Stock Ratings / Consumer Discretionary / IMXI / financials

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International Money Express Inc. (IMXI) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$8.59 -1.94% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

International Money Express Inc. (IMXI) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 24% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $259.5M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

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 C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for IMXI)Realized 20D OHLCV Swing Band: ±12.4%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How IMXI Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$15.8M (0.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	1.4%	$32.7M	$15.8M	23.5%
FY 2024	$4.00B	52%	2.4%	$58.8M	$23.1M	46.6%
FY 2023	$4.00B	52%	2.4%	$59.5M	$143.5M	23.5%

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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
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IMXI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -46.01%▼ DESCENDING CHANNEL

2026-10-30O $8.51H $9.18L $8.32C $8.59VOL 782.2K

RES: $14.25SUP: $6.74SMA50: $12.06SMA200: $14.23

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

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

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

Consumer Discretionary Rank #185 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 #185 by composite RQD confidence (70/100, grade B-) 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 70/100 (B-).

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.	B-	70/100	7.9x	—	23.5%	-1.94%	$259.5M	Benchmark Subject
AMWL American Well Corporation (Class A)	D-	39/100	—	—	-35.0%	+6.09%	$254.8M	/amwl-vs-imxi →
CURR Currenc Group Inc.	D-	42/100	—	40.8%	-35.0%	-1.10%	$251.5M	/curr-vs-imxi →
ALIT Alight Inc. (Class A)	D-	36/100	—	33.8%	-35.0%	+1.44%	$247.0M	/alit-vs-imxi →
ZH Zhihu Inc. each representing three (3) (Class A)	E	21/100	—	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?

As of 2026-11-01, International Money Express Inc. (NASDAQ: IMXI) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 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 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, IMXI ranks #185 in composite RQD confidence.

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

Within the Consumer Discretionary sector (Business Services), IMXI carries a Roarable B- (70/100 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 (39/100 RQD, P/E N/A, ROIC -35.0%, cap $254.8M) and CURR (Currenc Group Inc.) posts a D- grade (42/100 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).

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

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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

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 -28.77% below its 50-day simple moving average ($12.06) and -39.63% below its 200-day simple moving average ($14.23). Across its 52-week range of $8.32 to $15.95, IMXI sits at the 3.5% percentile with a 14-day RSI of 32.4 (NEUTRAL RANGE) and an implied next-earnings move of ±12.4% ($7.52 to $9.66).