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MoneyGram International

Nasdaq:MGI
Snowflake Description

Mediocre balance sheet and slightly overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MGI
Nasdaq
$92M
Market Cap
  1. Home
  2. US
  3. Software
Company description

MoneyGram International, Inc., together with its subsidiaries, provides money transfer services in the United States and internationally. The last earnings update was 40 days ago. More info.


Add to Portfolio Compare Print
  • MoneyGram International has significant price volatility in the past 3 months.
MGI Share Price and Events
7 Day Returns
7.6%
NasdaqGS:MGI
4.3%
US IT
2.4%
US Market
1 Year Returns
-46%
NasdaqGS:MGI
-1.2%
US IT
-10%
US Market
MGI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
MoneyGram International (MGI) 7.6% -29.8% -42% -46% -92.3% -85.7%
US IT 4.3% -10% -15.6% -1.2% 59.3% 77.7%
US Market 2.4% -11% -19.4% -10% 9.6% 21.1%
1 Year Return vs Industry and Market
  • MGI underperformed the IT industry which returned -1.2% over the past year.
  • MGI underperformed the Market in United States of America which returned -10% over the past year.
Price Volatility
MGI
Industry
5yr Volatility vs Market
Related Companies

Value

 Is MoneyGram International undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of MoneyGram International to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for MoneyGram International.

NasdaqGS:MGI Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 5 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 12.6%
Perpetual Growth Rate 10-Year US Government Bond Rate 1.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:MGI
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 1.7%
Equity Risk Premium S&P Global 5.4%
IT Unlevered Beta Simply Wall St/ S&P Global 0.91
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.913 (1 + (1- 21%) (985.48%))
5.704
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.74% + (2 * 5.44%)
12.62%

Discounted Cash Flow Calculation for NasdaqGS:MGI using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for MoneyGram International is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

Note: Free cash flow to equity valuations ignore the company's cash or debt.

NasdaqGS:MGI DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 12.62%)
2020 44.25 Analyst x2 39.29
2021 40.35 Analyst x2 31.81
2022 38.16 Est @ -5.42% 26.72
2023 36.91 Est @ -3.27% 22.95
2024 36.26 Est @ -1.77% 20.02
2025 36.00 Est @ -0.72% 17.65
2026 36.01 Est @ 0.02% 15.67
2027 36.20 Est @ 0.54% 13.99
2028 36.53 Est @ 0.9% 12.53
2029 36.95 Est @ 1.15% 11.26
Present value of next 10 years cash flows $211.00
NasdaqGS:MGI DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $36.95 × (1 + 1.74%) ÷ (12.62% – 1.74%)
$345.51
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $345.51 ÷ (1 + 12.62%)10
$105.27
NasdaqGS:MGI Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $211.00 + $105.27
$316.27
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $316.27 / 72.27
$4.38
NasdaqGS:MGI Discount to Share Price
Calculation Result
Value per share (USD) From above. $4.38
Current discount Discount to share price of $1.27
= -1 x ($1.27 - $4.38) / $4.38
71%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price MoneyGram International is available for.
Intrinsic value
>50%
Share price is $1.27 vs Future cash flow value of $4.38
Current Discount Checks
For MoneyGram International to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • MoneyGram International's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • MoneyGram International's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for MoneyGram International's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are MoneyGram International's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:MGI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $-0.85
NasdaqGS:MGI Share Price ** NasdaqGS (2020-04-07) in USD $1.27
United States of America IT Industry PE Ratio Median Figure of 71 Publicly-Listed IT Companies 24.84x
United States of America Market PE Ratio Median Figure of 2,948 Publicly-Listed Companies 12.95x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of MoneyGram International.

