Financial Data and Key Metrics Changes - Total revenue for Q1 2025 was $144.3 million, down from $150.4 million in the same period last year [19] - Net income was $7.8 million, with adjusted EBITDA at $21.6 million and adjusted diluted EPS at $0.35 per share, all down year over year [10][24] - Total principal amount sent increased by 4% year over year, indicating underlying strength despite transaction volume decline [10][19] Business Line Data and Key Metrics Changes - Digital transactions grew nearly 70% year over year, with expectations of further growth to about 80% in April [13][31] - Retail transactions, however, saw a decline of over 5%, with the average transaction amount increasing but fewer transactions overall [19][20] - The company focused on optimizing its retail operations, improving transaction processing time from 20 seconds to 9 seconds [12] Market Data and Key Metrics Changes - Total volume sent increased in four out of five top markets, but transaction counts decreased in the same markets [11] - The company noted a shift in consumer behavior, with larger amounts being sent less frequently, impacting transaction growth and fee income [8][20] Company Strategy and Development Direction - The company is investing heavily in its digital business as part of its omnichannel strategy, viewing it as critical for future growth [13][15] - Strategic partnerships and targeted investments in retail are being prioritized to enhance profitability and operational efficiency [11][12] - The company is also focused on maintaining strong cash flow and profitability while navigating a challenging macroeconomic environment [17][26] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the resilience of the remittance market to Latin America, despite current challenges [7][10] - The company is revising its full-year guidance due to increased uncertainty and volatility in market conditions [25] - Management believes that the retail market will recover over time, while digital growth is expected to continue at high rates [33][37] Other Important Information - The company ended the quarter with $151.8 million in cash and generated over $10 million in free cash flow [17][24] - The company has initiated a restructuring process to achieve approximately $2 million in annual savings [16] Q&A Session Summary Question: Near term trends and retail vs digital behavior - Management noted that digital growth is significantly outpacing retail, with digital transactions growing at 70% year over year [31][32] Question: Revised full-year guidance and revenue trajectory - Management indicated that while digital investments may not immediately improve margins, they are expected to drive revenue growth [40][41] Question: Retention metrics and digital performance - Retail customer acquisition costs are approximately $2,500 per retailer, with payback expected in about seven months [50] Question: Monthly cadence and retail foot traffic stabilization - Management does not typically provide monthly comparisons due to variability but noted that February had a downturn compared to January [58][60] Question: Digital growth and Amigo Paizano's impact - Management clarified that the 70% digital growth was organic and not aided by Amigo Paizano [108]

Financial Data and Key Metrics Changes - Total revenue for Q1 2025 was $144.3 million, down from $150.4 million in the same period last year [19] - Net income was $7.8 million, with adjusted EBITDA at $21.6 million and adjusted diluted EPS at $0.35 per share, all showing year-over-year declines [10][24] - Total volume sent increased by 4%, while total transactions sent decreased by over 5% year-over-year [19][20] Business Line Data and Key Metrics Changes - Retail transactions remain the foundation of the business, but the number of transactions decreased while the principal amount sent increased [10][11] - Digital transactions grew nearly 70% year-over-year, indicating strong growth in the digital segment [13][21] - The company invested more in digital marketing than ever before, which is expected to continue driving growth [13][15] Market Data and Key Metrics Changes - Four out of five top markets saw a decrease in transactions sent, despite total volume sent increasing significantly [11][19] - The overall market for remittances to Latin America remains resilient, but consumer behavior is shifting towards sending larger amounts less frequently [8][20] Company Strategy and Development Direction - The company is focused on maintaining profitability while strategically investing in growth, particularly in the digital business [27] - The integration of La Nationale agents onto the Intermex tech platform is expected to streamline operations and reduce costs [16] - The company is committed to enhancing its omnichannel strategy, with digital being a critical component for future growth [13][18] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenging economic, political, and immigration backdrop affecting the business model [7] - There is a belief that the current consumer behavior shift is not long-term, and the retail market will recover [34][106] - The company is revising its full-year guidance due to increased uncertainty and volatility in market conditions [25][26] Other Important Information - The company ended the quarter with $151.8 million in cash and generated over $10 million in free cash flow [17][24] - Total debt decreased to $147.4 million from $156.6 million at year-end [24] Q&A Session Summary Question: Near-term trends and behavior on retail vs digital side - Management noted that digital transactions grew much faster than retail, with digital growth at 70% year-over-year and increasing to 80% in April [32][34] Question: Revised full-year guidance and revenue trajectory - Management indicated that while revenue growth may improve, margins may not see significant improvement due to ongoing investments in digital [40][44] Question: Retention metrics and digital growth - Retail customer acquisition costs are about $2,500 per retailer, with payback in about seven months, while digital retention is slightly better than the prior quarter [50][55] Question: Monthly cadence and retail foot traffic stabilization - Management explained that they do not typically analyze monthly data due to variability but noted that retail performance is relatively stable [60][62] Question: Digital investment strategy - The company is committed to continuing its digital investments, viewing it as essential for future growth [71][72] Question: Impact of larger principal amounts on quarter performance - Management confirmed that if transactions had been at more normalized amounts, revenue could have been $7 million to $10 million higher [82]

