International Money Express (NASDAQ:IMXI – Get Free Report) and Jack Henry & Associates (NASDAQ:JKHY – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.
Insider and Institutional Ownership
86.7% of International Money Express shares are held by institutional investors. Comparatively, 98.8% of Jack Henry & Associates shares are held by institutional investors. 5.1% of International Money Express shares are held by insiders. Comparatively, 0.4% of Jack Henry & Associates shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares International Money Express and Jack Henry & Associates’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| International Money Express | 3.35% | 17.01% | 5.44% |
| Jack Henry & Associates | 19.96% | 24.46% | 16.68% |
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| International Money Express | 1 | 0 | 0 | 0 | 1.00 |
| Jack Henry & Associates | 0 | 5 | 12 | 1 | 2.78 |
Jack Henry & Associates has a consensus target price of $193.18, indicating a potential upside of 11.09%. Given Jack Henry & Associates’ stronger consensus rating and higher probable upside, analysts clearly believe Jack Henry & Associates is more favorable than International Money Express.
Risk & Volatility
International Money Express has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500. Comparatively, Jack Henry & Associates has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.
Valuation and Earnings
This table compares International Money Express and Jack Henry & Associates”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 | $555.45 million | 0.39 | $32.67 million | $0.62 | 11.50 |
| Jack Henry & Associates | $2.54 billion | 4.79 | $502.78 million | $6.97 | 24.95 |
Jack Henry & Associates has higher revenue and earnings than International Money Express. International Money Express is trading at a lower price-to-earnings ratio than Jack Henry & Associates, indicating that it is currently the more affordable of the two stocks.
Summary
Jack Henry & Associates beats International Money Express on 13 of the 15 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 Jack Henry & Associates
Jack Henry & Associates, Inc. is a financial technology company, which engages in the provision of technology solutions and payment processing services. It operates through the following segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions which consist of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer and member information. The Payments segment includes secure payment processing tools and services including ATM, debit, and credit card processing services, online and mobile bill pay solutions, ACH origination and remote deposit capture processing, and risk management products and services. The Complementary segment focuses on additional software, hosted processing platforms, and services including call center support, network security management, consulting, and monitoring. The Corporate and Other segment offers hardware and other products. The company was founded by Jerry D. Hall and John W. Henry in 1976 and is headquartered in Monett, MO.
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