NasdaqGS:MGI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:MGI Share Price ÷ EPS (both in USD)

= 1.27 ÷ -0.85

-1.5x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • MoneyGram International is loss making, we can't compare its value to the US IT industry average.
  • MoneyGram International is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does MoneyGram International's expected growth come at a high price?
Raw Data
NasdaqGS:MGI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -1.5x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
70.6%per year
United States of America IT Industry PEG Ratio Median Figure of 60 Publicly-Listed IT Companies 1.89x
United States of America Market PEG Ratio Median Figure of 2,010 Publicly-Listed Companies 0.92x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for MoneyGram International, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on MoneyGram International's assets?
Raw Data
NasdaqGS:MGI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $-3.36
NasdaqGS:MGI Share Price * NasdaqGS (2020-04-07) in USD $1.27
United States of America IT Industry PB Ratio Median Figure of 116 Publicly-Listed IT Companies 2.88x
United States of America Market PB Ratio Median Figure of 5,162 Publicly-Listed Companies 1.26x
NasdaqGS:MGI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:MGI Share Price ÷ Book Value per Share (both in USD)

= 1.27 ÷ -3.36

-0.38x

* Primary Listing of MoneyGram International.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • MoneyGram International has negative assets, we can't compare the value of its assets to the US IT industry average.
X
Value checks
We assess MoneyGram International's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. MoneyGram International has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is MoneyGram International expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
70.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is MoneyGram International expected to grow at an attractive rate?
  • Unable to compare MoneyGram International's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Growth vs Market Checks
  • Unable to compare MoneyGram International's earnings growth to the United States of America market average as it is expected to be loss making during the next 1-3 years.
  • MoneyGram International's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:MGI Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:MGI Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 70.6%
NasdaqGS:MGI Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts -1%
United States of America IT Industry Earnings Growth Rate Market Cap Weighted Average 16.4%
United States of America IT Industry Revenue Growth Rate Market Cap Weighted Average 9.7%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:MGI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:MGI Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 1,265 58 -13 4
2020-12-31 1,217 38 -27 5
2020-04-08
NasdaqGS:MGI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 1,285 63 -60
2019-09-30 1,310 -9 -61
2019-06-30 1,332 18 -74
2019-03-31 1,383 -1 -45
2018-12-31 1,448 29 -24
2018-09-30 1,510 120 -64
2018-06-30 1,561 151 -35
2018-03-31 1,596 173 -32
2017-12-31 1,602 133 -30
2017-09-30 1,610 124 30
2017-06-30 1,625 118 32
2017-03-31 1,629 111 29

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • MoneyGram International is not considered high growth as it is expected to be loss making for the next 1-3 years.
  • MoneyGram International's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:MGI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from MoneyGram International Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:MGI Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 -0.18 0.02 -0.33 4.00
2020-12-31 -0.35 -0.25 -0.44 4.00
2020-04-08
NasdaqGS:MGI Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 -0.85
2019-09-30 -0.89
2019-06-30 -1.14
2019-03-31 -0.69
2018-12-31 -0.37
2018-09-30 -1.00
2018-06-30 -0.56
2018-03-31 -0.50
2017-12-31 -0.47
2017-09-30 0.47
2017-06-30 0.51
2017-03-31 0.46

