BM TECHNOLOGIES INC (BMTX)
US05591L1070 - Common Stock
BMTX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 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.
BMTX had a positive operating cash flow in the past year.
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
BMTX has a worse Return On Assets (-29.74%) than 92.93% 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 90.91% of its industry peers.
| Industry Rank | Sector 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
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.
The number of shares outstanding for BMTX has been reduced compared to 1 year ago.
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 0.45, we must say that BMTX is in the distress zone and has some risk of bankruptcy.
BMTX has a Altman-Z score (0.45) 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 0.45 |
ROIC/WACCN/A
WACC9.24%
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's Current ratio of 0.83 is in line compared to the rest of the industry. BMTX outperforms 40.40% of its industry peers.
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's Quick ratio of 0.83 is in line compared to the rest of the industry. BMTX outperforms 40.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
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
Based on estimates for the next years, BMTX will show a very strong growth in Earnings Per Share. The EPS will grow by 44.98% on average per year.
Based on estimates for the next years, BMTX will show a small growth in Revenue. The Revenue will grow by 2.73% on average per year.
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
BMTX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 32.03, BMTX can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, BMTX is valued a bit more expensive than 76.77% of the companies in the same industry.
BMTX is valuated rather expensively when we compare the Price/Forward Earnings ratio to 23.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.03 |
4.2 Price Multiples
BMTX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BMTX is cheaper than 64.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.03 | ||
| 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 (1/6/2025, 4:10:03 PM)
4.9
-0.01 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners37.95%
Inst Owner Change0%
Ins Owners9.8%
Ins Owner Change0%
Market Cap59.29M
Analysts43.33
Price Target5.51 (12.45%)
Short Float %7.8%
Short Ratio2.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)0%
EPS NQ rev (3m)-213.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-205%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.03 | ||
| P/S | 1.04 | ||
| P/FCF | 22.03 | ||
| P/OCF | 6.66 | ||
| P/B | 2.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.98
EYN/A
EPS(NY)0.15
Fwd EY3.12%
FCF(TTM)0.22
FCFY4.54%
OCF(TTM)0.74
OCFY15.01%
SpS4.7
BVpS1.78
TBVpS-0.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.45 |
F-Score7
WACC9.24%
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 Y58.52%
EPS Next 2Y44.98%
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 Year2.55%
Revenue Next 2Y2.73%
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