Stock Ratings / Consumer Discretionary / IMXI

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International Money Express Inc. (IMXI) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell IMXI stock right now?

International Money Express Inc. (IMXI) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at 8x P/E (24% return on capital) under elevated 10-year interest-rate pressure.

Q: What is IMXI's 12-month price target and RQD AI Jury consensus?

IMXI's 12-month base price target is $8.59 (range $6.7 to $16.75), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$8.59 -1.94% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.54

International Money Express Inc. (IMXI) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $259.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on IMXI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is IMXI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, International Money Express Inc. (NASDAQ: IMXI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $8.59 (-1.94% 1D, market cap $259.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, IMXI ranks #389 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does IMXI compare to AMWL and CURR in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Business Services), IMXI carries a Roarable D+ (58/100 RQD), trailing P/E of 7.9x, gross margin of —, and ROIC of 23.5%. By comparison, AMWL (American Well Corporation (Class A)) holds a D grade (44/100 RQD, P/E N/A, ROIC -35.0%, cap $254.8M) and CURR (Currenc Group Inc.) posts a E grade (31/100 RQD, P/E N/A, ROIC -35.0%, cap $251.5M). Among the 5-stock peer group, IMXI leads on earnings multiple (7.9x) while IMXI leads on capital efficiency (23.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for IMXI?

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Per IMXI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001683695), International Money Express Inc. generated $0 in revenue, $32.7M in net income, and $15.8M in free cash flow against $517.7M in total assets and $194.8M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $8.54 (-0.54%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 0.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for IMXI)Realized 20D OHLCV Swing Band: ±12.2%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY IMXI SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 0.4% FCF Margin ($15.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$10.87-11.1% Next Q

Q2 (-2Q)

Grade C+$9.66-5.2% Next Q

Q3 (-1Q)

Grade C$9.16-6.2% Next Q

Current

Grade D+$8.59+0% Hist 90D α

Trajectory: B- (66) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the IMXI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, IMXI faces multiple-compression risk if 7.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($11.95) or 200D SMA ($14.20) invalidates the momentum regime and cuts Target Base ($8.59) toward Bear Floor ($6.70).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $IMXI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “IMXI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERSOLD (<32)

28.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE4% OF RANGE

L: $8$8.59H: $16

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on IMXI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

23.5% ROIC with 42.0% gross margin and 6.09% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (50)

20/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like IMXI

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring IMXI)

✓Walkthrough of IMXI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

IMXI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -46.04%▼ DESCENDING CHANNEL

2026-11-02O $8.76H $8.76L $8.59C $8.59VOL 582.1K

RES: $11.77SUP: $6.67SMA50: $11.95SMA200: $14.20

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

IMXI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 IMXI Butterfly Map → + Track IMXI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-5.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on IMXI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for IMXI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for IMXI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (IMXI)

Consumer Discretionary Rank #389 of 1011 ⚔️ AMWL vs IMXI Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (IMXI vs. AMWL, CURR, ALIT, ZH)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, International Money Express Inc. (IMXI) ranks #389 by composite RQD confidence (58/100, grade D+) and #663 by equity capitalization ($259.5M). Within this direct 5-issuer industry benchmark cohort, IMXI leads on earnings valuation at 7.9x trailing P/E, while IMXI leads on capital efficiency and profitability with 23.5% ROIC and — gross margin. IMXI currently leads its immediate peer cohort in composite quantitative strength at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
IMXI ACTIVE International Money Express Inc.	D+	58/100	7.9x	—	23.5%	-1.94%	$259.5M	Benchmark Subject
AMWL American Well Corporation (Class A)	D	44/100	—	—	-35.0%	+6.09%	$254.8M	/amwl-vs-imxi →
CURR Currenc Group Inc.	E	31/100	—	40.8%	-35.0%	-1.10%	$251.5M	/curr-vs-imxi →
ALIT Alight Inc. (Class A)	E	31/100	—	33.8%	-35.0%	+1.44%	$247.0M	/alit-vs-imxi →
ZH Zhihu Inc. each representing three (3) (Class A)	E	18/100	—	59.9%	-35.0%	-3.07%	$273.5M	/zh-vs-imxi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001683695

In its most recent audited fiscal period (FY2025, filed 2025-12-31), International Money Express Inc. (IMXI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $32.7M, operating cash flow of $36.9M, and free cash flow of $15.8M (-31.5% YoY). On the balance sheet, IMXI closed FY2025 with $517.7M in total assets against $194.8M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$32.7M	$36.9M	$15.8M	$517.7M	$194.8M
FY2024 (FY)	2024-12-31	$0	$58.8M	$53.1M	$23.1M	$462.4M	$156.6M
FY2023 (FY)	2023-12-31	$0	$59.5M	$143.5M	$143.5M	—	—

3. IMXI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is IMXI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does IMXI compare to AMWL and CURR in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for IMXI?

Where is IMXI trading relative to its 50-day, 200-day, and 52-week technical levels?

IMXI last traded at $8.59 (-1.94% on volume of 582,122 shares), positioning the stock -28.12% below its 50-day simple moving average ($11.95) and -39.51% below its 200-day simple moving average ($14.20). Across its 52-week range of $8.32 to $15.95, IMXI sits at the 3.5% percentile with a 14-day RSI of 28.1 (OVERSOLD (<32)) and an implied next-earnings move of ±12.2% ($7.54 to $9.64).

IMXI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell IMXI stock right now?

International Money Express Inc. (IMXI) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at 8x P/E (24% return on capital) under elevated 10-year interest-rate pressure.

What is IMXI's 12-month price target and RQD AI Jury consensus?

IMXI's 12-month base price target is $8.59 (range $6.7 to $16.75), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: IMXI RQD Cockpit IMXI 12M Forecast IMXI Earnings & Move IMXI Dividends & DRIP IMXI Insiders & 13F IMXI Whale Options IMXI Profit Sankey IMXI News & Why