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • MoneyGram International is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess MoneyGram International's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
MoneyGram International has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has MoneyGram International performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare MoneyGram International's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • MoneyGram International does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare MoneyGram International's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare MoneyGram International's 1-year growth to the US IT industry average as it is not currently profitable.
Earnings and Revenue History
MoneyGram International's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from MoneyGram International Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:MGI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 1,285.10 -60.30 513.10
2019-09-30 1,309.60 -60.90 535.30
2019-06-30 1,332.20 -74.10 539.20
2019-03-31 1,383.00 -44.60 523.80
2018-12-31 1,447.60 -24.00 550.80
2018-09-30 1,510.00 -64.00 591.10
2018-06-30 1,560.60 -35.40 621.70
2018-03-31 1,596.00 -31.50 650.60
2017-12-31 1,602.10 -29.80 638.40
2017-09-30 1,610.10 29.70 653.10
2017-06-30 1,625.10 32.00 662.60
2017-03-31 1,629.40 28.90 665.50
2016-12-31 1,630.40 15.90 647.00
2016-09-30 1,695.30 11.50 665.40
2016-06-30 1,651.10 6.40 659.50
2016-03-31 1,595.60 -9.10 674.70
2015-12-31 1,539.10 -77.70 695.10
2015-09-30 1,407.60 -69.00 654.20
2015-06-30 1,397.00 -76.90 646.50
2015-03-31 1,410.60 -38.90 615.40
2014-12-31 1,550.40 72.10 618.30
2014-09-30 1,491.10 85.00 615.30
2014-06-30 1,516.10 110.50 603.10
2014-03-31 1,508.80 104.00 588.00
2013-12-31 1,474.40 52.40 564.20
2013-09-30 1,443.00 49.20 429.90
2013-06-30 1,398.60 -28.00 486.30

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if MoneyGram International has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) due to its liabilities exceeding its assets.
  • MoneyGram International used its assets less efficiently than the US IT industry average last year based on Return on Assets.
  • It is difficult to establish if MoneyGram International improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess MoneyGram International's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
MoneyGram International has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is MoneyGram International's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up MoneyGram International's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • MoneyGram International is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • MoneyGram International's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of MoneyGram International's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • MoneyGram International has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from MoneyGram International Company Filings, last reported 3 months ago.

NasdaqGS:MGI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 -240.40 850.30 146.80
2019-09-30 -249.00 846.40 119.10
2019-06-30 -236.70 842.10 133.50
2019-03-31 -282.30 899.20 129.90
2018-12-31 -268.80 901.00 145.50
2018-09-30 -256.20 902.80 208.80
2018-06-30 -236.60 904.60 200.40
2018-03-31 -232.70 906.30 199.70
2017-12-31 -245.30 908.10 190.00
2017-09-30 -184.00 909.90 170.40
2017-06-30 -192.20 911.70 145.10
2017-03-31 -199.30 913.40 127.40
2016-12-31 -215.60 915.20 157.20
2016-09-30 -208.50 937.30 173.10
2016-06-30 -221.20 939.00 148.60
2016-03-31 -224.30 940.80 141.50
2015-12-31 -222.80 942.60 164.50
2015-09-30 -244.20 956.10 151.60
2015-06-30 -248.70 958.50 128.60
2015-03-31 -261.80 961.00 175.20
2014-12-31 -182.70 949.60 250.60
2014-09-30 -157.20 965.90
2014-06-30 -142.00 968.30
2014-03-31 -39.50 840.80
2013-12-31 -77.00 842.90 318.80
2013-09-30 -116.30 845.00
2013-06-30 -148.20 847.10
  • MoneyGram International has negative shareholder equity (liabilities exceed assets), this is a more serious situation compared with a high debt level.
  • Irrelevant to check if MoneyGram International's debt level has increased considering it has negative shareholder equity.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Whilst loss making MoneyGram International has sufficient cash runway for more than 3 years if it maintains the current positive free cash flow level.
  • Whilst loss making MoneyGram International has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by -25.3% per year.
X
Financial health checks
We assess MoneyGram International's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. MoneyGram International has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is MoneyGram International's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from MoneyGram International dividends.
If you bought $2,000 of MoneyGram International shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate MoneyGram International's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate MoneyGram International's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:MGI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
United States of America IT Industry Average Dividend Yield Market Cap Weighted Average of 34 Stocks 1.5%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1935 Stocks 2.9%
United States of America Minimum Threshold Dividend Yield 10th Percentile 1.1%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.9%
United States of America Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:MGI Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31
2020-04-08
NasdaqGS:MGI Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2009-11-09 0.000 0.000
2009-10-30 0.000 0.000
2009-08-10 0.000 0.000
2009-08-06 0.000 0.000
2009-05-11 0.000 0.000
2009-05-07 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as MoneyGram International has not reported any payouts.
  • Unable to verify if MoneyGram International's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of MoneyGram International's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as MoneyGram International has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess MoneyGram International's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can MoneyGram International afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. MoneyGram International has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of MoneyGram International's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alex Holmes
COMPENSATION $3,741,683
AGE 44
TENURE AS CEO 4.3 years
CEO Bio

