Stock fact sheet · data as of
International Money Express, Inc. (IMXI): fair value, margin of safety and Wheel Score
Ticker symbol IMXI · Technology · Software - Infrastructure · United States · Value
Is IMXI undervalued?
IMXI has a margin of safety of 33%: the stock closed at 8.31 on 5 Nov 2026 against a GLS average fair value of 12.48. 4 of the 8 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between Lynch (2.47) and DCF (41.34). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, IMXI is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 58, growth score 27, out of 100).
Nine valuation models for IMXI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 41.34 | +397% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 8.85 | +6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 9.97 | +20% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.47 | -70% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.08 | -15% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 16.04 | +93% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 7.20 | -13% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 6.87 | -17% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -0.1151 | -101% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 27.00 | +225% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
International Money Express, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability IMXI scores 6.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 8.7%, ROE 20.3%, ROA 6.3% - with debt at 1.34 times equity and a free-cash-flow yield of 3.5%.
International Money Express, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Wire Transfer And Money Order 82%, Foreign Exchange Gain 13%, Financial Service, Other 5% (quarter Q2 FY2026).
Institutional ownership scores 10/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 8.7% |
|---|---|---|---|
| GLS Moat | 6.4 / 10 | ROE | 20.3% |
| Debt / equity | 1.34 | ROA | 6.3% |
| Free-cash-flow yield | 3.5% | Payout ratio | 0% |
| Institutions | 10 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 38: Weak
With a Wheel Score of 38 International Money Express, Inc. sits in the Weak band. It fails filter 5, can repay its debt - 5.3 years to repay its debt (over 3); and filter 7, a premium worth selling - implied volatility 216% (over 80%); and filter 8, big enough - market cap $251M (under $1.0B); Premium (weak) is its weakest part.
Implied volatility is 216%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is 15,170 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 549k shares a day on a market cap of $251M, with a beta of 0.82; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Fails | 5.3 years to repay its debt (over 3) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | implied volatility 216% (over 80%) |
| 8 | Big enough | Fails | market cap $251M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 33% below fair value | |
| Premium | Weak | implied volatility 216% | |
| Moat | Good | moat 6.4/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | Red Flags score 70/100 | |
| Option trading | Good | 4,627 contracts a day, 15,170 open interest | |
| Stability | Fair | beta 0.82, $251M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
International Money Express, Inc. reports earnings on 9 Nov 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Software - Infrastructure
The 12 companies below are the closest to International Money Express, Inc. by market cap within the Software - Infrastructure industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NUAI New Era Energy & Digital, Inc. | 2.19 | - | - | 11Weak | $233M |
| FFPP Fast Finance Pay Corp. | 7.50 | - | - | 12No options | $230M |
| BTQ BTQ Technologies Corp. | 1.94 | 0.1078 | -1699% | 12Weak | $285M |
| KDK Kodiak AI, Inc. Common Stock | 1.10 | 0.0780 | -1310% | 16Weak | $221M |
| BKKT Bakkt Holdings, Inc. | 4.77 | - | - | 7Weak | $215M |
| OWLS OBOOK Holdings Inc. | 2.34 | - | - | 13No options | $207M |
| MOVE Corvex, Inc. | 6.40 | - | - | 10Weak | $202M |
| GRRR Gorilla Technology Group Inc. | 7.70 | - | - | 11Weak | $191M |
| PSFE Paysafe Limited | 6.57 | 128.26 | +95% | 36Weak | $343M |
| AIBZ Bitzero Holdings Inc. Common Shares | 2.93 | 0.4443 | -559% | 11Weak | $180M |
| LSAK Lesaka Technologies, Inc. | 4.14 | 1.07 | -288% | 18Weak | $355M |
| CINT CI&T Inc | 3.10 | 7.43 | +58% | 43Weak | $397M |
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Start free See the Sunday ScanQuestions about IMXI
Is IMXI undervalued right now?
By the GLS models, yes: at 8.31 the stock is 33% below the average fair value of 12.48 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of IMXI and what does it mean?
IMXI scores 38 out of 100 (Weak) - it fails Wheel Trade Filters 5, 7, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for IMXI?
12.48 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does International Money Express, Inc. report earnings next?
The next earnings report is due on 9 Nov 2026, 4 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does IMXI have listed options, and how liquid are they?
Yes. The nightly snapshot found 24 listed contracts with 15,170 open interest across all expiries and implied volatility of 216% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.