Stock fact sheet · data as of
International Money Express, Inc. (IMXI): fair value, margin of safety and Wheel Score
Technology · Software - Infrastructure · United States · Value
Is IMXI undervalued?
IMXI closed at 10.58 on 16 Oct 2026, 13% below the GLS average fair value of 12.13 from 8 models (2 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 18 of the 25 Value points.
There is a wide gap between Lynch (2.47) and DCF (39.06). 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.
The nightly engine files IMXI under Value: positive earnings at a P/E of 18 or less.
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 | 39.06 | +269% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 8.85 | -16% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 9.97 | -6% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.47 | -77% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.68 | -37% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 16.04 | +52% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 7.10 | -33% | 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 | -35% | 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 | +155% | 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 Sunday Scan's "6 or more" rule. 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. A GLS Moat score of 3.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
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 2.8%.
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 | 3.9 / 10 | ROE | 20.3% |
| Debt / equity | 1.34 | ROA | 6.3% |
| Free-cash-flow yield | 2.8% | Payout ratio | 0% |
| Institutions | 10 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 51: Fair
A Wheel Score of 51 puts International Money Express, Inc. in the Fair band - below the 70 the Sunday Scan requires. Value 18/25, Health 13/20, Moat 6/15, Premium 5/20 and Stability 9/20; the weakest part is Premium (5/20).
Implied volatility is 181%, far above the range the wheel strategy is built for. The premium looks generous; the Wheel Score gives it only 5 of 20 Premium points because moves of that size can blow through any strike. Chain open interest is 27,853 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 350k shares a day on a market cap of $320M, with a beta of 0.78 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 9 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 18 / 25 | 13% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 3.9/10 | |
| Premium | 5 / 20 | implied volatility 181% | |
| Stability | 9 / 20 | 350k shares/day, $320M cap, beta 0.78 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 9 Nov 2026, 24 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
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.
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| LSAK Lesaka Technologies, Inc. | 4.45 | 2.82 | -58% | 40Weak | $382M |
| BKKT Bakkt Holdings, Inc. | 5.90 | - | - | 34Weak | $266M |
| MOVE Corvex, Inc. | 8.41 | - | - | 35Weak | $265M |
| CINT CI&T Inc | 3.03 | 7.21 | +58% | 54Fair | $388M |
| IIIV i3 Verticals, Inc. | 16.60 | 16.51 | -1% | 58Fair | $397M |
| OWLS OBOOK Holdings Inc. | 4.70 | - | - | 22No options | $415M |
| FFPP Fast Finance Pay Corp. | 7.50 | - | - | 30No options | $230M |
| ALLT Allot Ltd. | 9.04 | 8.73 | -4% | 54Fair | $446M |
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Start free See the Sunday ScanQuestions about IMXI
Is IMXI undervalued right now?
By the GLS models, moderately: at 10.58 the stock trades 13% below the average fair value of 12.13 (data as of 16 Oct 2026).
What is the Wheel Score of IMXI and what does it mean?
IMXI scores 51 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for IMXI?
12.13 per share as of 16 Oct 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, 24 days from the data date of 16 Oct 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 252 listed contracts with 27,853 open interest across all expiries and implied volatility of 181% 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.