International Money Express, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data International Money Express, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue			274	320	357	459	547	659	659	608
Operating expenses			261	283	304	391	464	563	564	552
Operating income	-0	-1.13	13.1	36.4	52.9	67.9	82.9	95.5	95	55.7
Interest expense			18.4	8.51	6.57	4.54	5.63	10.4	11.7	11.8
Interest income		1.38
Pre-tax income	-0	0.25	-5.38	27.9	46.3	63.3	77.3	85.1	83.3	47.1
Income tax		0.44	1.87	8.32	12.5	16.5	19.9	25.5	24.5	14.4
Net income	-0	-0.19	-7.24	19.6	33.8	46.8	57.3	59.5	58.8	32.7
EBITDA			28.7	49.1	63.7	77.3	92.4	108	109	72.8
EPS, basic	0.00	-0.02	-0.28	0.52	0.89	1.22	1.52	1.67	1.81	1.09
EPS, diluted	0.00	-0.02	-0.28	0.52	0.88	1.20	1.48	1.63	1.79	1.08
Shares, basic (weighted)	5.27	7.59	25.5	37.4	38.1	38.5	37.7	35.6	32.4	29.9
Shares, diluted (weighted)	5.27	7.59	25.5	37.6	38.4	39.1	38.6	36.4	32.9	30.2

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	0.08	59.2	73	86.1	74.9	132	149	239	131	169
Receivables		51.4	35.8	39.8	55	67.3	130	155	107	105
Other current assets		0.9	3.17	4.16	3.52	6.99	12.7	10.1	11	19.6
Total current assets	0.08	119	139	148	187	264	382	433	298	353
Property, plant and equipment		8.49	10.4	13.3	13	17.9	28.2	31.7	50.4	57.1
Lease right-of-use assets						0	24.8	22.1	18.5	15.9
Goodwill	0	36.3	36.3	36.3	36.3	36.3	49.8	54	55.2	54
Intangible assets	6.35	48.7	36.4	27.4	20.4	15.4	19.8	18.1	26.8	25.4
Other non-current assets		2.23	1.87	1.42	3.04	7.43	31.9	40.2	32.2	28
Total assets	0.47	217	226	227	259	341	512	577	462	518
Accounts payable		8.92	11.4	13.4	12.8	23.2	25.7	36.5	19.5	15.3
Accrued liabilities	0	0.48	2.37	2.37	2.96	4.89	5.58	8.09	5.58	3.79
Deferred revenue			0	2.5	2.75	3.39	4.21	4.77	2.69	0
Short-term debt		3.91	3.94	7.04	7.04	3.88	4.98	7.16	0
Total current liabilities	0.45	72.6	68	83.7	83.9	117	185	223	152	141
Long-term debt		108	113	87.6	80.6	79.2	150	181	157	195
Lease liabilities							23.3	22.7	18.6	15.5
Total liabilities	0.45	10.1	181	171	165	197	362	428	327	357
Total debt		112	117	94.7	87.6	83.1	155	188	157	195
Paid-in capital	0.02	46.1	61.9	54.7	59.3	66.9	70.2	75.7	79.6	87.8
Retained earnings	-0	-10.2	-17.4	1.18	35	81.8	139	199	257	290
Treasury stock					0	-5.57	-59.3	-126	-201	-217
Other comprehensive income		-0	-0	0.09	-0.01	-0.08	-0.14	0.26	-1.45	0.1
Shareholders' equity	3.26	35.9	44.5	56	94.3	143	150	149	135	161
Total equity	3.26	35.9	44.5	56	94.3	143	150	149	135	161
Total liabilities and equity	0.47	217	226	227	259	341	512	577	462	518
Shares outstanding	5.3	17.2	36.2	38	38.2	38.5	36.6	33.8	30.5	29.7

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	-0	-0.19	-7.24	19.6	33.8	46.8	57.3	59.5	58.8	32.7
Depreciation and amortization			15.7	12.7	10.8	9.49	9.47	12.9	13.6	17.2
Stock-based compensation			5.83	2.61	3.24	4.6	7.12	8.11	7.04	9.28
Deferred income tax			0.19	1.86	1.43	0.73	-0.5	-2.62	-0.45	5.2
Change in receivables			14.3	-5.66	-17.1	-13.8	-48.6	-29.2	41.6	-7.05
Cash from operations	-0	-0.67	19.8	52.5	-0.88	78.1	15.2	144	53.1	36.9
Capital expenditures			-5.33	-6.47	-4.06	-10.6	-12.2	-12.8	-30	-21.1
Acquisitions			0	0	0	0	-0.13	-5.48	-1.25	0
Cash from investing		-175	-5.45	-6.72	-4.06	-10.8	-12.5	-18.3	-43.9	-22.1
Debt issued			90	12	0	40.2
Debt repaid			-95.8
Stock issued		0	0	0.28	1.5	3.81	1.66	1.3
Share buybacks			0	0	0	-5.57	-53.7	-66.3	-75.1	-16.3
Dividends paid			0	0
Cash from financing	0.08	175	-1.11	-32.9	-6.16	-9.62	14.1	-37.1	-114	20.8
Exchange rate effect			-0.04	0.22	-0.11	-0.14	0.32	1.59	-3.64	2.56
Net change in cash	0.08	0.28	13.2	13.1	-11.2	57.6	17	89.7	-109	38.2
Free cash flow			14.5	46.1	-4.94	67.5	3	131	23.1	15.8
Interest paid			10.7	8.77	5.81	3.67	4.63	9.18	10.4	10.8
Income taxes paid			1.5	4.87	11.1	13.5	24.3	21.5	24.6	17.9

