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]