Reading IMXI? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track IMXI free→Reading IMXI? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track IMXI free→NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and earnings quality is fragile, reported profits aren't backed by cash. Management's recent track record has been steady, and it has a capital-friendly stance. Risk is elevated, but the sector backdrop is a tailwind, which may support growth. Peer multiples imply a price about 63% above where it trades (it looks cheap on this basis); the read is cheap, value-trap risk, as it trades below peer multiples while recent financials are weak or earnings quality is fragile. The analysis is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $14.78. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $15 IMXI trades at 10× p/e, below its 28× p/e peer median. Our $40 fair value sits above the price; medium confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 63% below a flat-multiple fair value, below our forecast of about -4%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Information Technology names rated neutral grew net income 54% of the time over the next year (vs 68% for the rest of the cohort, n=3704).
Over the trailing year it converted -1.64x of net income into operating cash flow. Historically, Information Technology names rated fragile grew net income 46% of the time over the next year (vs 65% for the rest of the cohort, n=2129).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
3 material management or governance events in the past 24 months, led by executive changes. Historically, Information Technology names rated stable grew net income 56% of the time over the next year (vs 62% for the rest of the cohort, n=797).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.42 → $0.24 (-42.8% / 30d). 0 raised, 1 cut, 1 covering analysts.
0 upgrades, 0 downgrades / 30d. 0% of analysts rate Buy.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$13.
How much price usually moves either way.
On a bad day, this stock has moved -$144.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,958.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The sector is easing. If IMXI's revenue growth drops, it may signal deeper issues.
Confirms:Revenue growth reported below the median for the sector.
Disproves:Revenue growth remains above the median for the sector.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for IMXI yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Entry into a Material Definitive Agreement On August 10, 2025, International Money Express, Inc., a Delaware corporation (the “ Company ”), entered into an Agreement and Plan of Merger (the “ Merger Agreement ”), by and among the Company, The Western Union Company, a Delaware corporation (“ Parent ”), and Ivey Merger Sub, Inc., a Delaware corporation and wholly owned subsidiary of Parent (“ Merger Sub ”). Pursuant to the Merger Agreement, on the terms and subject to the conditions set forth t…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Systems Software.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
IMXI International Money Express, Inc. | Typical Show detailsSector percentile: 32 of 100 | inexpensive | elevated |
MSFT Microsoft | Above typical Show detailsSector percentile: 84 of 100 | full | moderate |
PANW Palo Alto Networks | Typical Show detailsSector percentile: 42 of 100 | expensive | moderate |
CRWD CrowdStrike | Typical Show detailsSector percentile: 31 of 100 | expensive | moderate |
FTNT Fortinet | Above typical Show detailsSector percentile: 91 of 100 | expensive | moderate |
Not investment advice. As of 2026-06-15.
via XLK
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
No qualifying priorities for this snapshot. Check back after the next refresh.
Results of Operations and Financial Condition. On August 11, 2025 , International Money Express, Inc., a Delaware corporation (the “Company”), issued a press release announcing its financial results for the fiscal quarter ended June 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exh…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On August 9, 2025, the Compensation Committee of the Board adopted a Retention Bonus Program (the “ Retention Program ”) in order to encourage certain key employees, including certain of the Company’s named executive officers, to remain with the Company and continue to contribute to its success through and after the consummation of the Merger (the…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On July 26, 2025, International Money Express, Inc. (the “Company”) entered into a separation agreement with Robert Pargac, the Chief Legal Officer and Secretary, pursuant to which he resigned from his positions with the Company, effective as of July 25, 2025.