BM Technologies, Inc.
BM Technologies, Inc. Fundamental Analysis
BM Technologies, Inc. (BMTX-WT) shows weak financial fundamentals with a PE ratio of -3.34, profit margin of -31.37%, and ROE of -43.42%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -51.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BMTX-WT's fundamental strength across five key dimensions:
Efficiency Score
WeakBMTX-WT struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBMTX-WT trades at attractive valuation levels.
Growth Score
WeakBMTX-WT faces weak or negative growth trends.
Financial Health Score
ExcellentBMTX-WT maintains a strong and stable balance sheet.
Profitability Score
WeakBMTX-WT struggles to sustain strong margins.
Key Financial Metrics
Is BMTX-WT Expensive or Cheap?
P/E Ratio
BMTX-WT trades at -3.34 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BMTX-WT's PEG of -0.03 indicates potential undervaluation.
Price to Book
The market values BM Technologies, Inc. at 1.87 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -10.88 times EBITDA. This is generally considered low.
How Well Does BMTX-WT Make Money?
Net Profit Margin
For every $100 in sales, BM Technologies, Inc. keeps $-31.37 as profit after all expenses.
Operating Margin
Core operations generate -34.47 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-43.42 in profit for every $100 of shareholder equity.
ROA
BM Technologies, Inc. generates $-31.72 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BM Technologies, Inc. generates limited operating cash flow of $1.57M, signaling weaker underlying cash strength.
Free Cash Flow
BM Technologies, Inc. generates weak or negative free cash flow of $-4.46M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.38 in free cash annually.
FCF Yield
BMTX-WT converts -7.19% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-3.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.03
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.87
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.09
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.25
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.43
vs 25 benchmark
ROA
Return on assets percentage
-0.32
vs 25 benchmark
ROCE
Return on capital employed
-0.60
vs 25 benchmark
How BMTX-WT Stacks Against Its Sector Peers
| Metric | BMTX-WT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -3.34 | 33.94 | Better (Cheaper) |
| ROE | -43.42% | 1002.00% | Weak |
| Net Margin | -31.37% | -48794.00% (disorted) | Weak |
| Debt/Equity | 0.00 | 0.44 | Strong (Low Leverage) |
| Current Ratio | 1.25 | 5.74 | Neutral |
| ROA | -31.72% | -288341.00% (disorted) | Weak |
BMTX-WT outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BM Technologies, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Growth, Innovation, High Beta
EPS CAGR
N/A
Industry Style: Growth, Innovation, High Beta
FCF CAGR
N/A
Industry Style: Growth, Innovation, High Beta