ACV Auctions (NASDAQ:ACVA) versus International Money Express (NASDAQ:IMXI) Head to Head Analysis

ACV Auctions (NASDAQ:ACVA) and International Money Express (NASDAQ:IMXI) are both retail/wholesale companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, risk and valuation.

Insider & Institutional Ownership

88.6% of ACV Auctions shares are held by institutional investors. Comparatively, 86.7% of International Money Express shares are held by institutional investors. 8.5% of ACV Auctions shares are held by insiders. Comparatively, 10.5% of International Money Express shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares ACV Auctions and International Money Express’ top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ACV Auctions	$481.23 million	6.13	-$75.26 million	($0.48)	-37.21
International Money Express	$658.73 million	1.00	$59.51 million	$1.67	12.13

International Money Express has higher revenue and earnings than ACV Auctions. ACV Auctions is trading at a lower price-to-earnings ratio than International Money Express, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

ACV Auctions has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for ACV Auctions and International Money Express, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACV Auctions	0	2	10	0	2.83
International Money Express	0	2	4	0	2.67

ACV Auctions presently has a consensus target price of $20.67, indicating a potential upside of 15.71%. International Money Express has a consensus target price of $25.00, indicating a potential upside of 23.46%. Given International Money Express’ higher possible upside, analysts plainly believe International Money Express is more favorable than ACV Auctions.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
ACV Auctions	-15.28%	-13.50%	-6.50%
International Money Express	9.02%	43.75%	11.41%

Summary

International Money Express beats ACV Auctions on 9 of the 14 factors compared between the two stocks.

About ACV Auctions

ACV Auctions Inc. operates a digital marketplace that connects buyers and sellers for the online auction of wholesale vehicles. The company's marketplace platform includes digital marketplace, which connects buyers and sellers by providing online auction, which facilitates real-time transactions of wholesale vehicles; Run List for pre-filtering and pre-screening of vehicles up to 24 hours prior to an auction taking place; ACV transportation service to enable the buyers to see real-time transportation quotes and status reports of the vehicle; ACV capital, a short-term inventory financing services for buyers to purchase vehicles; and Go Green's seller assurance service for against claims related to defects in the vehicle. It also provides remarketing centers, which offers value-added services, such as vehicle reconditioning and storage for dealers and commercial partners. In addition, the company offers data services, including True360 report, which provides cosmetic and structural vehicle assessments integrated into vehicle history reports for dealer to make wholesale and retail transaction decisions on and off the marketplace; ACV market report provides transaction data and condition reports for comparable used vehicles, including pricing data from third-party sources and allows dealers to determine pricing and valuation strategies for used vehicles; and ACV MAX inventory management software enables dealers to manage their inventory and set pricing while turning vehicles. Further, it provides data and technology through inspection, such as condition reports, virtual lift solutions, apex device, and vehicle intelligence platform; and marketplace enablement, comprising MyACV application, private marketplaces, operations automation, live appraisals, and programmatic buying service. ACV Auctions Inc. was incorporated in 2014 and is headquartered in Buffalo, New York.

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.