IMXI

International Money Express, Inc.

International Money Express, Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Miami, FL. Its latest filed balance sheet (2025-12-31) shows total assets of $566 million (its filed statements).

Marketplace business Services-Business Services, NEC Miami, FL filings since 2016 9 of 9 filed

Sector peers: ANDGRMNIRSKDSCOR

4.6/10headline grade
vs its business-model standard

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 4.6 out of ten, 9 of 9 metrics filed: past 5.7 out of ten, present 5.5 out of ten, future 3.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 2.8 out of ten. 5 warning events since 2017; the latest 2018-12-10. 28th percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 5.3 out of ten. +12.1% a year over 8 filed years; profitable in 7 of 8. 53rd percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 8.2 out of ten. Share count shrank 7.9% a year. 68% of cash flow returned. Insiders: 0 sales, 0 purchases. 82nd percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 7.0 out of ten. ROE 20%: 20¢ of profit per shareholder dollar. Leverage 69%: owes 69¢ per asset dollar. 70th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 4.3 out of ten. bottom 43% of 101 in its family; net margin 5.4%. 43rd percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 5.8 out of ten. top 42% of 67 in its family for leadership; chief executive since 2018. 58th percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 3.3 out of ten. bottom 33% of 99 in its family for room to expand. 33rd percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 4.0 out of ten. bottom 40% of 99 in its family for growth drivers. 40th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 1.5 out of ten. bottom 15% of 93 in its family for expectations against reality. 15th percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2025-08-11 (on EDGAR). Newest filing: Form 4, 2026-10-02. Filings on record since 2016. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2025: Wire Transfer and Money Order 83%, Foreign Exchange Gain 14%, Financial Service Other 3%. As tagged in its annual report (Form 10-K, filed 2026-03-06).

Who runs it

Lisy, Robert (CEO, President & Chairman); Aguilar, Joseph (President - GM, Latin America); Bende, Andras Quinn (Chief Financial Officer); Hunt, Christopher D. (COO); Pargac, Robert (General Counsel); Bradford, Debra A (director); Maydon, Laura I (director); Purcell, Michael J. (director); Fernandez, Bernardo B. Jr. (director); Godfrey, Adam P (director); and 2 more. 12 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.

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