IMXI on Nasdaq
International Money Express, Inc.
American business services company, incorporated in Delaware.
Price unavailable
Last updated Oct 18, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
9.2%Operating margin3
5.4%Net margin3
-7.7%Revenue growth, 20253
20.3%Return on equity3
1.21×Debt to equity3
$15.8MFree cash flow3
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Wire Transfer and Money Order brought in 83% of the revenue International Money Express, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Wire Transfer and Money Order | $561.5M | $554.8M | $502.2M |
| Foreign Exchange Gain | $87.9M | $88.9M | $87.2M |
| Financial Service, Other | $9.3M | $14.9M | $18.5M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs92¢$560.7M
- Income tax2¢$14.4M
- Profit5¢$32.7M
Out of $607.8M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending56¢$21.1M
- Share buybacks44¢$16.3M
Out of $36.9M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.3
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Total revenues | $607.8M | $658.6M | $658.7M |
| Service charges from agents and banks | $388.9M | $429.0M | $430.9M |
| Salaries and benefits | $75.0M | $68.2M | $70.2M |
| Other selling, general and administrative expenses | $50.7M | $41.5M | $42.7M |
| Provision for credit losses | $7.9M | $6.4M | $5.0M |
| Restructuring costs | $742.0K | $3.1M | $1.2M |
| Transaction costs | $10.5M | $1.8M | $445.0K |
| Goodwill impairment | $1.2M | $0 | $0 |
| Depreciation and amortization | $17.2M | $13.6M | $12.9M |
| Total operating expenses | $552.1M | $563.6M | $563.2M |
| Operating income | $55.6M | $95.0M | $95.5M |
| Gain contingency | $3.3M | $0 | $0 |
| Interest expense | $11.8M | $11.7M | $10.4M |
| Income before income taxes | $47.1M | $83.3M | $85.1M |
| Income tax provision | $14.4M | $24.4M | $25.5M |
| Net income | $32.7M | $58.8M | $59.5M |
| Other comprehensive income (loss) | $1.6M | -$1.7M | $404.0K |
| Comprehensive income | $34.2M | $57.1M | $59.9M |
| Basic (in dollars per share) | $1.09 | $1.81 | $1.67 |
| Diluted (in dollars per share) | $1.08 | $1.79 | $1.63 |
| Basic (in shares) | 29.9M shares | 32.4M shares | 35.6M shares |
| Diluted (in shares) | 30.2M shares | 32.9M shares | 36.4M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and cash equivalents | $168.7M | $130.5M | ||
| Accounts receivable, net of allowance of $$5,530 and $$3,546, respectively | $105.4M | $107.1M | ||
| Prepaid wires, net | $59.5M | $49.2M | ||
| Prepaid expenses and other current assets | $19.6M | $11.0M | ||
| Total current assets | $353.2M | $297.8M | ||
| Property and equipment, net | $57.1M | $50.4M | ||
| Goodwill | $54.0M | $55.2M | $54.0M | $49.8M |
| Intangible assets, net | $25.4M | $26.8M | $18.1M | $19.8M |
| Other assets | $28.0M | $32.2M | ||
| Total assets | $517.7M | $462.4M | ||
| Accounts payable | $15.3M | $19.5M | ||
| Wire transfers and money orders payable, net | $87.5M | $85.0M | ||
| Accrued and other liabilities | $38.1M | $47.4M | ||
| Total current liabilities | $141.0M | $152.0M | ||
| Debt, net | $194.8M | $156.6M | ||
| Lease liabilities, net | $15.5M | $18.6M | ||
| Deferred tax liability, net | $5.4M | $250.0K | ||
| Total long-term liabilities | $215.7M | $175.5M | ||
| Preferred stock $0.0001 par value; 5,000,000 shares authorized, none issued or outstanding | $0 | $0 | ||
