Revenue 0.59 | Enterprise Value to EBITDA 5.86 | Shares Outstanding 30.21M | Shares Floating 26.53M |
Shares Outstanding 30.21M | Shares Floating 26.53M | ||
Percent Insiders 8.14 | Percent Institutions 96.46 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About International Money Express Inc
Exchange NASDAQ | Headquarters Miami, FL, United States | ||
IPO Launch date 2017-03-27 | Chairman, President & CEO Mr. Robert Lisy | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1096 | Website https://www.intermexonline.com |
Full time employees 1096 | Website https://www.intermexonline.com | ||
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. 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.