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, 2021 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) (State or other jurisdiction of ...

International Money Express, Inc. (NASDAQ:IMXI) Q2 2021 Earnings Conference Call August 4, 2021 9:00 AM ET Company Participants Mike Gallentine – Vice President of Investor Relations Bob Lisy – Chairman, Chief Executive Officer and President Andras Bende – Chief Financial Officer Conference Call Participants David Scharf – JMP Securities Timothy Chiodo – Credit Suisse Mike Grondahl – Northland Securities Operator Thank you for standing by. This is the conference operator. Welcome to the International Money ...

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, 2021 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) (State or other jurisdiction of incor ...

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, 2021 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) (State or other jurisdiction of inco ...

Financial Data and Key Metrics Changes - Net income was $9 million, a 58% increase compared to the prior year period. Adjusted net income was $10.6 million, an increase of 40% over the prior year period. Adjusted EBITDA increased 27% to $16.8 million, and revenues grew 22% to $94.6 million [9][26]. - Since becoming a public company, revenue has increased 52% from $247 million to $374 million, adjusted EBITDA has increased 78% from $40 million to $71 million, and net income has improved from a loss of $12 million to a gain of $40 million [10]. Business Line Data and Key Metrics Changes - The company generated 8 million remittance transactions in Q1 2021, a 19% increase over Q1 2020. Transactions in emerging markets grew by 39% compared to the first quarter of 2020 [13]. - The adjusted EBITDA margin for the quarter was 17.8%, a 70 basis point improvement compared to Q1 2020 [28]. Market Data and Key Metrics Changes - The company achieved a 20% market share in its core markets, which represent approximately 75% of the entire Latin American market [15]. - Transactions processed through the mobile app increased by 140% compared to the prior year period, and the number of wires deposited directly into bank accounts increased by 47% [19]. Company Strategy and Development Direction - The company focuses on a hybrid strategy, partnering with agents in prime locations to enhance customer service [11]. - The company believes in providing customers with multiple service options, investing in both retail and digital services to cater to diverse consumer needs [18][22]. Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's unique business model and its ability to deliver strong financial performance in both challenging and favorable times [21]. - The company reaffirmed its guidance for adjusted EBITDA and net income, projecting revenue growth between 16% and 18% for the year [29]. Other Important Information - The company has consistently met or exceeded its quarterly EBITDA target in all quarters since going public [10]. - The company is cautious about the sustainability of larger principal amounts sent by consumers, indicating that it is preparing for potential normalization [52]. Q&A Session Summary Question: Geographic mix expansion and revenue contribution from core vs emerging markets - Management noted that emerging markets are growing significantly, contributing around 30% to 40% of transactions, but exact percentages were not disclosed [36]. Question: Persistence of larger principal amounts - Management indicated that larger principal amounts have been consistent and attributed this to ongoing employment in critical sectors, but they remain cautious about future normalization [48][52]. Question: Capital allocation and M&A strategy - The company is focused on M&A opportunities in niche markets and adjacent businesses, while being cautious about overpaying in the current environment [54][58]. Question: Agent location runway and productivity - Management highlighted significant opportunities for growth in the western U.S. and noted that agent activation levels have increased substantially compared to the previous year [70][88].

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, 2020 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) (State or other jurisdictio ...

International Money Express, Inc. (NASDAQ:IMXI) Q3 2020 Earnings Conference Call March 10, 2021 8:30 AM ET Company Participants Mike Gallentine - Vice President of Investor Relations Bob Lisy - Chairman, President & Chief Executive Officer Andras Bende - Chief Financial Officer Randy Nilsen - Chief Revenue Officer Conference Call Participants David Scharf - JMP Securities Mark Palmer - BTIG Josh Beck - KeyBanc Operator Greetings and welcome to the International Money Express Inc. Fourth Quarter and Full Yea ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 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, 2020 OR Commission File No. 001-37986 INTERNATIONAL MONEY EXPRESS, INC. (Exact name of registrant as specified in its charter) Delaware 47-4219082 (State or ot ...

Financial Data and Key Metrics Changes - Intermex generated record net income of $9.5 million, an increase of 135% compared to Q3 2019 [7] - Adjusted net income reached $12 million, up 28% year-over-year [28] - Revenues grew 12% to $95.6 million, driven by a 13% increase in transactions and an 11% increase in customers [7][26] - Adjusted EBITDA increased 16% to $19 million, with an adjusted EBITDA margin of 20%, a 69 basis point improvement year-over-year [26][27] Business Line Data and Key Metrics Changes - The company reported a 13% increase in remittance transactions, totaling 8.7 million compared to the same quarter last year [15] - The average Intermex retailer produced significantly more wires than competitors, contributing to overall transaction growth [11] Market Data and Key Metrics Changes - Intermex increased its market share in core markets (Mexico, Guatemala, Honduras, and El Salvador) to 19.2%, up 80 basis points from the same period in 2019 [16] - In October, the company achieved over 3.1 million transactions, representing a 19% year-over-year growth [17][34] Company Strategy and Development Direction - Intermex focuses on a localized approach to agent recruitment, emphasizing agent productivity and profitability over mere ubiquity [10] - The company is investing in digital offerings, including enhancements to its mobile app and hiring key personnel for its digital strategy [19][20] - The management believes that the brick-and-mortar business model will remain primary for years, while also expanding digital capabilities [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to maintain strong financial performance despite macroeconomic challenges [21] - The company anticipates fourth quarter revenue between $93 million and $95 million, reflecting a year-over-year growth of 12% to 14% [32] Other Important Information - The company converted 55% of adjusted EBITDA to free cash, resulting in $10.5 million in free cash generation, a 79% increase year-over-year [30] - The management team acknowledged the contributions of outgoing CFO Tony Lauro, marking his last quarterly earnings call [22][24] Q&A Session Summary Question: Competitive landscape among agents during the pandemic - Management noted no significant fallout among smaller competitors, but some have weakened positions, providing opportunities for Intermex [38][39] Question: Market penetration in emerging markets - Management indicated that emerging markets are growing faster than core markets, contributing significantly to overall business growth [40] Question: Investment spending and future guidance - Management confirmed plans for increased investment in digital initiatives, although specific numbers were not disclosed [42][46] Question: Consumer behavior changes - Management observed a steady recovery in consumer activity, with increased transaction volumes and new customer additions [58][63] Question: Online user profile and marketing strategies - Management highlighted that online users differ from brick-and-mortar customers, with ongoing efforts to enhance marketing strategies for online growth [49][50][72] Question: Updates on Africa and Canada - Management reported good growth in both Africa and Canada, aided by new payer relationships and business opportunities [55][56] Question: Card program updates - Management is enhancing the card program to better serve unbanked populations in both the U.S. and recipient countries [76]

International Money Express, Inc. (NASDAQ:IMXI) Q2 2020 Earnings Conference Call August 4, 2020 5:00 PM ET Company Participants Michael Gallentine - IR Robert Lisy - Chairman, President & CEO Tony Lauro - CFO Randall Nilsen - Chief Sales & Marketing Officer Conference Call Participants David Scharf - JMP Securities Philip Caldwell - Cowen and Company Michael Grondahl - Northland Capital Markets Alexander Markgraff - KeyBanc Capital Markets Operator Greetings, and welcome to the International Money Express I ...