| Common stock $0.0001 par value; 200,000,000 shares authorized, 40,682,683 and 40,164,056 shares issued and 29,719,115 and 30,548,702 shares outstanding as of December 31, 2025 and 2024, respectively | $4.0K | $4.0K | ||
| Additional paid-in capital | $87.8M | $79.6M | ||
| Retained earnings | $290.1M | $257.5M | ||
| Accumulated other comprehensive income (loss) | $104.0K | -$1.4M | ||
| Treasury stock, at cost; 10,963,568 and 9,615,354 shares as of December 31, 2025 and 2024, respectively | -$217.0M | -$200.7M | ||
| Total stockholders equity | $161.1M | $134.9M | $149.0M | $149.9M |
| Total liabilities and stockholders equity | $517.7M | $462.4M | ||
| Accounts receivable | $5.5M | $3.5M | $2.6M | |
| Preferred stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Preferred stock, authorized (in shares) | 5.0M shares | 5.0M shares | ||
| Preferred stock, issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, authorized (in shares) | 200.0M shares | 200.0M shares | ||
| Common stock, issued (in shares) | 40.7M shares | 40.2M shares | ||
| Common stock, outstanding (in shares) | 29.7M shares | 30.5M shares | ||
| Treasury stock (in shares) | 11.0M shares | 9.6M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and cash equivalents | $168.7M | $130.5M | ||
| Accounts receivable, net of allowance of $$5,530 and $$3,546, respectively | $105.4M | $107.1M | ||
| Prepaid wires, net | $59.5M | $49.2M | ||
| Prepaid expenses and other current assets | $19.6M | $11.0M | ||
| Total current assets | $353.2M | $297.8M | ||
| Property and equipment, net | $57.1M | $50.4M | ||
| Goodwill | $54.0M | $55.2M | $54.0M | $49.8M |
| Intangible assets, net | $25.4M | $26.8M | $18.1M | $19.8M |
| Other assets | $28.0M | $32.2M | ||
| Total assets | $517.7M | $462.4M | ||
| Accounts payable | $15.3M | $19.5M | ||
| Wire transfers and money orders payable, net | $87.5M | $85.0M | ||
| Accrued and other liabilities | $38.1M | $47.4M | ||
| Total current liabilities | $141.0M | $152.0M | ||
| Debt, net | $194.8M | $156.6M | ||
| Lease liabilities, net | $15.5M | $18.6M | ||
| Deferred tax liability, net | $5.4M | $250.0K | ||
| Total long-term liabilities | $215.7M | $175.5M | ||
| Preferred stock $0.0001 par value; 5,000,000 shares authorized, none issued or outstanding | $0 | $0 | ||
| Common stock $0.0001 par value; 200,000,000 shares authorized, 40,682,683 and 40,164,056 shares issued and 29,719,115 and 30,548,702 shares outstanding as of December 31, 2025 and 2024, respectively | $4.0K | $4.0K | ||
| Additional paid-in capital | $87.8M | $79.6M | ||
| Retained earnings | $290.1M | $257.5M | ||
| Accumulated other comprehensive income (loss) | $104.0K | -$1.4M | ||
| Treasury stock, at cost; 10,963,568 and 9,615,354 shares as of December 31, 2025 and 2024, respectively | -$217.0M | -$200.7M | ||
| Total stockholders equity | $161.1M | $134.9M | $149.0M | $149.9M |
| Total liabilities and stockholders equity | $517.7M | $462.4M | ||
| Accounts receivable | $5.5M | $3.5M | $2.6M | |
| Preferred stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Preferred stock, authorized (in shares) | 5.0M shares | 5.0M shares | ||
| Preferred stock, issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | ||
