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International Money Express
International Money Express (IMXI) investor relations material
International Money Express Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Revenue for Q3 2025 was $154.9M, down 10% year-over-year, with net income of $5.0M, a 71% decrease from Q3 2024, driven by lower transaction volumes and higher operating expenses.
The company entered into a merger agreement with Western Union, with each share to be converted into $16.00 in cash upon closing, anticipated in mid-2026, subject to customary approvals.
A restructuring plan initiated in 2024 continued, incurring $0.3M in Q3 2025, aimed at workforce reduction and operational efficiencies.
Financial highlights
Q3 2025 revenues decreased 10% year-over-year to $154.9M, primarily due to an 11.6% drop in wire transfer and money order fees.
Net income for Q3 2025 was $5.0M, down from $17.3M in Q3 2024; diluted EPS was $0.17, down from $0.53.
Adjusted EBITDA for Q3 2025 was $23.8M, a 30% decrease year-over-year.
For the nine months ended September 30, 2025, revenue was $460.4M (down 6.8%), and net income was $23.7M (down 45%).
Adjusted Net Income for Q3 2025 was $11.5M, and Adjusted EPS was $0.39.
Outlook and guidance
The merger with Western Union is expected to close in mid-2026, pending regulatory and shareholder approvals.
The company anticipates $2M in annual cost savings from restructuring, primarily realized in 2026.
No formal financial guidance was provided for future quarters.
Merger impact on IMXI strategic flexibility
Consumer behavior: lower volume, higher principal
Restructuring plan: anticipated annual savings
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Next International Money Express earnings date
Q4 202526 Feb, 2026
International Money Express
Next International Money Express earnings date
Q4 202526 Feb, 2026
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Frequently asked questions
International Money Express Inc provides money transfer and remittance services primarily between the United States and Latin America. The company offers digital and agent-based transaction platforms that support cross-border payments and financial access. It serves individual and family-based customers. The company is headquartered in Miami, Florida, and its shares are listed on the NASDAQ.
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