MGI · Moneygram International Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Annual Quarterly

Income Statement

Line item	FY 2022	FY 2021	FY 2020	FY 2017	FY 2016	FY 2015
Revenue	$1.31B	$1.28B	$1.22B	$1.60B	$1.63B	$1.43B
Cost of Revenue	$690.20M	$653.00M	-	$772.20M	$795.60M	$656.20M
Gross Profit	$619.90M	$564.20M	-	$829.90M	$834.80M	$778.50M
R&D	-	-	-	-	-	-
SG&A	$187.20M	$179.10M	$111.60M	$402.30M	$309.50M	$324.80M
Total Operating Expenses	$526.70M	$525.80M	$1.11B	$1.59B	$1.54B	$1.42B
D&A	$51.30M	$56.40M	$63.90M	$75.10M	$79.90M	$50.70M
Operating Income	$93.20M	$73.70M	$103.00M	$8.70M	$88.40M	$16.20M
Interest Expense	$49.40M	$69.50M	$92.40M	$45.30M	$45.00M	$45.30M
Income Tax	$5.60M	($5.70M)	$14.00M	($6.80M)	$26.80M	$47.80M
Net Income	$34.20M	($37.90M)	($7.90M)	($29.80M)	$16.30M	($76.90M)
EPS - Basic	$0.35	($0.42)	($0.10)	($0.47)	$0.26	($1.24)
EPS - Diluted	$0.34	($0.42)	($0.10)	($0.47)	$0.25	($1.24)

Balance Sheet

Line item	FY 2022	FY 2021	FY 2020	FY 2017	FY 2016	FY 2015
Cash & Equivalents	$1.67B	$2.05B	$2.08B	$190.00M	$157.20M	$164.50M
Accounts Receivable	$1.11B	$700.40M	$825.00M	$1.13B	$999.40M	$861.40M
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$4.51B	$4.48B	$4.67B	$4.77B	$4.60B	$4.51B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$785.40M	$786.70M	$857.80M	$908.10M	$915.20M	$942.60M
Total Liabilities	$4.65B	$4.66B	$4.91B	$5.02B	$4.81B	$4.73B
Stockholders' Equity	($145.80M)	($185.00M)	($237.00M)	($245.30M)	($208.40M)	($222.80M)
Retained Earnings	($1.48B)	($1.51B)	($1.48B)	($1.34B)	($1.25B)	($1.23B)

Cash Flow

Line item	FY 2022	FY 2021	FY 2020	FY 2017	FY 2016	FY 2015
Operating Cash Flow	$85.70M	$37.10M	$97.30M	$132.50M	$118.20M	$33.60M
Investing Cash Flow	($62.60M)	($44.50M)	($40.80M)	($83.60M)	($82.80M)	($109.50M)
Financing Cash Flow	($402.80M)	($21.00M)	($7.20M)	($16.10M)	($42.70M)	($10.20M)
CapEx	$53.80M	$41.40M	$40.80M	$83.60M	$82.80M	$109.90M
Free Cash Flow	$31.90M	($4.30M)	$56.50M	$48.90M	$35.40M	($76.30M)

Ratios

Metric	FY 2022	FY 2021	FY 2020	FY 2017	FY 2016	FY 2015
Profitability
Gross margin	47.3%	44.0%	-	51.8%	51.2%	54.3%
Operating margin	7.1%	5.7%	8.5%	0.5%	5.4%	1.1%
EBITDA margin	11.0%	10.1%	13.7%	5.2%	10.3%	4.7%
Net margin	2.6%	-3.0%	-0.6%	-1.9%	1.0%	-5.4%
Free cash flow margin	2.4%	-0.3%	4.6%	3.1%	2.2%	-5.3%
FCF / Net income	0.93	0.11	-7.15	-1.64	2.17	0.99
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	14.3%	14.0%	9.2%	25.1%	19.0%	22.6%
Effective tax rate	14.1%	-	229.5%	-	62.2%	-
Return on assets	0.8%	-0.8%	-0.2%	-0.6%	0.4%	-1.7%
Return on equity	-23.5%	20.5%	3.3%	12.1%	-7.8%	34.5%
Return on invested capital	12.5%	9.7%	8.3%	1.0%	6.3%	1.8%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-5.39	-4.25	-3.62	-3.70	-4.39	-4.23
Debt / Assets	0.17	0.18	0.18	0.19	0.20	0.21
Debt / EBITDA	5.44	6.05	5.14	10.84	5.44	14.09
Interest coverage	1.9x	1.1x	1.1x	0.2x	2.0x	0.4x
Equity multiplier	-30.90	-24.20	-19.72	-19.46	-22.06	-20.22
Liabilities / Assets	1.03	1.04	1.05	1.05	1.05	1.05
Efficiency
Asset turnover	0.29	0.29	0.26	0.34	0.35	0.32
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	308d	199d	247d	256d	224d	219d
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	-	-	-	-	-	-
P / B	-	-	-	-	-	-
P / S	-	-	-	-	-	-
EV / EBITDA	-	-	-	-	-	-
Growth
Revenue growth (YoY)	2.1%	5.5%	-	-1.7%	13.6%	-1.4%
Revenue CAGR (3y)	-	-	-8.8%	3.3%	3.4%	2.3%
Revenue CAGR (5y)	-3.9%	-4.7%	-3.2%	3.6%	7.0%	-
Gross profit growth (YoY)	9.9%	-	-	-0.6%	7.2%	-1.3%
Operating income growth (YoY)	26.5%	-28.4%	-	-90.2%	445.7%	-77.3%
Net income growth (YoY)	-	-379.7%	-	-	-	-
EPS growth (YoY)	-	-320.0%	-	-	-	-
EPS CAGR (3y)	-	-	-	-	-30.0%	-
EPS CAGR (5y)	-	-	-	-	-	-
FCF growth (YoY)	-	-	-	38.1%	-	-224.7%
FCF CAGR (5y)	-8.2%	-	-	-	-39.7%	-
Book value growth (YoY)	21.2%	21.9%	-	-17.7%	6.5%	-21.9%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2021-12-31.

Business segments

$1.28B total

Global Funds Transfer$1.23B · 95.7%

Financial Paper Products$54.80M · 4.3%

Product / service

$4.97B total

Feerevenuefor GFTproductsandservices$1.23B · 24.7%

Timingofrevenuerecognition$1.21B · 24.4%

Money Order$1.19B · 23.9%

Moneytransfersfee$1.16B · 23.3%

Feerevenuefor FPPproductsandservices$47.00M · 0.9%

Billpaymentfee$40.50M · 0.8%

Billpaymentfeeandother$40.50M · 0.8%

Revenuefromotherservices$28.30M · 0.6%

Official Check$13.90M · 0.3%

Officialcheckfee$7.10M · 0.1%

Moneyorderfee$6.30M · 0.1%

Geographic

$1.28B total

Geographic Distribution Foreign$739.70M · 57.6%

Geographic Distribution Domestic$543.90M · 42.4%

Stability scores

Piotroski F-score

FY 2022 · 9-point quality

7/9

Strong

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
✓Long-term debt decreased
-Current ratio improved
✗No share dilution
✓Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: Services-Business Services, NEC

Company	Revenue (last FY)	Net margin	ROE
ACN	-	-	-
DASH	$13.72B	6.8%	9.3%
RBA	$4.59B	9.3%	7.7%
AKAM	-	-	9.1%
UBER	$52.02B	19.3%	37.2%

Comparing MONEYGRAM INTERNATIONAL INC against the 5 most active filers in the same SIC group.