Mr. W. Alexander Holmes, also known as Alex, has been Chief Executive Officer of Moneygram International Inc. since January 1, 2016 and Chairman of the Board since February 2, 2018. Mr. Holmes served as the Chief Financial Officer and Executive Vice President of Moneygram International, Inc. from March 21, 2012 to January 1, 2016 and as its Chief Operating Officer from February 11, 2014 to January 1, 2016. He joined Moneygram International Inc in 2009. He served as a Senior Vice President of Investor Relations and Corporate Startegy at Moneygram International Inc. from 2009 to March 21, 2012. From 2003 to 2009, Mr. Holmes served in a variety of positions at First Data Corporation, including chief of staff to the Chief Executive Officer, Director of Investor Relations and Senior Vice President of Global Sourcing & Strategic Initiatives. Previously, he served as Senior Vice President, Global Sourcing and Strategic Initiatives at First Data Corporation, a global payment processing company, from 2007 to 2009. From 2004 to 2007, Mr. Holmes served in various roles of increasing responsibility at First Data Corporation. Prior to that, he managed the Benelux region at the Western Union Company, a global money transfer company, from 2002 to 2003. He joined First Data in 2000 and served in various finance roles until early 2002. From 1997 to 2000, Mr. Holmes was at the University of Colorado's system administration office where he managed a number of ERP implementation projects. He has been a Director of Moneygram International Inc. since December 10, 2015.

CEO Compensation
  • Alex's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Alex's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the MoneyGram International management team in years:

4.3
Average Tenure
54
Average Age
  • The tenure for the MoneyGram International management team is about average.
Management Team

Alex Holmes

TITLE
Chairman & CEO
COMPENSATION
$4M
AGE
44
TENURE
4.3 yrs

Larry Angelilli

TITLE
Executive VP
COMPENSATION
$1M
AGE
63
TENURE
4.3 yrs

Kamila Chytil

TITLE
Chief Operating Officer
COMPENSATION
$2M
AGE
39
TENURE
3.9 yrs

Andres Villareal

TITLE
Chief Compliance Officer
COMPENSATION
$1M
AGE
54
TENURE
4.1 yrs

Grant Lines

TITLE
Chief Revenue Officer
COMPENSATION
$1M
AGE
54
TENURE
7.2 yrs

Robert Villasenor

TITLE
General Counsel & Corporate Secretary
AGE
48
TENURE
0.5 yrs

Kim Garner

TITLE
Senior Vice President of Global Security and Investigations

Yogesh Sangle

TITLE
Head of Asia Pacific
TENURE
4.3 yrs

Wendi Schlarb

TITLE
Head of Marketing

William Putney

TITLE
Independent Consultant
COMPENSATION
$917K
AGE
56
TENURE
12 yrs
Board of Directors Tenure

Average tenure and age of the MoneyGram International board of directors in years:

9.9
Average Tenure
59
Average Age
  • The tenure for the MoneyGram International board of directors is about average.
Board of Directors

