BM TECHNOLOGIES INC (BMTX)
US05591L1070 - Common Stock
Overall BMTX gets a fundamental rating of 3 out of 10. We evaluated BMTX against 100 industry peers in the Financial Services industry. While BMTX seems to be doing ok healthwise, there are quite some concerns on its profitability. BMTX does not seem to be growing, but still is valued expensively.
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.
The reported net income has been mixed in the past 5 years: BMTX reported negative net income in multiple years.
Of the past 5 years BMTX 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -24.99%, BMTX is doing worse than 92.00% of the companies in the same industry.
BMTX's Return On Equity of -45.92% is on the low side compared to the rest of the industry. BMTX is outperformed by 91.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -24.99% | ||
| ROE | -45.92% | ||
| 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
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for BMTX so they could not be analyzed.
| 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
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.
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.
2.2 Solvency
Based on the Altman-Z score of 0.78, we must say that BMTX is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of BMTX (0.78) is comparable to the rest of the 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 0.78 |
ROIC/WACCN/A
WACC9.07%
2.3 Liquidity
BMTX has a Current Ratio of 1.02. This is a normal value and indicates that BMTX is financially healthy and should not expect problems in meeting its short term obligations.
BMTX has a Current ratio (1.02) which is comparable to the rest of the industry.
A Quick Ratio of 1.02 indicates that BMTX should not have too much problems paying its short term obligations.
The Quick ratio of BMTX (1.02) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.02 | ||
| Quick Ratio | 1.02 |
3. Growth
3.1 Past
BMTX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.04%, which is quite impressive.
BMTX shows a decrease in Revenue. In the last year, the revenue decreased by -7.27%.
The Revenue has been decreasing by -5.96% on average over the past years.
EPS 1Y (TTM)43.04%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.21%
Revenue 1Y (TTM)-7.27%
Revenue growth 3Y-5.96%
Revenue growth 5YN/A
Sales Q2Q%-3.43%
3.2 Future
The Earnings Per Share is expected to grow by 44.98% on average over the next years. This is a very strong growth
BMTX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.73% yearly.
EPS Next Y58.52%
EPS Next 2Y44.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.55%
Revenue Next 2Y2.73%
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.
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 31.18, BMTX can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, BMTX is valued a bit more expensive than the industry average as 74.00% of the companies are valued more cheaply.
BMTX's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 24.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 31.18 |
4.2 Price Multiples
BMTX's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.86 | ||
| EV/EBITDA | N/A |
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 44.98% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BMTX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BM TECHNOLOGIES INC
NYSEARCA:BMTX (11/22/2024, 4:10:02 PM)
4.77
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap57.72M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
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 | 31.18 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
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 | -24.99% | ||
| ROE | -45.92% | ||
| 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 Turnover1.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.02 | ||
| Quick Ratio | 1.02 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)43.04%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y58.52%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.27%
Revenue growth 3Y-5.96%
Revenue growth 5Y
Sales 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