International Money Express, Inc. (NASDAQ:IMXI) Q3 2023 Earnings Conference Call November 7, 2023 9:00 AM ET

Company Participants

Mike Gallentine - Vice President, Investor Relations

Robert Lisy - Chairman, Chief Executive Officer and President

Andras Bende - Chief Financial Officer

Marcelo Theodoro - Chief Digital Officer

Conference Call Participants

David Scharf - JMP Securities

Michael Grondahl - Northland Securities

Sam Salvas - Needham & Company

Alexander Markgraff - KeyBanc Capital Markets

Operator

Good day and welcome to the International Money Express Inc. Third Quarter 2023 Earnings and Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask question. [Operator Instructions] Please note this event is being recorded.

I would now like to turn the conference over to Mike Gallentine, Head of Investor Relations. Please go ahead.

Mike Gallentine

Good morning, and welcome to our quarterly earnings call. I want to remind everyone that today's call includes forward-looking statements, including our fourth quarter 2023 guidance, and actual results may differ materially from expectations.

For additional information on International Money Express, which we refer to as Intermex or the Company, please see our SEC filings, including the risk factors described therein. All forward-looking statements on this call are based on assumptions and beliefs as of today. You should not rely on our forward-looking statements as predictions of future events. Please refer to slide two of our earnings presentation for a description of certain forward-looking statements.

The company undertakes no obligation to update such information, except as required by applicable law. On this conference call, we discuss certain non-GAAP financial measures. Information required by Regulation G under the Securities and Exchange Act for such non-GAAP financial measures is included in the presentation slides, our earnings press release and our annual report on Form 10-K, including reconciliation of certain non-GAAP financial measures to the appropriate GAAP measures.

These can be obtained in the Investors section of our website at intermexonline.com. Presenting on today's call is our Chairman, Chief Executive Officer and President, Bob Lisy; and Chief Financial Officer, Andras Bende. Also on the call today are Chris Hunt, Chief Operating Officer; Joseph Aguilar, President, Latin America; Randy Nilsen, EVP of Retail Sales; and Marcelo Theodoro, Chief Digital Officer.

Let me now turn the call over to Bob.

Robert Lisy

Good morning and welcome to our third quarter earnings call. We thank you all for your interest in Intermex. We have achieved another productive quarter, building on our history of profitable growth. We continue to grow revenues and EBITDA while generating free cash. Although EPS metrics were skewed by nonrecurring items this year and last, these metrics did meet expectations.