| Common stock, authorized (in shares) | 200.0M shares | 200.0M shares | ||
| Common stock, issued (in shares) | 40.7M shares | 40.2M shares | ||
| Common stock, outstanding (in shares) | 29.7M shares | 30.5M shares | ||
| Treasury stock (in shares) | 11.0M shares | 9.6M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $32.7M | $58.8M | $59.5M |
| Depreciation and amortization | $17.2M | $13.6M | $12.9M |
| Share-based compensation | $9.3M | $7.0M | $8.1M |
| Provision for credit losses | $7.9M | $6.4M | $5.0M |
| Fair value of contingent consideration | $0 | $0 | -$763.0K |
| Debt origination costs amortization | $1.0M | $1.4M | $1.1M |
| Deferred income tax provision (benefit), net | $5.2M | -$448.0K | -$2.6M |
| Gain contingency | $3.3M | $0 | $0 |
| Goodwill impairment | $1.2M | $0 | $0 |
| Non-cash lease expense | $7.0M | $7.0M | $7.8M |
| Loss on disposal of property and equipment | $1.5M | $1.6M | $1.8M |
| Total adjustments | $53.6M | $36.7M | $33.4M |
| Accounts receivable | -$7.1M | $41.6M | -$29.2M |
| Prepaid wires, net | -$7.4M | -$24.5M | $68.4M |
| Prepaid expenses and other assets | -$9.2M | $5.7M | -$6.9M |
| Lease liabilities | -$7.9M | -$5.9M | -$6.2M |
| Wire transfers and money orders payable, net | $36.0K | -$36.3M | $4.0M |
| Accounts payable and accrued and other liabilities | -$17.8M | -$23.1M | $20.6M |
| Net cash provided by operating activities | $36.9M | $53.1M | $143.5M |
| Cash used in business acquisitions, net of cash and cash equivalents acquired | $0 | -$1.2M | -$5.5M |
| Cash used in asset acquisitions | $0 | -$12.0M | $0 |
| Purchases of property and equipment | -$21.1M | -$30.0M | -$12.8M |
| Proceeds from sale of real estate property | $407.0K | $0 | $0 |
| Acquisition of agent locations | -$1.4M | -$700.0K | $0 |
| Net cash used in investing activities | -$22.1M | -$43.9M | -$18.3M |
| Repayments of term loan facility | $0 | -$75.5M | -$5.5M |
| Borrowings under revolving credit facility | $8.1B | $3.0B | $38.0M |
| Repayments of Lines of Credit | -$8.0B | -$3.0B | $0 |
| Debt origination costs | $0 | -$3.1M | -$751.0K |
| Proceeds (payments) from exercise of options | $46.0K | -$669.0K | $1.3M |
| Payments for stock-based awards | -$1.1M | -$2.5M | -$3.9M |
| Repurchases of common stock | -$16.3M | -$75.1M | -$66.3M |
| Other financing activities | -$52.0K | $0 | $0 |
| Net cash provided by (used in) financing activities | $20.8M | -$114.2M | -$37.1M |
| Effect of exchange rate changes on cash and cash equivalents | $2.6M | -$3.6M | $1.6M |
| Net increase (decrease) in cash and cash equivalents | $38.2M | -$108.7M | $89.7M |
| Cash paid for interest | $10.8M | $10.4M | $9.2M |
| Cash paid for income taxes | $17.9M | $24.6M | $21.5M |
| Lease liabilities arising from obtaining right-of-use assets | $3.0M | $2.4M | $6.0M |
| Settlement of receivables from agent acquisitions | $1.6M | $0 | $0 |
| Accrued liabilities related to agent acquisitions | $150.0K | $0 | $0 |
| Contingent consideration liability | $0 | $0 | $600.0K |
| Settlement of preexisting receivable balance from LAN Holdings against the consideration transferred | $0 | $0 | $2.5M |
| Issuance of common stock for cashless exercise of options | $0 | $4.4M | $0 |
| Settlement of contingent consideration and acquisition related liabilities | $2.0M | $0 | $0 |
No quarter-by-quarter statement was filed.
