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International Money Express cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$107M in Q2 2026 · $8.8M over twelve months

Operating cash flow$113M
Capital spending−$5.5M
Free cash flow+$107M
Cash / net income26.8×

Analysis

In Q2 2026, International Money Express generated $113M of operating cash flow and spent $5.5M on capital projects, leaving free cash flow of $107M. That is $71.9M more than in Q2 2025 ($35.3M).

Over the twelve months to Jun 30, 2026, operating cash flow was $31.1M; the largest uses were net borrowing (+) / repaid (−) ($30.3M), capital spending ($22.2M), taxes on employees’ shares ($1.1M); the cash balance fell by $24.1M.

Operating cash flow was $113M against net income of $4.2M — 26.8× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$4.8M, receivables +$4.1M, stock-based pay +$2.6M.

Free cash flow

International Money Express: free cash flow by quarterInternational Money Express: free cash flow by quarter$23.4MQ3 2024−$8.8MQ4 2024$36.0MQ1 2025$35.3MQ2 2025−$35.5MQ3 2025−$20.0MQ4 2025−$42.9MQ1 2026$107MQ2 2026
Operating cash flow less capital spending.
International Money Express: operating cash flow against capital spendingInternational Money Express: operating cash flow against capital spendingOperating cash flowCapital spending$29.3M$5.9MQ3 2024−$4.9M$3.9MQ4 2024$41.3M$5.3MQ1 2025$39.9M$4.6MQ2 2025−$28.7M$6.9MQ3 2025−$15.6M$4.4MQ4 2025−$37.4M$5.5MQ1 2026$113M$5.5MQ2 2026
Latest (Q2 2026): Operating cash flow $113M, Capital spending $5.5M.

Capital allocation, year by year

International Money Express: where the cash came from (up) and went (down), by fiscal yearInternational Money Express: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $78.1MFY2021: Net borrowing −$4.1MFY2021: Shares issued $3.8MFY2021: Capital spending −$10.6MFY2021: Buybacks −$5.6M$81.9MFY2021FY2022: Operating cash flow $15.2MFY2022: Net borrowing $71.6MFY2022: Shares issued $1.7MFY2022: Capital spending −$12.2MFY2022: Acquisitions −$131KFY2022: Buybacks −$53.7M$88.5MFY2022FY2023: Operating cash flow $144MFY2023: Net borrowing $32.5MFY2023: Shares issued $1.3MFY2023: Capital spending −$12.8MFY2023: Acquisitions −$5.5MFY2023: Buybacks −$66.3M$177MFY2023FY2024: Operating cash flow $53.1MFY2024: Net borrowing −$32.9MFY2024: Capital spending −$30.0MFY2024: Acquisitions −$1.2MFY2024: Buybacks −$75.1M$53.1MFY2024FY2025: Operating cash flow $36.9MFY2025: Net borrowing $38.2MFY2025: Capital spending −$21.1MFY2025: Buybacks −$16.3M$75.1MFY2025
Over these 5 years operating cash flow totalled $327M; the largest uses were buybacks ($217M) and capital spending ($86.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$151M
Debt$114M
Net cash$36.8M

International Money Express funds itself: free cash flow was $8.8M over the last twelve months, and $151M of cash and investments stands against $114M of debt.

Where the cash came from and went

International Money Express: sources (+) and uses (−) of cash, Q2 2026International Money Express: sources (+) and uses (−) of cash, Q2 2026Net borrowing (+) / repaid (−)−$127MOperating cash flow$113MCash drawn (+) / kept (−)$19.7MCapital spending−$5.5MExchange rates$113KTaxes on employees’ shares−$26K
International Money Express: sources (+) and uses (−) of cash, TTM to Q2 2026International Money Express: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow$31.1MNet borrowing (+) / repaid (−)−$30.3MCash drawn (+) / kept (−)$24.1MCapital spending−$22.2MTaxes on employees’ shares−$1.1MOther investing−$804KExchange rates−$722KOther financing−$12K

From profit to cash

International Money Express: net income to operating cash flow, Q2 2026International Money Express: net income to operating cash flow, Q2 2026Net income$4.2MDepreciation & amortization$4.8MStock-based pay$2.6MDeferred taxes−$310KGains on disposals$256KReceivables$4.1MPrepaid and other assets$201KOperating cash flow$113M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q2 2026$113M−$5.5M——−$127M$19.7M$107M
Q1 2026−$37.4M−$5.5M——$46.0M−$1.6M−$42.9M
Q4 2025−$15.6M−$4.4M——$36.9M−$17.1M−$20.0M
Q3 2025−$28.7M−$6.9M——$13.8M$23.1M−$35.5M
Q2 2025$39.9M−$4.6M—−$11.4M−$3.3M−$23.0M$35.3M
Q1 2025$41.3M−$5.3M—−$5.0M−$9.2M−$21.3M$36.0M
Q4 2024−$4.9M−$3.9M—−$20.2M$18.4M$26.1M−$8.8M
Q3 2024$29.3M−$5.9M−$1.2M−$20.3M−$74.0M$76.6M$23.4M

International Money Express: income statement and cash flow

International Money Express, Q2 2026: revenue $131M (-19% year over year), operating margin 6.7%. The chart follows the revenue to costs, profit and cash.

International Money Express: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.