International Money Express

IMXI · NASDAQ

$9.69+$0.03 (+0.31%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $9.66

IMXI analyst rating

BuyConsensus of 1 analyst over the last 12 months. 100% rate it a buy.

Strong buy0
Buy1
Hold0
Underperform0
Sell0

12-month price target · 3 analysts

Average $16.32 (+68.4% upside)

Low: $16.16
Now: $9.69
High: $16.80

Upgrades and downgrades

The latest rating actions, newest first

IMXI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
BMO Capital	Nov 4, 2025	Maintains	Outperform	$23.00 → $18.00	60%

The case for and against

Updated May 1, 2025

Bull case

International Money Express Inc. has demonstrated a strong upward trajectory in its digital transactions, which grew by 9.1% year-over-year, reflecting a significant shift towards more cost-efficient digital remittance solutions. Alongside this, the company's digital revenue surged by nearly 66.5%, contributing to improved gross margins per transaction compared to its retail business. Moreover, International Money's combined market share in five key markets has reached approximately 20%, with projections indicating growth in digital revenue from 3% in FY24 to a potential 25% by FY29, showcasing the firm's promising outlook in the remittance sector.

Bear case

International Money Express Inc. experienced a revenue decline of 4.1% year-over-year, largely attributed to a decrease in transaction volume of approximately 3.3%, driven by challenging economic conditions affecting remittance activity to Latin America. The company's adjusted EBITDA of $30.9 million, reflecting an 18.8% margin, fell short of estimates, exacerbated by heightened selling, general, and administrative expenses, while future EBITDA margins are projected to decline to 15.9% in 2025 from 18.2% in 2024. Additionally, the adjusted EPS of $0.57 was below both estimates and consensus, highlighting the continuing pressure on profitability amid a sluggish market growth environment.

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