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IMXI

๐Ÿ’ป Technology

International Money Express, Inc.

Conservative #887Aggressive #989Moderate RiskHigh 85
$15.74-0.06%
Day High$15.77
Day Low$15.73
Volume1.0M
Mkt Cap$468M
52W Low $952W High $18
Market Cap
$466M
P/E Ratio
11.9
Sector avg: 49.8
Rev Growth
-0.0%
Sector avg: 14.8%
Earnings Growth
-1.2%
Profit Margin
6.3%
Sector avg: -110.0%
Debt/Equity
1.21

Why This Score

IMXI scores 39.7 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 27.6% exceeds the 15% quality threshold.
  • Attractively valued at 11.9x earnings, below the market average.
  • High conviction (85/100) โ€” fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 5-point penalty for execution risk.
  • Above-average volatility (19.2%) may not suit conservative risk tolerance.
  • Elevated leverage (D/E 1.21) increases financial risk in a rising-rate environment.

Moderate penalties (-5.6 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.

Score Breakdown

Overall Score39.7
Fundamental Score40.8
ML Score43.0

Score by Horizon

3 Month
56.6
6 Month
63.2
Primary
1 Year
66.5

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage

Position Sizing

Suggested Allocation
4.2%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
44
Neutral
Analyst (6.4%)
63
Favorable
Tradability (post-hoc)
48
Grade Clow dollar volume, small cap
Base
35.7
SHAP
+1.7
Factors
+1.0
Conviction
+1.3
Final
39.7
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

61AVG
Value77
Quality57
Growth39
Stability53
Investment79

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)58.0
Technical (Momentum, Weinstein, Volatility)63.0
External (Sentiment, Analyst, Macro)64.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-1.7% to +2.3%
Medium-term
-2.2% to +3.9%
Long-term
-2.7% to +5.5%

ML Model Core Features100 trained inputs โ†’ ML Score: 43

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score62.5/100
Target Upside+0.0%
Coverage12 analysts
Market Sentiment
Sentiment Score44.4/100
News Volume0 articles
Technical Stage
Weinstein Stage2 โ€” Advancing
12M Momentum+0.0%
6M Momentum+0.1%
Volatility+0.2%
Momentum & Technical
Momentum Acceleration-5.8%
Momentum ConsistencyWeak (0.22)
Relative Strength vs Sector-2.0%
Trend Strength (ADX Proxy)Weak (0.1)
Momentum Quality+0.012
Momentum BreadthBroad โœ“
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
46%
High risk โ€” cheap + stagnating
Sector RevGr Rank
P19
Revenue growth vs Technology peers
Sector PE Rank
P91
Valuation vs Technology peers
Sector FCF Rank
P62
Free cash flow vs Technology peers
Growth Deviation
-0.2ฯƒ
Z-score vs sector median
Stagnation Flag
YES
Below-sector growth + cheap PE
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 41 relative to sector peers41/100
Machine learning ensemble ranks this stock at the 43th percentileP43
Blended score: 80% fundamental (41) + 20% ML (43) = 41.241.2
Risk assessment: low. Low vol 0.2%; Drawdown 29% โ†’ 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +1.7pt (features align with model priorities)SHAP
Conviction adj: +1.3pt (conviction=N/A)Conviction
Risk Factors
Value trap penalty: -0.6ptValue Trap
Liquidity penalty: -5.0pt (grade C)Liquidity

Sector Peer Comparison(Technology โ€” Rank #201 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
IMXI39.711.9-0.0%6.3%$466M
MPWR85.191.721.2%81.0%$56.6B
ZM84.518.03.1%21.7%$22.4B
NVDA80.745.2114.2%55.8%$4.6T
CRUS80.319.16.0%17.5%$7.3B
CSCO78.027.65.3%18.0%$311.4B
ASML77.848.115.6%29.4%$566.0B
RMBS77.748.320.7%32.3%$11.0B
IDCC77.731.8-4.0%48.8%$9.6B
ADI75.674.116.9%20.6%$173.8B
FSLR75.317.326.7%30.7%$22.3B
SIMO74.59.210.2%13.8%$4.5B
AAPL74.433.16.4%27.0%$4.0T
DBX74.013.91.9%17.7%$6.7B
LRCX73.948.323.7%29.1%$295.9B
TER73.790.95.4%19.2%$53.1B
Sector Average48.149.814.8%-110.0%โ€”

Market Sentimentvia FMP

Analyst Consensus
Buy12 analysts
Buy: 6Hold: 6
Price Target
$27consensus
Low $25Median $26High $30
+71.5% to consensus target

Company Overviewvia FMP

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 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. International Money Express, Inc. is headquartered in Miami, Florida.

CEO
Robert Lisy
Employees
1,101
Beta
0.87
Industry
Software - Infrastructure
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
72.0
Overbought
Trend
Bullish
10-day vs 50-day MA
From 52W High
-1.5%
High: $15.98
From 52W Low
+83.4%
Low: $8.58
Moving Averages
10-Day
$15.60
Above
20-Day
$15.60
Above
50-Day
$15.50
Above
200-Day
$13.60
Above
60-Day Support
$15.17
60-Day Resistance
$15.81
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 โ€” AdvancingScore: 77/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+15.7%
200 SMA Slope (60d)
+4.35%
Rising
Volume Ratio
1.95x
10d avg vs 50d avg
Days in Stage
98
Confidence: 90%
Breakout Volume Confirmed

Financial Statementslast 4 quarters via FMP

MetricQ3 2025Q2 2025Q1 2025Q4 2024
Revenue$155M$161M$144M$165M
Gross Profit$56M$59M$32M$52M
Operating Income$11M$19M$14M$25M
Net Income$5M$11M$8M$15M
EPS (Diluted)$0.17$0.37$0.25$0.49
Gross Margin36.3%36.5%22.3%31.8%
Operating Margin6.8%12.1%9.8%15.0%
Net Margin3.2%6.8%5.4%9.3%

Why This Stock

TechnologyP/E ratio of 11.9Valuation below sector median (P/E 11.9)

Tradability FilterGrade C โ€” 48/100Score impact: -25.2pt

Volume
51
212K avg/day
Dollar Vol
29
$3M/day
Float
56
26M shares
Mkt Cap
27
$466M
Range
100
115% spread
Composite Liquidity Score48/100
FDCBA
low dollar volumesmall cap

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$13.14$18.9636.3%Wide
2022$15.07$27.8159.4%Wide
2023$15.76$28.2456.7%Wide
2024$16.17$23.2836%Wide
2025$8.58$21.4085.5%Wide
3-Year Range
106.8%
Narrow Years
0 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
slight revenue decline

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
88.4%
Outstanding Shares
30M
Bid-Ask Spread
115.0%
Institutional Tradable
Limited

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.