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BM TECHNOLOGIES INC (BMTX) Stock Fundamental Analysis

NYSEARCA:BMTX - US05591L1070 - Common Stock

5 USD
0 (0%)
Last: 1/31/2025, 8:14:08 PM
4.9902 USD
-0.01 (-0.2%)
After Hours: 1/31/2025, 8:14:08 PM
Fundamental Rating

3

Taking everything into account, BMTX scores 3 out of 10 in our fundamental rating. BMTX was compared to 102 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BMTX had negative earnings in the past year.
In the past year BMTX had a positive cash flow from operations.
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.
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's Return On Assets of -29.74% is on the low side compared to the rest of the industry. BMTX is outperformed by 92.16% of its industry peers.
BMTX's Return On Equity of -60.58% is on the low side compared to the rest of the industry. BMTX is outperformed by 90.20% of its industry peers.
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
BMTX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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.
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.
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.
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.
BMTX has a Current ratio (0.83) which 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.
BMTX has a Quick ratio (0.83) which is comparable to the rest of the 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.
The Revenue has decreased by -0.09% in the past year.
Measured over the past years, BMTX shows a decrease in Revenue. The Revenue has been decreasing by -5.96% on average per year.
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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

BMTX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 14.42, which indicates a correct valuation of BMTX.
BMTX's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, BMTX is valued a bit 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 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BMTX is valued a bit cheaper than 63.73% of the companies 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.
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

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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 Change0%
Ins Owners9.8%
Ins Owner Change0%
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