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BM TECHNOLOGIES INC (BMTX) Stock Fundamental Analysis

NYSEARCA:BMTX - NYSE Arca - US05591L1070 - Common Stock - Currency: USD

5  0 (0%)

After market: 4.9902 -0.01 (-0.2%)

Fundamental Rating

3

Taking everything into account, BMTX scores 3 out of 10 in our fundamental rating. BMTX was compared to 101 industry peers in the Financial Services industry. The financial health of BMTX is average, but there are quite some concerns on its profitability. BMTX is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BMTX had negative earnings in the past year.
BMTX had a positive operating cash flow in the past year.
In multiple years BMTX reported negative net income over the last 5 years.
BMTX had a positive operating cash flow in 4 of the past 5 years.
BMTX Yearly Net Income VS EBIT VS OCF VS FCFBMTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M

1.2 Ratios

BMTX has a worse Return On Assets (-29.74%) than 92.16% of its industry peers.
With a Return On Equity value of -60.58%, BMTX is not doing good in the industry: 90.20% of the companies in the same industry are doing better.
Industry RankSector 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
BMTX Yearly ROA, ROE, ROICBMTX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 -40

1.3 Margins

BMTX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
BMTX Yearly Profit, Operating, Gross MarginsBMTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 10 -10 -20 -30

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5

2. Health

2.1 Basic Checks

BMTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
BMTX has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BMTX has less shares outstanding
There is no outstanding debt for BMTX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BMTX Yearly Shares OutstandingBMTX Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
BMTX Yearly Total Debt VS Total AssetsBMTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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.
Looking at the Altman-Z score, with a value of 0.48, BMTX is in line with its industry, 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 0.48
ROIC/WACCN/A
WACC9.13%
BMTX Yearly LT Debt VS Equity VS FCFBMTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M

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.
The Current ratio of BMTX (0.83) is comparable to the rest of the industry.
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.
With a Quick ratio value of 0.83, BMTX perfoms like the industry average, outperforming 41.18% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.83
BMTX Yearly Current Assets VS Current LiabilitesBMTX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 35.10% over the past year.
Looking at the last year, BMTX shows a decrease in Revenue. The Revenue has decreased by -0.09% in the last year.
BMTX shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.96% yearly.
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
The Revenue is expected to grow by 3.57% on average over the next years.
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.
BMTX Yearly Revenue VS EstimatesBMTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BMTX Yearly EPS VS EstimatesBMTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 0 1 -1

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BMTX. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 14.42, BMTX is valued correctly.
BMTX's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BMTX to the average of the S&P500 Index (20.99), we can say BMTX is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 14.42
BMTX Price Earnings VS Forward Price EarningsBMTX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BMTX indicates a somewhat cheap valuation: BMTX is cheaper than 63.73% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 22.48
EV/EBITDA N/A
BMTX Per share dataBMTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BMTX's earnings are expected to grow with 49.37% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.37%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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BM TECHNOLOGIES INC

NYSEARCA:BMTX (1/31/2025, 8:14:08 PM)

After market: 4.9902 -0.01 (-0.2%)

5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14 2024-11-14/amc
Earnings (Next)N/A N/A
Inst Owners37.95%
Inst Owner Change-45.47%
Ins Owners9.8%
Ins Owner Change-439.19%
Market Cap60.50M
Analysts43.33
Price Target5.51 (10.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-86.32%
Min EPS beat(2)-111.16%
Max EPS beat(2)-61.48%
EPS beat(4)1
Avg EPS beat(4)-19.49%
Min EPS beat(4)-111.16%
Max EPS beat(4)128.01%
EPS beat(8)2
Avg EPS beat(8)-20.19%
EPS beat(12)4
Avg EPS beat(12)-18.32%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-5.39%
Min Revenue beat(2)-12.12%
Max Revenue beat(2)1.34%
Revenue beat(4)2
Avg Revenue beat(4)-2%
Min Revenue beat(4)-12.12%
Max Revenue beat(4)5.35%
Revenue beat(8)3
Avg Revenue beat(8)-5.53%
Revenue beat(12)4
Avg Revenue beat(12)-6.28%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)3.85%
EPS NQ rev (1m)4.35%
EPS NQ rev (3m)-199.97%
EPS NY rev (1m)-44.26%
EPS NY rev (3m)-44.26%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)-4.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.38%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.42
P/S 1.06
P/FCF 22.48
P/OCF 6.8
P/B 2.81
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.98
EYN/A
EPS(NY)0.35
Fwd EY6.94%
FCF(TTM)0.22
FCFY4.45%
OCF(TTM)0.74
OCFY14.71%
SpS4.7
BVpS1.78
TBVpS-0.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -29.74%
ROE -60.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 4.73%
ROA(3y)-3.49%
ROA(5y)-5.28%
ROE(3y)-4.24%
ROE(5y)-12.06%
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 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.3
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 85.14%
Cap/Sales 10.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.83
Quick Ratio 0.83
Altman-Z 0.48
F-Score7
WACC9.13%
ROIC/WACCN/A
Cap/Depr(3y)33.8%
Cap/Depr(5y)N/A
Cap/Sales(3y)6.06%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
EPS Next Y40.16%
EPS Next 2Y49.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.09%
Revenue growth 3Y-5.96%
Revenue growth 5YN/A
Sales Q2Q%-4.5%
Revenue Next Year2.93%
Revenue Next 2Y3.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y55.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year102.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-67.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-31.05%
OCF growth 3Y-54.34%
OCF growth 5YN/A