5 USD
0 (0%)
4.9902 USD
-0.01 (-0.2%)
BMTX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While BMTX seems to be doing ok healthwise, there are quite some concerns on its profitability. BMTX has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year BMTX has reported negative net income.
- BMTX had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: BMTX reported negative net income in multiple years.
- BMTX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -29.74%, BMTX is doing worse than 92.16% of the companies in the same industry.
- BMTX has a worse Return On Equity (-60.58%) than 90.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -29.74% | ||
| ROE | -60.58% | ||
| ROIC | N/A |
ROA(3y)-3.49%
ROA(5y)-5.28%
ROE(3y)-4.24%
ROE(5y)-12.06%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin and Operating Margin and Gross Margin are not available for BMTX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BMTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, BMTX has less shares outstanding
- BMTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- Based on the Altman-Z score of 0.48, we must say that BMTX is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.48, BMTX perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
- BMTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 0.48 |
ROIC/WACCN/A
WACC9.13%
2.3 Liquidity
- BMTX has a Current Ratio of 0.83. This is a bad value and indicates that BMTX is not financially healthy enough and could expect problems in meeting its short term obligations.
- BMTX has a Current ratio of 0.83. This is comparable to the rest of the industry: BMTX outperforms 41.18% of its industry peers.
- BMTX has a Quick Ratio of 0.83. This is a bad value and indicates that BMTX is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of BMTX (0.83) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
- BMTX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.10%, which is quite impressive.
- Looking at the last year, BMTX shows a decrease in Revenue. The Revenue has decreased by -0.09% in the last year.
- The Revenue has been decreasing by -5.96% on average over the past years.
EPS 1Y (TTM)35.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
Revenue 1Y (TTM)-0.09%
Revenue growth 3Y-5.96%
Revenue growth 5YN/A
Sales Q2Q%-4.5%
3.2 Future
- The Earnings Per Share is expected to grow by 49.37% on average over the next years. This is a very strong growth
- BMTX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.57% yearly.
EPS Next Y40.16%
EPS Next 2Y49.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.93%
Revenue Next 2Y3.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- BMTX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- A Price/Forward Earnings ratio of 14.42 indicates a correct valuation of BMTX.
- BMTX's Price/Forward Earnings ratio is in line with the industry average.
- BMTX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 14.42 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BMTX is valued a bit cheaper than the industry average as 63.73% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BMTX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- BMTX's earnings are expected to grow with 49.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.37%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BMTX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BM TECHNOLOGIES INC / BMTX FAQ
Can you provide the ChartMill fundamental rating for BM TECHNOLOGIES INC?
ChartMill assigns a fundamental rating of 3 / 10 to BMTX.
Can you provide the valuation status for BM TECHNOLOGIES INC?
ChartMill assigns a valuation rating of 4 / 10 to BM TECHNOLOGIES INC (BMTX). This can be considered as Fairly Valued.
What is the profitability of BMTX stock?
BM TECHNOLOGIES INC (BMTX) has a profitability rating of 1 / 10.
Can you provide the financial health for BMTX stock?
The financial health rating of BM TECHNOLOGIES INC (BMTX) is 5 / 10.