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $11.25 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Operating margin	6.2%	Operating income / revenue.
EBITDA margin	9.6%	EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin	4.9%	Pre-tax income / revenue.
Net margin	3.4%	Net income / revenue.
FCF margin	1.6%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	5.6%	Cash from operations / revenue.
Effective tax rate	31.7%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	11.0%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	4.1%	Net income / average total assets.
Return on invested capital (ROIC)	17.8%	Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
Stock-based pay / revenue	1.8%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	4.0%	Capital expenditures / revenue.
D&A / revenue	3.3%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-7.7%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	3.6%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	11.2%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y	-41.4%	Operating income vs the same period a year earlier. Only from a positive base.
Operating income CAGR, 3y	-12.4%	Compound annual growth of operating income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating income CAGR, 5y	1.0%	Compound annual growth of operating income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EBITDA growth, 1y	-33.0%	EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y	-7.6%	Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y	2.7%	Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	-44.5%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-17.1%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	-0.7%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	-39.7%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-10.0%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	4.2%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-30.5%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	34.5%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y	-31.5%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	74.0%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	19.4%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	2.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	11.3%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	12.0%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	0.4%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	14.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-8.1%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-7.9%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-4.7%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Current ratio	1.96x	Current assets / current liabilities.
Quick ratio	1.72x	(Cash + short-term investments + receivables) / current liabilities.
Cash ratio	1.03x	(Cash + short-term investments) / current liabilities.
Debt / equity	0.67x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	25.3%	Total debt / total assets.
Liabilities / assets	62.3%	Total liabilities / total assets.
Net debt	-$36.8M	Total debt - cash - short-term investments. Negative means more cash than debt.
Net debt / EBITDA	-0.69x	Net debt / EBITDA (twelve months), when EBITDA is positive.
Interest coverage	3.27x	Operating income / interest expense.
Working capital	$139.9M	Current assets - current liabilities.
Goodwill and intangibles / assets	17.2%	(Goodwill + intangible assets) / total assets.
Tangible book value	$92.2M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	1.24x	Revenue / average total assets.
Fixed asset turnover	9.25x	Revenue / average property, plant and equipment.
Receivables turnover	5.57x	Revenue / average receivables.
Days sales outstanding	66 days	365 x average receivables / revenue.
FCF conversion	47.5%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	71.5%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$0.61	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$18.15	Revenue / diluted weighted shares.
FCF per share	$0.29	Free cash flow / diluted weighted shares.
Operating cash flow per share	$1.01	Cash from operations / diluted weighted shares.
Book value per share	$5.61	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$3.05	Tangible book value / shares outstanding.
Cash per share	$4.99	(Cash + short-term investments) / shares outstanding.
Buybacks / FCF	0.0%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$339.9M	Share price x shares outstanding.
Enterprise value	$303.1M	Market cap + total debt - cash - short-term investments.
P/E	18.3x	Market cap / net income. Only when net income is positive.
P/S	0.61x	Market cap / revenue.
P/B	2.00x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	3.69x	Market cap / tangible book value, when positive.
P/FCF	38.4x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	10.9x	Market cap / cash from operations, when positive.
EV/Sales	0.55x	Enterprise value / revenue.
EV/EBIT	8.77x	Enterprise value / operating income, when both are positive.
EV/EBITDA	5.71x	Enterprise value / EBITDA, when both are positive.
EV/FCF	34.3x	Enterprise value / free cash flow, when both are positive.
FCF yield	2.6%	Free cash flow / market cap.
Earnings yield	5.5%	Net income / market cap (the inverse of P/E).
Shareholder yield	0.0%	(Dividends paid + share buybacks) / market cap.

What was International Money Express, Inc.'s revenue in fiscal 2025?

International Money Express, Inc. reported revenue of $607.8M for fiscal 2025, 7.7% lower than the year before.

Was International Money Express, Inc. profitable in fiscal 2025?

Yes. Net income was $32.7M, a net margin of 5.4%.

How much free cash flow did International Money Express, Inc. generate in fiscal 2025?

Cash from operations of $36.9M minus capital expenditures of $21.1M left free cash flow of $15.8M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

Open interactive statements, quarterly figures and charts

Back to International Money Express, Inc.