Core Insights - International Money Express (IMXI) reported quarterly earnings of $0.38 per share, missing the Zacks Consensus Estimate of $0.54 per share, and down from $0.61 per share a year ago, representing an earnings surprise of -29.63% [1] - The company posted revenues of $154.92 million for the quarter ended September 2025, missing the Zacks Consensus Estimate by 5.16%, and down from $171.95 million year-over-year [2] - The stock has underperformed, losing about 27.3% since the beginning of the year compared to the S&P 500's gain of 14.4% [3] Earnings Outlook - The current consensus EPS estimate for the coming quarter is $0.53 on revenues of $160.85 million, and for the current fiscal year, it is $1.93 on revenues of $629.7 million [7] - The estimate revisions trend for International Money Express was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Financial Transaction Services industry, to which International Money Express belongs, is currently in the bottom 35% of over 250 Zacks industries, suggesting potential challenges for stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

SECURITIES AND EXCHANGE COMMISSION UNITED STATES 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, 2025 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) 9100 South Dadeland Blvd. Suite ...

Core Points - The Ademi Firm is investigating Intermex for potential breaches of fiduciary duty and other legal violations related to its transaction with Western Union [1][3] - In the tender offer, Intermex shareholders will receive $16.00 per share, totaling approximately $500 million in equity and enterprise value [2] - The transaction agreement restricts competing offers for Intermex by imposing significant penalties for accepting alternative bids, raising concerns about the board's fiduciary responsibilities [3] Company and Industry Summary - The investigation by the Ademi Firm focuses on the conduct of Intermex's board of directors regarding their obligations to shareholders during the transaction process [3] - The deal structure includes substantial benefits for Intermex insiders as part of the change of control arrangements, which may further complicate the fiduciary duty considerations [2]

Core Insights - International Money Express, Inc. (Intermex) has formed a strategic alliance with Caribe Express to enhance money remittance services between the United States and the Dominican Republic [1][2][5] Group 1: Partnership Details - The partnership aims to strengthen cross-border financial connectivity and provide fast, secure, and reliable money transfer solutions [2][5] - Intermex will utilize its advanced digital infrastructure to improve the speed, transparency, and convenience of remittance transactions [3][4] - Caribe Express contributes decades of market expertise and a vast payout network, enhancing the overall customer experience [3][5] Group 2: Strategic Goals - This collaboration is part of Intermex's digital growth strategy, focusing on creating a streamlined and user-centered experience for customers [4] - The alliance is expected to solidify both companies' leadership in the remittance market to the Dominican Republic [5] - The partnership emphasizes a shared commitment to innovation, financial inclusion, and exceptional service [5] Group 3: Company Background - Intermex, founded in 1994, facilitates money transfers from multiple countries to over 60 destinations worldwide [6] - The company operates through various channels, including agent retailers, company-operated stores, mobile apps, and websites [6] - Intermex is headquartered in Miami, Florida, with international offices in several countries [6]

Core Insights - Upslope Capital Management reported a strong performance in Q3 2025, achieving a net return of +8.8%, outperforming the S&P Midcap 400 ETF and HFRX Equity Hedge Index [1] - The fund highlighted International Money Express, Inc. (NASDAQ:IMXI) as a key stock, noting its recent performance and market capitalization [2] Company Overview - International Money Express, Inc. (NASDAQ:IMXI) is a financial technology company based in Miami, Florida, specializing in money remittance services [2][3] - As of October 22, 2025, IMXI's stock closed at $14.76 per share, with a market capitalization of approximately $1.44 billion [2] Performance Analysis - IMXI experienced a one-month return of 4.26%, but its shares have declined by 15.78% over the past 52 weeks [2] - Upslope Capital Management had been monitoring IMXI for several quarters and had a small starter position before increasing its investment due to perceived acquisition potential [3] Strategic Insights - The company faced pressure on its stock price due to uncertainties surrounding immigration policy, which raised concerns about its financial stability [3] - Following the announcement of Western Union's acquisition of IMXI at a 60% premium, Upslope sold most of its position, indicating a successful short-term investment strategy [3] Hedge Fund Interest - At the end of Q2 2025, 57 hedge fund portfolios included IMXI, reflecting a slight increase from the previous quarter [4] - Despite the interest in IMXI, some analysts suggest that certain AI stocks may offer better upside potential with less downside risk [4]

