4th Quarter 2023 Earnings Presentation Safe Harbor Statement / Non-GAAP Financial Measures This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, which reflect our current views concerning certain events that are not historical facts but could affect our future performance, including but without limitation, statements regarding our plans, objectives, financial performance, business strategies, projected results of opera ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to Commission File No. 001-37986 INTERNATIONAL MONEY EXPRESS, INC. (Exact name of registrant as specified in its charter) Delaware 47-4219082 (State ...

Exhibit 99.1 Intermex Reports Fourth Quarter and Full Year Results Company generates strong earnings and margins, continued execution of omnichannel strategy Company to Host Conference Call Today at 9 a.m. ET MIAMI, (February 27, 2024) – International Money Express, Inc. (NASDAQ: IMXI) (“Intermex” or the “Company”), one of the nation’s leading omnichannel money transfer services to Latin America and the Caribbean, today reported strong operating results for the fourth quarter and full year 2023. Financial p ...

财务数据和关键指标变化 - 总收入增长22.5%,达到1.724亿美元 [8] - 调整后EBITDA增长14%,达到3,170万美元 [49] - 调整后每股收益下降5.6%,至0.51美元 [55] - 净自由现金流下降4.6%,至1,760万美元 [56] 各条业务线数据和关键指标变化 - 核心业务交易量增长6%,预计第四季度将增长8% [21][22] - 数字业务交易量增长63% [44] - 现金和无现金交易占比达33%,同比增加5个百分点 [44] - 平均汇款金额下降4.7%,至429美元 [46] 各个市场数据和关键指标变化 - 在拉美和加勒比海地区前5大接收国的市场份额增至21.8% [24] - 墨西哥市场增长放缓,公司采取针对性定价策略应对 [19][20][21] - 欧洲业务I-Transfer增长15% [31] 公司战略和发展方向及行业竞争 - 公司采取全渠道策略,零售网络为数字业务发展提供支持 [12][17][18][39][40] - 数字业务发展良好,毛利率和盈利能力均有提升 [32][33][34] - 收购La Nacional和I-Transfer业务,提升整体效率和盈利能力 [25][26][28][30] - 推出payroll和GPR卡产品,拓展服务范围 [35][36] - 行业内价格竞争持续,公司采取精准定价策略应对 [19][20][63][64][65] 管理层对经营环境和未来前景的评论 - 墨西哥汇率波动对零售市场产生影响,公司采取针对性策略应对 [19][20][21] - 欧洲市场增长潜力大,公司将有计划地进行投资和扩张 [29][30][31] - 数字业务发展前景乐观,公司有信心实现盈利增长 [32][33][34][39] 问答环节重要的提问和回答 问题1 **David Scharf 提问** 公司是否已超出预期捕获零售交易量 [63][64] **Robert Lisy 回答** 公司已调整策略,在保护核心业务高毛利的同时,积极获取增量交易量,取得良好成效 [64][65][66][67] 问题2 **Michael Grondahl 提问** 公司针对不同市场的定价策略执行情况如何 [71][72][73][74][75] **Robert Lisy 回答** 公司采取精准定价策略,保护核心高毛利业务,同时有选择性地进行价格调整以获取增量交易量,取得良好成效 [72][73][74][75] 问题3 **Alexander Markgraff 提问** 公司对未来收入和毛利水平的预期如何 [90][91] **Robert Lisy 回答** 公司认为当前的收入和毛利水平是合理的,未来将保持稳定 [91]

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-37986 INTERNATIONAL MONEY EXPRESS, INC. (Exact name of registrant as specified in its charter) Delaware 47-4219082 (State ...

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-37986 INTERNATIONAL MONEY EXPRESS, INC. (Exact name of registrant as specified in its charter) Delaware 47-4219082 (State or o ...

财务数据和关键指标变化 - 总交易额增长19.5%至64亿美元,其中核心业务增长6.7% [45][46][47] - 总收入增长23.5%至1.692亿美元,其中核心业务增长6.7% [48][49] - 调整后EBITDA增长11.7%至3,090万美元 [51] - 调整后每股收益增长6.4%至0.50美元 [52] - 净自由现金流为1,300万美元,剔除i-Transfer收购影响后为1,850万美元,同比增7% [53][54] 各条业务线数据和关键指标变化 - 数字业务交易量增长63% [44][50] - 数字业务收入占比持续提升 [44][50] - 收购La Nacional后,平均交易金额有所下降 [46][47] 各个市场数据和关键指标变化 - 拉美及加勒比地区前5大市场增速从去年同期15%下降至8% [10][11] - 公司在拉美及加勒比地区前5大市场的市场份额从22.4%提升至21.7% [18][19] 公司战略和发展方向及行业竞争 - 公司调整销售团队架构,增加区域和销售区域,以更好开发未开发市场 [21][22][23][26] - 公司将在定价上更加积极主动,在一些市场采取更具竞争力的定价策略 [13][14][68][69] - 收购La Nacional后,正在整合其美国业务,并计划在欧洲i-Transfer业务实现快速增长 [27][28][29][30][31] - 公司正在开发薪资卡和预付费卡业务,未来有望成为重要收入和利润来源 [32][33][34][35][36] - 公司数字业务保持高速增长,未来仍有较大增长空间 [37][38][39][40] 管理层对经营环境和未来前景的评论 - 市场增速放缓,部分竞争对手采取更加激进的价格策略 [10][11][12][13] - 公司将采取更积极主动的定价策略,在一些市场更具竞争力,但不会追随价格战 [13][14][68][69] - 相信价格竞争将会缓解,公司有信心通过差异化服务和运营效率维持盈利能力 [14][16][17] - 公司看好欧洲市场的增长潜力,以及薪资卡和预付费卡业务的发展前景 [27][28][29][32][33] 问答环节重要的提问和回答 问题1 **Mike Grondahl 提问** 询问公司调整销售团队架构的具体情况 [62][63][64][65] **Bob Lisy 回答** 详细解释了公司调整销售团队的目的和具体措施 [63][64][65][66][67] 问题2 **Mayank Tandon 提问** 询问市场增速放缓的时间节点和原因 [77][78][79] **Andras Bende 回答** 说明了市场增速从第一季度的12%下降到第二季度的8%,这超出了公司的预期 [78][79][80][81][82][83][84][85] 问题3 **David Scharf 提问** 询问价格竞争的广泛程度 [92][93][94][95][96][97][98][99][100][101] **Bob Lisy 回答** 表示价格竞争较为广泛,公司将采取更积极的定价策略来应对 [95][96][97][98][99][100][101]

2nd Quarter 2023 Earnings Presentation August 2, 2023 EXPERIENCE ● TRUST ● INNOVATION ● GROWTH Safe Harbor Statement / Non-GAAP Financial Measures This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, which reflect our current views concerning certain events that are not historical facts but could affect our future performance, including but without limitation, statements regarding our plans, objectives, financial perf ...

International Money Express, Inc. (NASDAQ:IMXI) Q1 2023 Results Conference Call May 4, 2023 9:00 AM ET Company Participants Mike Gallentine - VP of Investor Relations Bob Lisy - Chairman, Chief Executive Officer and President Andras Bende - Chief Financial Officer Conference Call Participants Mayank Tandon - Needham and Company David Scharf - JMP Securities Mike Grondahl - Northland Securities Chris Zhang - Credit Suisse Alex Markgraff - KeyBanc Capital Markets Operator Good morning, and welcome to Internat ...

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-37986 INTERNATIONAL MONEY EXPRESS, INC. (Exact name of registrant as specified in its charter) Delaware 47-4219082 (State or ...