Head to Head Survey: International Money Express (NASDAQ:IMXI) versus Corpay (NYSE:CPAY)

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

Analyst Ratings

This is a summary of recent recommendations for International Money Express and Corpay, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Money Express	2	4	2	0	2.00
Corpay	0	5	10	0	2.67

International Money Express currently has a consensus price target of $19.60, suggesting a potential upside of 39.50%. Corpay has a consensus price target of $396.21, suggesting a potential upside of 37.28%. Given International Money Express’ higher probable upside, equities research analysts plainly believe International Money Express is more favorable than Corpay.

Risk & Volatility

International Money Express has a beta of 0.9, meaning that its share price is 10% less volatile than the S&P 500. Comparatively, Corpay has a beta of 0.97, meaning that its share price is 3% less volatile than the S&P 500.

Profitability

This table compares International Money Express and Corpay’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Money Express	8.01%	42.08%	12.03%
Corpay	25.17%	39.13%	7.20%

Earnings & Valuation

This table compares International Money Express and Corpay”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Money Express	$658.65 million	0.63	$58.82 million	$1.64	8.57
Corpay	$3.97 billion	5.13	$1.00 billion	$14.72	19.61

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

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

Summary

Corpay beats International Money Express on 10 of the 14 factors compared between the two stocks.

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.

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.