国际货币快递 2025年度报告

SECURITIES AND EXCHANGE COMMISSIONWashington, D.C. 20549 FORM 10-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2025 OR (Exact name of registrant as specified in its charter) 47-4219082(I.R.S. Employer Identification No.) (State or other jurisdiction of incorporation or organization) 9100 South Dadeland Blvd., Ste. 1100, Miami, Florida 33156(Zip Code) (Address of Principal Executive Offices) (305) 671-8000(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on which registered Securities registered pursuant to Section 12(g) of the Act None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.Yes☐No☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.Yes☐No☒ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 duringthe preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements forthe past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” inRule 12b-2 of the Exchange Act. ☒Accelerated filer☐Smaller reporting company☐Emerging growth company Large accelerated filer ☐Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal controlover financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issuedits audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filingreflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received byany of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes☐No☒ As of June 30, 2025, the aggregate market value of the voting stock held by non-affiliates was $281,367,974 based on the closing sale price of $10.09 of thecommon stock as reported on the Nasdaq Capital Market. As of March3, 2026, 30,136,733 shares of the registrant’s common stock, par value $0.0001 per share, were outstanding. The registrant has no other class ofcommon stock outstanding. DOCUMENTS INCORPORATED BY REFERENCE Information required in response to Part III of this Form 10-K is incorporated by reference to an amendment of this Form 10-K or a definitive Proxy Statementto be delivered to stockholders at a later date in connection with the 2026 Annual Meeting of Stockholders. INTERNATIONAL MONEY EXPRESS, INC.INDEX SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS1 PART IItem 1.Business3Item 1A.Risk Factors13Item 1B.Unresolved Staff Comments27Item 1C.Cybersecurity27Item 2.Properties28Item 3.Legal Proceedings29Item 4.Mine Safety Disclosures29 Item 5.Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities30Item 6.[Reserved]31Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations32Item 7A.Quantitative and Qualitative Disclosures About Market Risk49Item 8.Financial Statements and Supplementary Data1Item 9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure74Item 9A.Controls and Procedures74Item 9B.Other Information75Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections76 Item 10.Directors, Executive Officers and Corporate Governance77Item 11.Executive Compensation77Item 12.Securit