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BM TECHNOLOGIES INC (BMTX) Stock Fundamental Analysis

USA - NYSE Arca - 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 99 industry peers in the Financial Services industry. The financial health of BMTX is average, but 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.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year BMTX has reported negative net income.
In the past year BMTX had a positive cash flow from operations.
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

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.
Looking at the Return On Equity, with a value of -60.58%, BMTX is doing worse than 90.20% of the companies in the same industry.
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.
Compared to 1 year ago, BMTX has less shares outstanding
BMTX has less shares outstanding than it did 5 years ago.
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.
BMTX has a Altman-Z score (0.48) which is in line with its industry peers.
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

A Current Ratio of 0.83 indicates that BMTX may have some problems paying its short term obligations.
With a Current ratio value of 0.83, BMTX perfoms like the industry average, outperforming 41.18% of the companies in the same industry.
A Quick Ratio of 0.83 indicates that BMTX may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.83, BMTX is in line with its industry, 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.
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

BMTX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 49.37% yearly.
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.
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.
A Price/Forward Earnings ratio of 14.42 indicates a correct valuation of BMTX.
The rest of the industry has a similar Price/Forward Earnings ratio as BMTX.
When comparing the Price/Forward Earnings ratio of BMTX to the average of the S&P500 Index (24.03), 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

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 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

BMTX does not give a dividend.
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
Revenue(TTM)56.84M
Net Income(TTM)-13.04M
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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

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.


What is the valuation status of BM TECHNOLOGIES INC (BMTX) stock?

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.


What is the expected EPS growth for BM TECHNOLOGIES INC (BMTX) stock?

The Earnings per Share (EPS) of BM TECHNOLOGIES INC (BMTX) is expected to grow by 40.16% in the next year.