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International Money Express (IMXI) investor relations material
International Money Express Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Focused on U.S. to Latin America and Caribbean remittance corridors, with expansion into Africa, Asia, and Europe.
2025 saw a 2.2% decrease in principal sent ($23.8B) and an 8.5% drop in transaction volume, attributed to market contraction and changing consumer behavior, partially offset by digital and European growth.
Pending merger with Western Union, with $16.00/share cash offer; most regulatory approvals obtained, closing expected in Q2 2026.
Restructuring plan executed in 2025 to streamline operations, with $0.7M in costs and expected $2.5M annual savings.
Financial highlights
2025 revenues: $607.8M, down 7.7% from $658.6M in 2024.
Net income: $32.7M, down 44% from $58.8M in 2024.
Adjusted Net Income: $50.0M (down 29% YoY); Adjusted EBITDA: $96.9M (down 20% YoY).
Basic EPS: $1.09 (down 39.8% YoY); Adjusted EPS: $1.67 (down 23% YoY).
Operating expenses decreased 2% to $552.1M, with notable reductions in service charges and restructuring costs.
Cash and cash equivalents at year-end: $168.7M.
Outlook and guidance
Merger with Western Union anticipated to close in Q2 2026, pending final regulatory approvals.
Restructuring expected to yield $2.5M in annual cost savings starting Q2 2026.
Continued investment in digital channels and technology to drive future growth.
Next International Money Express earnings date
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