INTERNATIONAL MONEY EXPRESS (NASDAQ:IMXI) vs. Usio (NASDAQ:USIO) Financial Contrast

INTERNATIONAL MONEY EXPRESS (NASDAQ:IMXI) and Usio (NASDAQ:USIO) are both small-cap business services companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, institutional ownership, profitability, valuation and earnings.

Insider & Institutional Ownership

86.7% of INTERNATIONAL MONEY EXPRESS shares are held by institutional investors. Comparatively, 20.2% of Usio shares are held by institutional investors. 5.1% of INTERNATIONAL MONEY EXPRESS shares are held by company insiders. Comparatively, 17.8% of Usio shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares INTERNATIONAL MONEY EXPRESS and Usio’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%
Usio	3.43%	-1.63%	-0.28%

Analyst Recommendations

This is a breakdown of current recommendations for INTERNATIONAL MONEY EXPRESS and Usio, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
INTERNATIONAL MONEY EXPRESS	0	5	2	0	2.29
Usio	1	0	1	0	2.00

INTERNATIONAL MONEY EXPRESS currently has a consensus target price of $19.60, indicating a potential upside of 34.43%. Usio has a consensus target price of $4.00, indicating a potential upside of 154.78%. Given Usio’s higher possible upside, analysts plainly believe Usio is more favorable than INTERNATIONAL MONEY EXPRESS.

Valuation & Earnings

This table compares INTERNATIONAL MONEY EXPRESS and Usio”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
INTERNATIONAL MONEY EXPRESS	$658.65 million	0.66	$58.82 million	$1.64	8.89
Usio	$82.93 million	0.50	$3.31 million	$0.10	15.70

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

Volatility & Risk

INTERNATIONAL MONEY EXPRESS has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500. Comparatively, Usio has a beta of 1.43, suggesting that its share price is 43% more volatile than the S&P 500.

Summary

INTERNATIONAL MONEY EXPRESS beats Usio 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 Usio

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.