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Leadership
Who has led International Money Express, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chair
Chief financial officer
Chief operating officer
20202025
- Chief executive officerRobert Lisy Jul 30, 2018 to now12
- Chief executive officerDaniel G. Cohen Jan 19, 2017 to Jul 27, 201813
- ChairRobert Lisy Jul 30, 2018 to now12
- PresidentJoseph Aguilar Mar 2, 2023 to now14
- PresidentRobert Lisy Jul 30, 2018 to Mar 2, 202312
- PresidentJames J. McEntee Iii. Jan 19, 2017 to Jul 2, 201815
- Chief financial officerAndras Quinn Bende Dec 8, 2020 to now16
- Chief financial officerTony Lauro Ii. Jul 30, 2018 to Oct 8, 201917
- Chief financial officerJames J. McEntee Iii. Jan 19, 2017 to Jul 2, 201815
- Chief operating officerChristopher D. Hunt Jan 20, 2023 to now18
- Chief operating officerJoseph Aguilar Oct 2, 2019 to Aug 19, 202219
Board members and other officers (22)
- Chief Business Dev. OfficerEduardo Azcarate Jul 30, 2018 to Jul 30, 201820
- CAO & Chief Compliance OfficerJose Perez-Villarreal Jul 30, 2018 to Jan 12, 202121
- Chief Sales/Marketing OfficerRandy Nilsen Jul 30, 2018 to Mar 6, 202322
- Chief Information OfficerWilliam Velez Jul 30, 2018 to Jul 30, 201823
- Board memberKaren Higgins-Carter Dec 19, 2023 to now24
- Board memberBernardo B. Fernandez Jr. Jan 10, 2022 to now25
- Board memberDebra A. Bradford Jan 10, 2022 to now26
- Board memberLaura I. Maydon Oct 20, 2020 to now27
- Board memberChristopher B. Lofgren Oct 9, 2019 to Jul 1, 202128
- Board memberAdam P. Godfrey Jul 30, 2018 to now29
- Board memberJohn Rincon Jul 30, 2018 to now30
- Board memberJustin B. Wender Jul 30, 2018 to May 9, 202331
- Board memberKurt Holstein Jul 30, 2018 to Jan 4, 202232
- Board memberMichael J. Purcell Jul 30, 2018 to now33
- Board memberRobert Jahn Jul 30, 2018 to Jul 30, 201834
- Board memberBetsy Z. Cohen Jan 19, 2017 to Jul 20, 201835
- Board memberDaniel G. Cohen Jan 19, 2017 to Jul 27, 201813
- Board memberJeremy L. Kuiper Jan 19, 2017 to Jan 26, 201736
- Board memberShami Patel Jan 19, 2017 to Jan 26, 201737
- Board memberWalter T. Beach Jan 19, 2017 to Jan 19, 201738
- General counselRobert Pargac May 30, 2024 to now39
- General counselErnesto Luciano Dec 7, 2020 to Jan 19, 202440
Former names
- Fintech Acquisition Corp. IISep 6, 2016 to Jul 27, 20182
Timeline
Filings
335 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 45 major events, 216 insider forms, 29 large holders, 24 other. The latest 20:
- Oct 2, 20264 EDGAR
- Oct 2, 20264 EDGAR
- Oct 2, 20264 EDGAR
- Oct 2, 20268-K EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 10, 202610-Q EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- May 11, 202610-Q EDGAR
- May 11, 2026SCHEDULE 13G EDGAR
- Apr 30, 202610-K/A EDGAR
- Apr 2, 20264 EDGAR
The 335 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last three years, summarized. The full record is on SEC EDGAR.
