2nd Quarter 2023 Earnings Presentation 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 operations, and expectations for the Company. These state ...

Financial Data and Key Metrics Changes - Revenue increased by 27% year-over-year, reaching $145.4 million during the quarter [56] - Net income rose just under 1% to $11.8 million, while GAAP EPS growth was about 3% [57] - Adjusted EBITDA increased more than 16% to $24.1 million, benefiting from strong revenue growth [83] - Cash balance at the end of the quarter was $85.5 million, with a strong net free cash generated of almost $14 million, up more than 37% from the previous year [58][84] Business Line Data and Key Metrics Changes - Digitally originated transactions grew by 68%, with 30% of transactions sent or received digitally, up almost 5% from a year ago [44] - The average remittance amount decreased by 5% year-over-year to $415 per transaction, primarily due to lower average transaction amounts to the Dominican Republic [81] - Unique active customers increased by 37% to 3.6 million, generating a record 12.9 million remittance transactions, which is 29% more than a year ago [54] Market Data and Key Metrics Changes - The company estimates its 2022 market share in the top five Latin American receiving countries was just over 20%, up 150 basis points from the first quarter of last year [45] - Total principal transfer grew by 22% to $5.3 billion, driven by the strength of the core business and the addition of La Nacional [81] Company Strategy and Development Direction - The company is focused on expanding its footprint in key ZIP codes with a differentiated value proposition for consumers and agent partners [52] - Investments in Europe are being made to capture growth opportunities, with a focus on Spain, Italy, and potential expansion into France and the U.K. [63] - The integration of La Nacional's U.S. business is underway, with a focus on rightsizing the retail network and maximizing efficiencies and margins [76] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth potential in the Western states, where there is significant unfilled market opportunity [42] - The company is cautious about competition but emphasizes execution, market analysis, and return on investment as key focus areas [13] - Management expects to achieve an EBITDA margin of 9% to 11% by late 2023 or early 2024 [52] Other Important Information - The company has authorized an additional $100 million for share repurchases, with over 3.1 million shares repurchased for about $66.9 million [58] - The company plans to communicate guidance in three metrics: revenue, EPS, and adjusted EBITDA starting with the Q2 earnings release [61] Q&A Session Summary Question: What triggered the hiring of 12 regional directors? - Management indicated that the hiring was to drive agent growth and respond to market opportunities, particularly in the West [25][28] Question: Can you provide an update on the value-added services and their contribution to revenue? - Management clarified that value-added services are considered standalone products, with expectations for significant revenue contributions in the future [34] Question: How should investors think about market share and growth opportunities? - Management emphasized a bottom-up approach to assessing market share, focusing on underserved ZIP codes and recognizing the potential for growth in various Latin American countries [106][107]

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 (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. ...

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, 2022 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 None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securit ...

13 Capital Allocation Priorities INTERNATIONAL MONEY EXPRESS Current liabilities: Current portion of long-term debt, net $ 4,975 $ 3,882 Accounts payable 25,686 23,151 Wire transfers and money orders payable, net 112,251 56,066 Accrued and other liabilities 41,855 33,760 Long-term debt, net 150,235 79,211 Stockholders' equity: Total stockholders' equity 149,906 143,040 Total liabilities and stockholders' equity $ 512,072 $ 340,536 EXPERIENCE ● TRUST ● INNOVATION ● GROWTH Recon. from GAAP Basic EPS to Adjust ...

International Money Express, Inc. (NASDAQ:IMXI) Q4 2022 Earnings Conference Call March 8, 2023 9:00 AM ET Company Participants Mike Gallentine – Vice President-Investor Relations Bob Lisy – Chairman, Chief Executive Officer and President Andras Bende – Chief Financial Officer Chris Hunt – Acting Chief Operating Officer Randy Nilsen – Chief Revenue Officer Conference Call Participants Mike Grondahl – Northland Securities David Scharf – JMP Alex Markgraff – KeyBanc Capital Markets Chris Young – Credit Suisse ...

4 | --- | --- | --- | |-------|-------|-----------------------------------------------------------------------------------------------| | | | | | | | RETAIL OPTION | | | | • We are where our | | | | customers are (where they live and work) • Personalized service in a familiar environment | | | | • Culturally sensitive service, in their language | | | | • Able to send with cash or debit card | • CHAT customer service YOU DECIDE CONTINUALLY ENHANCING CUSTOMER EXPERIENCE Abandon Rate - Less than 1% Hold Time – ...

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 (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 9480 South Dixie Highway Miami, Florida 33156 (Address of Principal Executive Offices) (Zip Code) (305) 671-8000 (Registrant's telephone number, including area code) For the ...

International Money Express, Inc. (NASDAQ:IMXI) Q3 2022 Earnings Conference Call November 9, 2022 9:00 AM ET Company Participants Mike Gallentine - Vice President, Investor Relations Bob Lisy - Chairman, Chief Executive Officer & President Andras Bende - Chief Financial Officer Joseph Aguilar - Chief Operating Office Randy Nilsen - Chief Revenue Officer Chris Hunt - Chief Information Officer. Marcelo Theodoro - Chief Digital Officer Conference Call Participants David Scharf - JMP Securities Mike Grondahl - ...

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, 2022 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 ...