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International Money Express (IMXI) investor relations material
International Money Express Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary11 Aug, 2025
Executive summary
Q2 2025 revenue was $161.1M, down 6.1% year-over-year, with net income of $11.0M, a 21.4% decrease, mainly due to lower transaction volumes and higher operating expenses.
Adjusted EBITDA for Q2 2025 was $28.8M, down 7.4% year-over-year; Adjusted Net Income was $15.2M, a 15.7% decrease.
A definitive merger agreement was signed with Western Union in August 2025, with shareholders to receive $16.00 per share in cash, pending customary closing conditions.
Digital and European channels showed growth, partially offsetting declines in core retail channels and service fees.
Higher average principal per transaction and digital product growth partially offset lower transaction volumes.
Financial highlights
Q2 2025 revenue: $161.1M (down 6.1% year-over-year); net income: $11.0M (down 21.4% year-over-year).
Six months ended June 30, 2025: revenue $305.4M (down 5.1% year-over-year); net income $18.8M (down 28.0% year-over-year).
Adjusted EBITDA for Q2 2025: $28.8M (down 7.4% year-over-year); for six months: $50.4M (down 10.8% year-over-year).
Basic/diluted EPS for Q2 2025: $0.37 (down 14.0%/11.9% year-over-year); Adjusted EPS: $0.51 (down 7.3%).
Cash and cash equivalents at June 30, 2025: $174.7M; outstanding revolving credit facility: $144.1M.
Outlook and guidance
No financial guidance provided due to the pending Western Union acquisition.
Management expects continued pressure on transaction volumes due to market contraction, especially in the Mexico corridor, but anticipates benefits from digital investments in the mid-to-long term.
Restructuring actions are expected to reduce annual expenses by $2.0M, with most benefits realized in 2026.
The pending merger with Western Union introduces uncertainty regarding future operations and strategy.
Uncertainties regarding Western Union merger completion?
Identify key costs impacting Q2 net income
Explain Net Free Cash Generated increase
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Next International Money Express earnings date
Q3 20257 Nov, 2025
Next International Money Express earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
International Money Express Inc provides money transfer and remittance services primarily between the United States and Latin America. The company offers digital and agent-based transaction platforms that support cross-border payments and financial access. It serves individual and family-based customers. The company is headquartered in Miami, Florida, and its shares are listed on the NASDAQ.
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