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BIO-KEY INTERNATIONAL INC (BKYI) Stock Fundamental Analysis

NASDAQ:BKYI - Nasdaq - US09060C5076 - Common Stock - Currency: USD

0.83  +0.01 (+0.97%)

After market: 0.84 +0.01 (+1.2%)

Fundamental Rating

2

Overall BKYI gets a fundamental rating of 2 out of 10. We evaluated BKYI against 282 industry peers in the Software industry. BKYI may be in some trouble as it scores bad on both profitability and health. BKYI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year BKYI has reported negative net income.
In the past year BKYI has reported a negative cash flow from operations.
BKYI had negative earnings in each of the past 5 years.
BKYI had a negative operating cash flow in each of the past 5 years.
BKYI Yearly Net Income VS EBIT VS OCF VS FCFBKYI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -5M -10M -15M

1.2 Ratios

BKYI has a worse Return On Assets (-40.48%) than 81.21% of its industry peers.
BKYI has a Return On Equity of -60.14%. This is in the lower half of the industry: BKYI underperforms 70.57% of its industry peers.
Industry RankSector Rank
ROA -40.48%
ROE -60.14%
ROIC N/A
ROA(3y)-114.53%
ROA(5y)-83.12%
ROE(3y)-379.98%
ROE(5y)-244.11%
ROIC(3y)N/A
ROIC(5y)N/A
BKYI Yearly ROA, ROE, ROICBKYI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 -500 -1K

1.3 Margins

BKYI's Gross Margin of 80.03% is amongst the best of the industry. BKYI outperforms 80.85% of its industry peers.
In the last couple of years the Gross Margin of BKYI has grown nicely.
BKYI does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 80.03%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.53%
GM growth 5YN/A
BKYI Yearly Profit, Operating, Gross MarginsBKYI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

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2

2. Health

2.1 Basic Checks

BKYI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BKYI has been increased compared to 1 year ago.
The number of shares outstanding for BKYI has been increased compared to 5 years ago.
Compared to 1 year ago, BKYI has a worse debt to assets ratio.
BKYI Yearly Shares OutstandingBKYI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
BKYI Yearly Total Debt VS Total AssetsBKYI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

Based on the Altman-Z score of -15.89, we must say that BKYI is in the distress zone and has some risk of bankruptcy.
BKYI has a worse Altman-Z score (-15.89) than 91.84% of its industry peers.
BKYI has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
BKYI has a Debt to Equity ratio (0.10) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z -15.89
ROIC/WACCN/A
WACC11.98%
BKYI Yearly LT Debt VS Equity VS FCFBKYI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

2.3 Liquidity

BKYI has a Current Ratio of 1.32. This is a normal value and indicates that BKYI is financially healthy and should not expect problems in meeting its short term obligations.
BKYI has a Current ratio of 1.32. This is comparable to the rest of the industry: BKYI outperforms 42.55% of its industry peers.
BKYI has a Quick Ratio of 1.22. This is a normal value and indicates that BKYI is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of BKYI (1.22) is worse than 62.06% of its industry peers.
Industry RankSector Rank
Current Ratio 1.32
Quick Ratio 1.22
BKYI Yearly Current Assets VS Current LiabilitesBKYI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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4

3. Growth

3.1 Past

BKYI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.27%, which is quite impressive.
BKYI shows a decrease in Revenue. In the last year, the revenue decreased by -7.26%.
Measured over the past years, BKYI shows a very strong growth in Revenue. The Revenue has been growing by 25.01% on average per year.
EPS 1Y (TTM)80.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50.43%
Revenue 1Y (TTM)-7.26%
Revenue growth 3Y10.69%
Revenue growth 5Y25.01%
Sales Q2Q%-26.32%

3.2 Future

Based on estimates for the next years, BKYI will show a very strong growth in Earnings Per Share. The EPS will grow by 34.00% on average per year.
Based on estimates for the next years, BKYI will show a small growth in Revenue. The Revenue will grow by 7.75% on average per year.
EPS Next Y70.43%
EPS Next 2Y34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.83%
Revenue Next 2Y7.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BKYI Yearly Revenue VS EstimatesBKYI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2M 4M 6M 8M 10M
BKYI Yearly EPS VS EstimatesBKYI Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 -20 -40 -60 -80 -100

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1

4. Valuation

4.1 Price/Earnings Ratio

BKYI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for BKYI. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
BKYI Price Earnings VS Forward Price EarningsBKYI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BKYI Per share dataBKYI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1

4.3 Compensation for Growth

A more expensive valuation may be justified as BKYI's earnings are expected to grow with 34.00% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for BKYI!.
Industry RankSector Rank
Dividend Yield N/A

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BIO-KEY INTERNATIONAL INC

NASDAQ:BKYI (7/17/2025, 5:26:11 PM)

After market: 0.84 +0.01 (+1.2%)

0.83

+0.01 (+0.97%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-19 2025-05-19
Earnings (Next)08-12 2025-08-12
Inst Owners8.79%
Inst Owner Change0%
Ins Owners3.78%
Ins Owner Change1.75%
Market Cap5.69M
Analysts82.86
Price Target2.04 (145.78%)
Short Float %4.3%
Short Ratio0.56
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-33.33%
EPS NQ rev (1m)-7.14%
EPS NQ rev (3m)N/A
EPS NY rev (1m)64.74%
EPS NY rev (3m)64.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-14.12%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.89
P/FCF N/A
P/OCF N/A
P/B 0.76
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)-2
EYN/A
EPS(NY)-0.39
Fwd EYN/A
FCF(TTM)-0.59
FCFYN/A
OCF(TTM)-0.59
OCFYN/A
SpS0.93
BVpS1.1
TBVpS0.95
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -40.48%
ROE -60.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.03%
FCFM N/A
ROA(3y)-114.53%
ROA(5y)-83.12%
ROE(3y)-379.98%
ROE(5y)-244.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.53%
GM growth 5YN/A
F-Score5
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 3.34%
Cap/Sales 0.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.32
Quick Ratio 1.22
Altman-Z -15.89
F-Score5
WACC11.98%
ROIC/WACCN/A
Cap/Depr(3y)7.81%
Cap/Depr(5y)11.35%
Cap/Sales(3y)0.45%
Cap/Sales(5y)0.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)80.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50.43%
EPS Next Y70.43%
EPS Next 2Y34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.26%
Revenue growth 3Y10.69%
Revenue growth 5Y25.01%
Sales Q2Q%-26.32%
Revenue Next Year-5.83%
Revenue Next 2Y7.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y53.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y39.87%
OCF growth 3YN/A
OCF growth 5YN/A