Financial Data and Key Metrics Changes - Total revenue for Q1 2025 was $144.3 million, down from $150.4 million in the same period last year [18] - Net income decreased to $7.8 million, with adjusted EBITDA at $21.6 million and adjusted diluted EPS at $0.35 per share [8][24] - Total volume sent increased by 3.7% year over year, while total transactions sent decreased by just over 5% [18][19] Business Line Data and Key Metrics Changes - Retail transactions remain the foundation of the business, but the number of transactions decreased while the principal amount sent increased by 4% [8][9] - Digital transactions grew nearly 70% year over year, indicating strong growth in the digital segment [12][20] - The company experienced a decline in money transfer fees due to larger send amounts and fewer transactions [7][20] Market Data and Key Metrics Changes - Four out of five top markets saw a decrease in transactions sent, despite an increase in total volume sent [9] - The overall market for remittances to Latin America remains resilient, but consumer behavior is shifting towards sending larger amounts less frequently [7][19] Company Strategy and Development Direction - The company is focused on investing in its digital business offerings to increase revenue contribution and profitability [25] - Operational upgrades have improved transaction processing times, enhancing the agent experience [11] - The company plans to ramp up digital marketing investments to drive customer acquisition and retention [12][14] Management's Comments on Operating Environment and Future Outlook - Management noted that the current economic, political, and immigration backdrop presents challenges, but the underlying business remains strong [6] - There is an expectation that the trend of larger principal amounts sent less frequently will continue in the near term, but management believes the retail market will recover [35][89] - The company is revising its full-year guidance due to increased uncertainty and volatility in market conditions [25] Other Important Information - The company ended the quarter with $151.8 million in cash and generated over $10 million in free cash flow [16][24] - The company completed the shutdown of an offshore operations center, anticipating approximately $2 million in annual savings [15] Q&A Session Summary Question: Near term trends in retail vs digital - Management indicated that digital transactions are growing much faster than retail, with digital growth at 70% year over year and increasing to 80% in April [32][34] Question: Revised full year guidance - Management expects revenue growth to improve in the second half of the year, driven by digital investments and targeted retail strategies [39][42] Question: Retention metrics and digital performance - Retention in digital is slightly better than the prior quarter, despite increased marketing investments [54] Question: Monthly cadence and retail foot traffic - Management does not typically provide month-to-month comparisons due to variability but noted that February had a slight downturn compared to January [58][60] Question: Investment in digital - The company is committed to continuing its investment in digital, viewing it as essential for future growth [69][70] Question: Principal amounts and transaction dynamics - Management confirmed that the shift to larger principal amounts sent less frequently was a primary reason for the softer quarter and revised guidance, estimating a potential revenue impact of $7 million to $10 million [80][84]

Financial Performance - Revenue decreased by 4.1% year-over-year to $144.3 million[6] - Net income decreased by 35.5% year-over-year to $7.8 million[6] - Adjusted net income decreased by 25.9% year-over-year to $10.9 million[6] - Diluted EPS decreased by 28.6% year-over-year to $0.25[6] - Adjusted diluted EPS decreased by 18.6% year-over-year to $0.35[6] - Adjusted EBITDA decreased by 15.0% year-over-year to $21.6 million[6] Operational Metrics - Active and unique customers decreased by 1.6% year-over-year to approximately 3.5 million[9] - Money transfer transactions decreased by 5.2% year-over-year to 12.8 million[9] - Total principal sent increased by 3.7% year-over-year to $5.6 billion[9] - Digital transactions increased by 68.5% year-over-year to 0.8 million[9] - Revenue from digital transactions increased by 29.8% year-over-year to $4.9 million[9] Liquidity and Capital Allocation - Cash and cash equivalents were $152 million[19] - Undrawn revolver capacity at March 31 was $278 million[19] - Total debt was $147 million[20] - Debt to Adjusted EBITDA (trailing twelve months) was 1.3x[20] - $5.0 million was allocated to stock buybacks in Q1 2025[24] 2025 Outlook - The company projects revenue between $634.9 million and $654.2 million[27] - The company projects Adjusted EBITDA between $103.6 million and $106.8 million[27] - The company projects Diluted EPS between $1.53 and $1.65[27] - The company projects Adjusted Diluted EPS between $1.86 and $2.02[27]

