International Money Express, Inc. (IMXI) Fair Value 2026

IMXI · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 13 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-28, International Money Express, Inc. (IMXI) trades at $14.47, versus a $18.71 median fair value across its 13 active models — 29.3% above the current price. QOC: 7.9/10. Value Trap Risk: 6/100 (SAFE). 13/13 models active. Within that set, the Bayesian DCF component alone returns $8.88.

Key Facts

Ticker
IMXI
Price
$14.47
Quality Score
7.9/10
Value Trap Risk
6/100
Models Active
13/13
Last Updated
Strength: First Chicago suggests +288.0% upside with 55% confidence
Risk: Limited model coverage (13/13) may reduce confidence

Is International Money Express, Inc. (IMXI) Undervalued or Overvalued in 2026?

According to CirclFi’s 13-model valuation engine, International Money Express, Inc. (IMXI) appears undervalued as of : the median of 13 independent fair value estimates is $18.71, 29.3% above the current price of $14.47. Estimates range from $3.17 to $56.15. IMXI scores 7.9/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. IMXI’s +29.3% gap is wider than that market norm, and the Software - Infrastructure sector median is -23.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy International Money Express, Inc. Stock in 2026? →

What Fair Value Does Each Model Give IMXI?

13 Intrinsic Value Models vs. Current Price ($14.47)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $8.88 -38.6%
Intrinsic · High Conviction
 $24.39 +68.5%
Ensemble · Low Conviction
 $18.34 +26.7%
Scenario · High Conviction
 $56.15 +288.0%
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What Is IMXI's Fair Value Range?

Spread across 13 independent models · $3.17 to $56.15

CirclFi's 13 active models place International Money Express, Inc. (IMXI) between $3.17 and $56.15 per share, a spread of 283% of the median. The median of that range — $18.71 — is the fair value CirclFi publishes for IMXI, against a current price of $14.47.

Low · ML-RIVHigh · First Chicago
$3.17median $18.71$56.15
Where the range comes from
Most bearish modelML Residual Income$3.17
Most bullish modelFirst Chicago$56.15
Model agreement9 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for IMXI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on IMXI, not a CirclFi price target. How each model works →

What Is International Money Express, Inc. (IMXI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, International Money Express, Inc.'s intrinsic value is estimated at $18.71, suggesting a +29.3% median upside from the current price of $14.47. While 9 models see room for appreciation, model agreement is not unanimous as 4 models flag potential overvaluation. Model dispersion is worth noting: First Chicago targets $56.15 (+288.0%), versus ML-RIV at $3.17 (-78.1%). This +366.1% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About IMXI?

13 of 13 models are currently active for IMXI. Of these, 9 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for IMXI is $18.71 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $8.88 on its own, implying -38.6% downside from the current price. See which stocks rank higher →

How Does IMXI Rank in Software - Infrastructure?

Among 189 Software - Infrastructure stocks, IMXI ranks #53 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Software - Infrastructure Stocks →

Within the Software - Infrastructure space, International Money Express, Inc. competes in an environment where gross margin profile often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is IMXI a Value Trap?

CirclFi's Value Trap algorithm assigns IMXI a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

13 of 13 models are active for International Money Express, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, International Money Express, Inc. is rated at 7.9/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +366.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every IMXI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across IMXI's 13 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy International Money Express, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

RPDRapid7, Inc.QOC 7.9NETCloudflare, Inc.QOC 7.9VRSNVeriSign, Inc.QOC 8.0MDBMongoDB, Inc.QOC 7.9WEXWEX Inc.QOC 8.0PRTHPriority Technology Holdings, Inc.QOC 7.9RPAYRepay Holdings CorporationQOC 5.8BCRDBlueOne Technologies, Inc.QOC 4.8ATENA10 Networks, Inc.QOC 9.3FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: RPD · NET · VRSN · MDB · WEX · PRTH · RPAY · BCRD · ATEN · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to IMXI?

7 companies across all industries closest to IMXI’s Quality of Company score of 7.9/10.

CLXThe Clorox CompanyQOC 7.9HPQHP Inc.QOC 7.9GSBCGreat Southern Bancorp, Inc.QOC 7.9AUBAtlantic Union Bankshares CorporationQOC 7.9MDPediatrix Medical Group, Inc.QOC 7.9NRPNatural Resource Partners L.P.QOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CLX · HPQ · GSBC · AUB · MD · NRP · NVDA

Where Does IMXI Sit in CirclFi's Software - Infrastructure Rankings?

IMXI is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About International Money Express, Inc.’s Valuation?

What is International Money Express, Inc.'s intrinsic value in 2026?

CirclFi puts International Money Express, Inc. (IMXI)'s intrinsic value at $18.71 — the median of 13 independent model estimates as of 2026-08-28, ranging from $3.17 to $56.15. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $8.88 on its own. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is IMXI overvalued or undervalued right now?

At $14.47, 9 of 13 active models suggest IMXI may be undervalued, while 4 indicate potential overvaluation. The median of all 13 fair value estimates is $18.71, 29.3% above the current price of $14.47 — a consensus view that IMXI is undervalued. The assessment depends on which methodology best fits International Money Express, Inc.'s business model in Software - Infrastructure.

What does a Quality of Company score of 7.9 mean for IMXI?

International Money Express, Inc.'s QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on IMXI?

CirclFi analyzes IMXI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 13 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on IMXI?

Of the 13 models currently active on IMXI, First Chicago is the most bullish at $56.15 per share, and ML Residual Income is the most bearish at $3.17. CirclFi's published fair value for IMXI is the median of that range, $18.71, not either extreme. The gap between the two ends equals 283% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is IMXI a value trap in 2026?

International Money Express, Inc.'s Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 13-model valuation engine, International Money Express, Inc. (IMXI) has a median fair value of $18.71 — 29.3% above the current price of $14.47 — as of 2026-08-28.” Source: circlfi.com/stock/IMXI/ · Methodology
Primary sources for this IMXI valuation
  • Financial statements: International Money Express, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001683695) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for IMXI as of ; valuations recomputed .

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