Victor Dahir

TITLE
Independent Director
COMPENSATION
$245K
AGE
73
TENURE
9.9 yrs

Alex Holmes

TITLE
Chairman & CEO
COMPENSATION
$4M
AGE
44
TENURE
2.2 yrs

J. Clark

TITLE
Independent Director
COMPENSATION
$245K
AGE
73
TENURE
9.9 yrs

Antonio O. Garza

TITLE
Independent Director
COMPENSATION
$245K
AGE
59
TENURE
8 yrs

Seth Lawry

TITLE
Director
AGE
54
TENURE
12.1 yrs

Gnaneshwar Rao

TITLE
Director
AGE
42
TENURE
11.4 yrs

William Turner

TITLE
Independent Director
COMPENSATION
$235K
AGE
59
TENURE
9.9 yrs

Peggy Vaughan

TITLE
Independent Director
COMPENSATION
$225K
AGE
65
TENURE
6.2 yrs

Mike Rafferty

TITLE
Independent Director
COMPENSATION
$225K
AGE
65
TENURE
4.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
10. Dec 19 Sell Thomas H. Lee Partners, L.P. Company 09. Dec 19 09. Dec 19 -30,006 $2.34 $-70,181
26. Nov 19 Buy Ripple Labs, Inc. Company 22. Nov 19 22. Nov 19 626,600 $4.10 $2,569,060
X
Management checks
We assess MoneyGram International's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. MoneyGram International has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

How Many MoneyGram International, Inc. (NASDAQ:MGI) Shares Do Institutions Own?

With a market capitalization of US$104m, MoneyGram International is a small cap stock, so it might not be well known by many institutional investors. … Check out our latest analysis for MoneyGram International NasdaqGS:MGI Ownership Summary, May 24th 2019 What Does The Institutional Ownership Tell Us About MoneyGram International? … Insider Ownership Of MoneyGram International The definition of company insiders can be subjective, and does vary between jurisdictions.

Simply Wall St -

Investors Who Bought MoneyGram International (NASDAQ:MGI) Shares Five Years Ago Are Now Down 87%

We also note that the stock has performed poorly over the last year, with the share price down 72%. … MoneyGram International isn't a profitable company, so it is unlikely we'll see a strong correlation between its share price and its earnings per share (EPS). … Over five years, MoneyGram International grew its revenue at 1.3% per year.

Simply Wall St -

Before You Buy MoneyGram International, Inc. (NASDAQ:MGI), Consider Its Volatility

Every stock in the market is exposed to this volatility, which is linked to the fact that stocks prices are correlated in an efficient market. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … While we should keep in mind that Warren Buffett has cautioned that 'Volatility is far from synonymous with risk', beta is still a useful factor to consider.

Simply Wall St -

What Should Investors Know About MoneyGram International Inc's (NASDAQ:MGI) Capital Returns?

and want to begin learning the link between MoneyGram International Inc (NASDAQ:MGI)’s return fundamentals and stock market performance. … This share represents a portion of capital used by the company to operate the business, and it is important the company is able to use the capital base efficiently to create adequate cash flows for you as an investor. … Therefore, looking at how efficiently MoneyGram International is able to use capital to create earnings will help us understand your potential return.

Simply Wall St -

Should You Buy MoneyGram International Inc (NASDAQ:MGI) At US$6.48?

As a stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … However, could the stock still be trading at a relatively cheap price. … Today I will analyse the most recent data on MoneyGram International’s outlook and valuation to see if the opportunity still exists

Simply Wall St -

What You Must Know About MoneyGram International Inc's (NASDAQ:MGI) Market Risks

If you are looking to invest in MoneyGram International Inc’s (NASDAQ:MGI), or currently own the stock, then you need to understand its beta in order to understand how it can affect the risk of your portfolio. … The second type is market risk, one that you cannot diversify away, since it arises from macroeconomic factors which directly affects all the stocks in the market. … The most widely used metric to quantify a stock's market risk is beta, and the market as a whole represents a beta of one.

Simply Wall St -

Is MoneyGram International Inc (NASDAQ:MGI) Overpaying Its CEO?