Core Insights - Intermex reported solid volume growth of 3.7% year-over-year, despite a 4.1% decline in total revenues to $144.3 million due to changes in consumer sending behavior [3][4] - The company’s net income decreased by 35.5% to $7.8 million, with diluted earnings per share down 28.6% to $0.25, primarily driven by lower transaction volumes [4][5] - Adjusted net income was $10.9 million, a decrease of 25.9%, with adjusted diluted earnings per share at $0.35, down 18.6% [5][6] Financial Performance - Total principal amount transferred increased by 3.7% to $5.6 billion, while the number of money transfer transactions decreased by 5.2% to 12.8 million [3][4] - Adjusted EBITDA fell by 15.0% to $21.6 million, reflecting the same trends impacting net income [6][8] - The company ended the quarter with $151.8 million in cash and cash equivalents, and net free cash generated was $10.3 million, up from the previous year [7][8] Strategic Developments - Intermex is revising its full-year guidance due to increased market uncertainty and volatility, focusing on long-term investments in digital business offerings [10][11] - The company incurred $1.2 million in transaction costs related to strategic evaluations and $0.3 million in restructuring costs primarily for foreign operations [8][9] - Share repurchase activity resulted in a reduction of share count, positively impacting diluted earnings per share [5][9] Guidance - For full-year 2025, Intermex projects revenues between $634.9 million and $654.2 million, with diluted EPS expected to be between $1.53 and $1.65 [11][10] - Adjusted diluted EPS is forecasted to range from $1.86 to $2.02, and adjusted EBITDA is expected to be between $103.6 million and $106.8 million [11][10]

Exhibit 99.1 Intermex Reports First-Quarter Results Company reports solid volume growth, continued execution of omnichannel strategy Company to Host Conference Call Today at 9 a.m. ET MIAMI, (May 7, 2025) – International Money Express, Inc. (NASDAQ: IMXI) ("Intermex" or the "Company"), one of the nation's leading global omnichannel money transfer services to Latin America and the Caribbean, today reported financial and operating results for the first quarter of 2025. Financial performance highlights for the ...

Group 1 - Purcell & Lefkowitz LLP is investigating International Money Express, Inc. to determine if its directors breached fiduciary duties related to recent corporate actions [1] - The investigation is being conducted on behalf of the shareholders of International Money Express, Inc. [1] - Shareholders interested in their rights and options can obtain additional information from Purcell & Lefkowitz LLP [2] Group 2 - Purcell & Lefkowitz LLP specializes in representing shareholders who are victims of securities fraud and breaches of fiduciary duty [3] - The firm offers consultations at no cost or obligation to shareholders regarding the case [2][3]

Company Overview - International Money Express, Inc. (Intermex) was founded in 1994 and specializes in enabling consumers to send money from the United States, Canada, and Europe to over 60 countries [2] - The company utilizes proprietary technology for digital money transfers through a network of agent retailers, company-operated stores, a mobile app, and websites [2] - Intermex is headquartered in Miami, Florida, with international offices in Puebla, Mexico; Guatemala City, Guatemala; London, England; and Madrid, Spain [2] Upcoming Earnings Release - Intermex will release its First Quarter 2025 earnings before the market opens on May 7, 2025 [1] - A conference call hosted by the management team will take place on the same day at 9:00 am ET to discuss financial performance and operational achievements [1] Investor Relations - Interested parties can access the live broadcast of the conference call via the Investor Relations section of Intermex's website [3] - To participate in the call via telephone, registration is required to receive a dial-in number and unique PIN [3] - An archived webcast of the conference call will be available for one year on Intermex's website following the event [3]

Core Insights - International Money Express, Inc. (Intermex) has launched a new mobile platform called Intermex SOMA to enhance real-time visibility for agents in managing their businesses [1][4] - The app is designed to simplify operations for store owners, allowing them to track performance metrics, monitor commissions, and receive real-time alerts [2][3] - Intermex SOMA is part of the company's broader commitment to digitization and omnichannel strategies, with plans for future updates to expand its functionality [4] Company Overview - Intermex was founded in 1994 and specializes in money remittance services to over 60 countries from various locations including the United States, Canada, and Europe [5] - The company utilizes proprietary technology to facilitate digital money transfers through its website, mobile app, and a network of retail agents and stores [5] - Headquartered in Miami, Florida, Intermex also has international offices in Puebla, Guatemala City, London, and Madrid [5]

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, 2024 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 | ...