Financial Comparison: INTERNATIONAL MONEY EXPRESS (NASDAQ:IMXI) & Corpay (NYSE:CPAY)

Corpay (NYSE:CPAY) and INTERNATIONAL MONEY EXPRESS (NASDAQ:IMXI) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, valuation, profitability, risk and dividends.

Risk and Volatility

Corpay has a beta of 1, meaning that its share price has a similar volatility profile to the S&P 500.Comparatively, INTERNATIONAL MONEY EXPRESS has a beta of 0.96, meaning that its share price is 4% less volatile than the S&P 500.

Earnings and Valuation

This table compares Corpay and INTERNATIONAL MONEY EXPRESS”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corpay	$3.97 billion	5.19	$1.00 billion	$14.72	19.84
INTERNATIONAL MONEY EXPRESS	$658.65 million	0.64	$58.82 million	$1.64	8.66

Corpay has higher revenue and earnings than INTERNATIONAL MONEY EXPRESS. INTERNATIONAL MONEY EXPRESS is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

98.8% of Corpay shares are owned by institutional investors. Comparatively, 86.7% of INTERNATIONAL MONEY EXPRESS shares are owned by institutional investors. 5.0% of Corpay shares are owned by insiders. Comparatively, 5.1% of INTERNATIONAL MONEY EXPRESS shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings for Corpay and INTERNATIONAL MONEY EXPRESS, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corpay	0	5	9	0	2.64
INTERNATIONAL MONEY EXPRESS	1	5	2	0	2.13

Corpay currently has a consensus target price of $399.43, indicating a potential upside of 36.77%. INTERNATIONAL MONEY EXPRESS has a consensus target price of $19.60, indicating a potential upside of 38.03%. Given INTERNATIONAL MONEY EXPRESS’s higher possible upside, analysts plainly believe INTERNATIONAL MONEY EXPRESS is more favorable than Corpay.

Profitability

This table compares Corpay and INTERNATIONAL MONEY EXPRESS’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Corpay	25.17%	39.13%	7.20%
INTERNATIONAL MONEY EXPRESS	8.01%	42.08%	12.03%

Summary

Corpay beats INTERNATIONAL MONEY EXPRESS on 10 of the 14 factors compared between the two stocks.

About Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.

About INTERNATIONAL MONEY EXPRESS

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.