Alex Holmes is the CEO of MoneyGram International Inc (NASDAQ:MGI), which has recently grown to a market capitalization of US$368.62m. … Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … See our latest analysis for MoneyGram International

Simply Wall St -

Estimating The Fair Value Of MoneyGram International Inc (NASDAQ:MGI)

How far off is MoneyGram International Inc (NASDAQ:MGI) from its intrinsic value? … by taking the foreast future cash flows of the company and discounting them back to today's value. … Anyone interested in learning a bit more about intrinsic value should have a read of the Simply Wall St analysis model

Simply Wall St -

An Intrinsic Calculation For MoneyGram International Inc (NASDAQ:MGI) Shows It's 25% Undervalued

5-year cash flow estimate 2018 2019 2020 2021 2022 Levered FCF ($, Millions) $43.00 $77.00 $79.33 $81.72 $84.19 Source Analyst x1 Analyst x1 Extrapolated @ (3.02%) Extrapolated @ (3.02%) Extrapolated @ (3.02%) Present Value Discounted @ 17.05% $36.74 $56.20 $49.47 $43.54 $38.32 Present Value of 5-year Cash Flow (PVCF)= $224 After calculating the present value of future cash flows in the intial 5-year period we need to calculate the Terminal Value, which accounts for all the future cash flows beyond the first stage. … Terminal Value (TV) = FCF2022 × (1 + g) ÷ (r – g) = $84 × (1 + 2.9%) ÷ (17.1% – 2.9%) = $615 Present Value of Terminal Value (PVTV) = TV / (1 + r)5 = $615 / ( 1 + 17.1%)5 = $280 The total value, or equity value, is then the sum of the present value of the cash flows, which in this case is $504. … NasdaqGS:MGI Intrinsic Value Jun 5th 18 The assumptions I'd like to point out that the most important inputs to a discounted cash flow are the discount rate and of course the actual cash flows.

Simply Wall St -

MoneyGram International Inc (NASDAQ:MGI): How Much Money Comes Back To Investors?

I will be analysing MoneyGram International’s FCF by looking at its FCF yield and its operating cash flow growth. … Free Cash Flow = Operating Cash Flows – Net Capital Expenditure Free Cash Flow Yield = Free Cash Flow / Enterprise Value where Enterprise Value = Market Capitalisation + Net Debt MoneyGram International’s yield of 1.46% indicates its sub-standard capacity to generate cash, compared to the stock market index as a whole, accounting for the size differential. … Current +1 year +2 year Operating Cash Flow (OCF) US$132.50M US$115.00M US$65.00M OCF Growth Year-On-Year -13.21% -43.48% OCF Growth From Current Year -50.94% Next Steps: MoneyGram International’s low free cash flow yield is deterring, in addition to its negative growth prospects.

Simply Wall St -

Company Info

Description

MoneyGram International, Inc., together with its subsidiaries, provides money transfer services in the United States and internationally. The company operates through two segments, Global Funds Transfer and Financial Paper Products. The Global Funds Transfer segment offers money transfer services and bill payment services primarily to unbanked and underbanked consumers. The Financial Paper Products segment provides money orders to consumers through its agents and financial institutions; and official check outsourcing services for financial institutions. This segment sells its money orders under the MoneyGram brand and on a private label or co-branded basis with retail and financial institution. The company also offers digital solutions, such as moneygram.com, mobile solutions, account deposit, and kiosk-based services. MoneyGram International, Inc. announced that it has entered into a strategic partnership with Suez Canal Bank. MoneyGram International, Inc. was founded in 1940 and is based in Dallas, Texas.

Details
Name: MoneyGram International, Inc.
MGI
Exchange: NasdaqGS
Founded: 1940
$91,782,996
72,270,076
Website: http://corporate.moneygram.com
Address: MoneyGram International, Inc.
2828 North Harwood Street,
15th Floor,
Dallas,
Texas, 75201,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS MGI Common Stock Nasdaq Global Select US USD 22. Jun 2004
DB 9M1N Common Stock Deutsche Boerse AG DE EUR 22. Jun 2004
Number of employees
Current staff
Staff numbers
2,252
MoneyGram International employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/08 06:47
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2020/04/06
Last earnings filing: 2020/02/28
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.