Insider trades and holders
Large holders
Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 29 such filings since October 2021, the latest 10:
- Aug 14, 2026SCHEDULE 13G/A
- May 11, 2026SCHEDULE 13G
- Mar 27, 2026SCHEDULE 13G/A
- Nov 14, 2025SCHEDULE 13G
- Oct 27, 2025SCHEDULE 13D/A
- Oct 14, 2025SCHEDULE 13G/A
- Sep 11, 2025SCHEDULE 13D/A
- Sep 2, 2025SCHEDULE 13D
- Aug 22, 2025SCHEDULE 13D/A
- Jul 11, 2025SCHEDULE 13G/A
From Forms 4 and Schedules 13D and 13G filed with the SEC.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 2,305,506 | $33.3M | 0.0% | +240,754 |
| Magnetar Financial LLC | 2,008,234 | $29.0M | 0.3% | +83,824 |
| Alliancebernstein L.P. | 1,528,758 | $24.2M | 0.0% | −758,209 |
| Oddo Bhf Asset Management Sas | 1,470,000 | $21.2M | 1.0% | New |
| Man Group plc | 1,252,360 | $18.1M | 0.0% | −51,809 |
| Vanguard Capital Management LLC | 1,231,381 | $17.8M | 0.0% | +9,505 |
| FIL Ltd | 1,203,780 | $17.4M | 0.0% | −1,689 |
| Qube Research & Technologies Ltd | 1,149,315 | $16.6M | 0.0% | +620,602 |
| Morgan Stanley | 1,072,979 | $15.5M | 0.0% | +930,474 |
| Geode Capital Management, LLC | 998,949 | $14.4M | 0.0% | +145,551 |
| Alpine Associates Management Inc. | 987,150 | $14.3M | 0.9% | +386,152 |
| LMR Partners LLP | 955,810 | $13.8M | 0.1% | +758,993 |
| Hsbc Holdings PLC | 795,197 | $11.5M | 0.0% | +234,612 |
| Alberta Investment Management Corp | 773,196 | $11.2M | 0.1% | +159,796 |
| Polar Asset Management Partners Inc. | 704,613 | $10.2M | 0.2% | +404,737 |
| Millennium Management LLC | 605,976 | $8.8M | 0.0% | +167,900 |
| State Street Corp | 553,369 | $8.0M | 0.0% | −33,928 |
| Gabelli Funds LLC | 525,981 | $7.6M | 0.0% | +120,038 |
| Marshall Wace, Llp | 513,000 | $7.4M | 0.0% | +111,600 |
| American Century Companies Inc | 495,039 | $7.2M | 0.0% | −203,488 |
| Hotchkis & Wiley Capital Management LLC | 371,340 | $5.4M | 0.0% | +4,200 |
| Verition Fund Management LLC | 348,836 | $5.0M | 0.0% | +214,440 |
| GABELLI & Co INVESTMENT ADVISERS, INC. | 333,000 | $4.8M | 0.7% | +60,250 |
| Healthcare Of Ontario Pension Plan Trust Fund | 309,977 | $4.5M | 0.0% | No change |
| Goldman Sachs Group Inc | 269,505 | $3.9M | 0.0% | −260,061 |
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12SEC EDGARRobert Lisy, Chief executive officer
- 13
- 14SEC EDGARJoseph Aguilar, President
- 15SEC EDGARJames J. McEntee Iii., President
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24SEC EDGARKaren Higgins-Carter, Board member
- 25
- 26SEC EDGARDebra A. Bradford, Board member
- 27SEC EDGARLaura I. Maydon, Board member
- 28SEC EDGARChristopher B. Lofgren, Board member
- 29SEC EDGARAdam P. Godfrey, Board member
- 30SEC EDGARJohn Rincon, Board member
- 31SEC EDGARJustin B. Wender, Board member
- 32SEC EDGARKurt Holstein, Board member
- 33SEC EDGARMichael J. Purcell, Board member
- 34SEC EDGARRobert Jahn, Board member
- 35SEC EDGARBetsy Z. Cohen, Board member
- 36SEC EDGARJeremy L. Kuiper, Board member
- 37SEC EDGARShami Patel, Board member
- 38SEC EDGARWalter T. Beach, Board member
- 39SEC EDGARRobert Pargac, General counsel
- 40SEC EDGARErnesto Luciano, General counsel