Fundamental Analysis of BTRS HOLDINGS INC-CL 1(NASDAQ:BTRS) stock

Fundamental Rating

Overall BTRS gets a fundamental rating of 2 out of 10. We evaluated BTRS against 276 industry peers in the Software industry. The financial health of BTRS is average, but there are quite some concerns on its profitability. BTRS has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year BTRS has reported negative net income.

In the past year BTRS has reported a negative cash flow from operations.

1.2 Ratios

BTRS has negative profitability rations, so we won't be analyzing them here.

		Industry Rank	Sector Rank
ROA	N/A
ROE	N/A
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BTRS does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BTRS does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BTRS has been increased compared to 1 year ago.

The debt/assets ratio for BTRS is higher compared to a year ago.

2.2 Solvency

BTRS has an Altman-Z score of 5.05. This indicates that BTRS is financially healthy and has little risk of bankruptcy at the moment.

BTRS has a Altman-Z score of 5.05. This is in the better half of the industry: BTRS outperforms 77.67% of its industry peers.

BTRS has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

BTRS's Debt to Equity ratio of 0.00 is fine compared to the rest of the industry. BTRS outperforms 62.67% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	5.05

ROIC/WACCN/A

WACC10.26%

2.3 Liquidity

BTRS has a Current Ratio of 2.15. This indicates that BTRS is financially healthy and has no problem in meeting its short term obligations.

Looking at the Current ratio, with a value of 2.15, BTRS is in line with its industry, outperforming 57.67% of the companies in the same industry.

A Quick Ratio of 2.15 indicates that BTRS has no problem at all paying its short term obligations.

With a Quick ratio value of 2.15, BTRS perfoms like the industry average, outperforming 58.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	2.15
Quick Ratio	2.15

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BTRS have decreased strongly by -31.58% in the last year.

Looking at the last year, BTRS shows a very strong growth in Revenue. The Revenue has grown by 53.12%.

EPS 1Y (TTM)-31.58%

EPS 3YN/A

EPS 5YN/A

EPS growth Q2Q-85.71%

Revenue 1Y (TTM)53.12%

Revenue growth 3YN/A

Revenue growth 5YN/A

Revenue growth Q2Q24.19%

3.2 Future

Based on estimates for the next years, BTRS will show a small growth in Earnings Per Share. The EPS will grow by 2.45% on average per year.

Based on estimates for the next years, BTRS will show a quite strong growth in Revenue. The Revenue will grow by 18.43% on average per year.

EPS Next Y-18.52%

EPS Next 2Y17.4%

EPS Next 3Y14.59%

EPS Next 5Y2.45%

Revenue Next Year29.05%

Revenue Next 2Y25.59%

Revenue Next 3Y23.81%

Revenue Next 5Y18.43%

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BTRS. In the last year negative earnings were reported.

Also next year BTRS is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as BTRS's earnings are expected to grow with 14.59% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y17.4%

EPS Next 3Y14.59%

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5. Dividend

5.1 Amount

No dividends for BTRS!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BTRS HOLDINGS INC-CL 1

NASDAQ:BTRS (12/15/2022, 7:00:02 PM)

After market: 9.49 0 (0%)

9.49

-0.01 (-0.11%)

Chartmill FA Rating

GICS SectorInformation Technology

GICS IndustryGroupSoftware & Services

GICS IndustrySoftware

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap1.56B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	N/A
ROE	N/A
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.45

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	2.15
Quick Ratio	2.15
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-31.58%

EPS 3YN/A

EPS 5Y

EPS growth Q2Q

EPS Next Y-18.52%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)53.12%

Revenue growth 3YN/A

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

BTRS HOLDINGS INC-CL 1 (BTRS)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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