BM TECHNOLOGIES INC (BMTX) Fundamental Analysis & Valuation

NYSEARCA:BMTX • US05591L1070

Current stock price

5 USD
0 (0%)
At close:
4.9902 USD
-0.01 (-0.2%)
After Hours:

This BMTX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BMTX Profitability Analysis

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.
  • 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

  • With a Return On Assets value of -29.74%, BMTX is not doing good in the industry: 92.16% of the companies in the same industry are doing better.
  • 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. BMTX Health Analysis

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
  • 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.
  • BMTX's Altman-Z score of 0.48 is in line compared to the rest of the industry. BMTX outperforms 49.02% of its industry peers.
  • 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

  • A Current Ratio of 0.83 indicates that BMTX may have some problems paying its short term obligations.
  • BMTX's Current ratio of 0.83 is in line compared to the rest of the industry. BMTX outperforms 41.18% of its industry peers.
  • A Quick Ratio of 0.83 indicates that BMTX may have some problems paying its short term obligations.
  • The Quick ratio of BMTX (0.83) 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BMTX Growth Analysis

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.
  • 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

  • BMTX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 49.37% yearly.
  • 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. BMTX Valuation Analysis

4.1 Price/Earnings Ratio

  • BMTX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 14.42, the valuation of BMTX can be described as correct.
  • BMTX's Price/Forward Earnings is on the same level as the industry average.
  • BMTX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
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

  • 63.73% of the companies in the same industry are more expensive than BMTX, based on the Price/Free Cash Flow ratio.
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

  • BMTX's 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BMTX Dividend Analysis

5.1 Amount

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

More info and screens

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BMTX Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)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 Fundamental Analysis 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.