Core Viewpoint - The expiration of the waiting period under the Hart-Scott-Rodino Antitrust Improvements Act is a significant regulatory milestone for Western Union's planned acquisition of Intermex, which is expected to close in mid-2026, pending other regulatory approvals and stockholder consent [1][2]. Company Overview Western Union - Western Union is a global leader in cross-border, cross-currency money movement and digital financial services, operating in over 200 countries and territories with more than 130 currencies [3]. - The company aims to provide accessible financial services to help individuals and communities prosper [3]. Intermex - Intermex, founded in 1994, utilizes proprietary technology to facilitate money transfers from the U.S., Canada, Spain, Italy, the U.K., and Germany to over 60 countries [4]. - The company operates through a network of agent retailers, company-operated stores, mobile apps, and websites, fulfilling transactions via thousands of retail and bank locations globally [4].

Core Insights - International Money Express, Inc. (Intermex) has expanded its Payroll Card Program in partnership with Central Payments, allowing U.S. employers to digitize payroll disbursement at no additional cost, thus eliminating the need for paper checks or cash handling [1][2] - The initiative aims to provide employees with fast and secure access to their wages, promoting financial inclusion and reducing costs associated with cashing checks [2][3] - A new feature allows Intermex Payroll cardholders to send international wires with no transfer fee directly from the Intermex mobile app and web platform, enhancing the convenience of payroll and remittance services [3][4] Company Overview - Intermex, founded in 1994, facilitates money transfers from the U.S., Canada, Spain, Italy, the U.K., and Germany to over 60 countries, utilizing various platforms including agent retailers and mobile apps [5] - The company is headquartered in Miami, Florida, with international offices in Puebla, Mexico; Guatemala City, Guatemala; London, England; and Madrid, Spain [5] Partnership Details - The collaboration between Intermex and Central Payments aims to integrate payroll, payments, and remittances into a seamless digital experience, empowering employees and their families [3] - Central Payments specializes in payment programs for various financial services, enhancing the capabilities of Intermex's offerings [6]

Core Viewpoint - The Ademi Firm is investigating Intermex for potential breaches of fiduciary duty and other legal violations related to its transaction with Western Union [1]. Group 1 - Intermex shareholders are set to receive $16.00 per share in cash as part of the tender offer transaction [1].

Core Insights - International Money Express, Inc. (Intermex) has announced a strategic partnership with Zeepay to enhance money remittance services for African communities abroad, particularly targeting Africans in the United States [1][2] - The collaboration will utilize Intermex's Wire-as-a-Service platform combined with Zeepay's regional network to facilitate money transfers across Africa and expand services through Zeepay's retail stores in the U.S. and digital channels in Europe [2][3] Company Overview - Intermex, founded in 1994, specializes in enabling money transfers from various countries to over 60 destinations, utilizing a network of agent retailers, company-operated stores, mobile apps, and websites [5] - The company is headquartered in Miami, Florida, with international offices in Puebla, Guatemala City, London, and Madrid [5] - Zeepay is a Ghanaian fintech company focused on mobile financial services, regulated by the Bank of Ghana and the UK Financial Conduct Authority, with a strong emphasis on remittances and mobile money [4]

Group 1 - Class Action Attorney Juan Monteverde's firm, Monteverde & Associates PC, has recovered millions for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report [1] - The firm is investigating International Money Express, Inc. (NASDAQ: IMXI) regarding its proposed sale to The Western Union Company, where shareholders are set to receive $16.00 in cash per share [1] - The firm operates from the Empire State Building in New York City and has a successful track record in trial and appellate courts, including the U.S. Supreme Court [2] Group 2 - The firm encourages shareholders with concerns to visit their website or contact Juan Monteverde for additional information free of charge [3] - Monteverde & Associates PC emphasizes that not all law firms are equal and highlights the importance of discussing with a lawyer before hiring a firm [2][4]