International Money Express, In — Earnings Quality Grade C
IMXI · Technology
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 63 days, change +4 days YoY
AR growth -1.6% vs revenue growth -7.7%
Revenue -7.7%, CFFO -30.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -29.7% vs revenue -7.7%. Normal
SG&A/Gross Profit = 57.5%. Normal
Gross margin 36.0%, change +1.1pp. Stable
Cash Flow Quality
CFFO/NI = 1.13. Profits backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = -0.8%. Low accruals
Cash $0.2B covers 78% of debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 49% of equity
Debt/EBITDA = 2.8x. Healthy
Other assets -1.5% vs revenue -7.7%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
M-Score = -2.65 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25