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BM Technologies, Inc. BMTX

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Price alert · BMTX

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5.00 0.00 (+0.00%)

At closeJan 31, 2025, 4:00 PM EST

4.99 Day range 5.00

52-week range unavailable

Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -1.4×
FY 2017: -95200×FY 2018: 688×FY 2019: 21.8×FY 2020: -15.3×FY 2021: 6.4×FY 2022: -79.9×FY 2023: -1.4×
FY 2017 5y median -1.4× FY 2023
P/S 0.4×
FY 2017: 16.4×FY 2018: 3.5×FY 2019: 1.3×FY 2020: 2.7×FY 2021: 1.1×FY 2022: 0.7×FY 2023: 0.4×
FY 2017 5y median 1.1× FY 2023
P/B 0.8×
FY 2017: 8835×FY 2018: 1.2×FY 2019: 0.6×FY 2020: 9.4×FY 2021: 2.9×FY 2022: 1.3×FY 2023: 0.8×
FY 2017 5y median 1.3× FY 2023
P/FCF -5.5×
FY 2017: -980×FY 2018: -309×FY 2019: -56.8×FY 2020: -32.3×FY 2021: 4.1×FY 2022: -28.3×FY 2023: -5.5×
FY 2017 5y median -28.3× FY 2023
EV/EBITDA -1.4×
FY 2017: -116172×FY 2018: 0.0×FY 2019: 17.9×FY 2020: 81.9×FY 2021: 2.4×FY 2022: 3.7×FY 2023: -1.4×
FY 2017 5y median 3.7× FY 2023
EV/Sales 0.2×
FY 2017: 16.4×FY 2018: 3.5×FY 2019: 1.9×FY 2020: 3.0×FY 2021: 0.9×FY 2022: 0.5×FY 2023: 0.2×
FY 2017 5y median 0.9× FY 2023
FCF Yield -18.3%
FY 2017: -0.1%FY 2018: -0.3%FY 2019: -1.8%FY 2020: -3.1%FY 2021: 24.6%FY 2022: -3.5%FY 2023: -18.3%
FY 2017 5y median -3.1% FY 2023

Profitability

Gross Margin 48.1%
FY 2017: 17.6%FY 2018: 43.7%FY 2019: 60.1%FY 2020: 57.8%FY 2021: 67.2%FY 2022: 64.0%FY 2023: 48.1%
FY 2017 5y median 60.1% FY 2023
Operating Margin -34.5%
FY 2017: -0.0%FY 2018: -1.3%FY 2019: 4.4%FY 2020: -15.5%FY 2021: 6.0%FY 2022: -10.7%FY 2023: -34.5%
FY 2017 5y median -10.7% FY 2023
Net Margin -31.4%
FY 2017: -0.0%FY 2018: 0.5%FY 2019: 5.9%FY 2020: -17.6%FY 2021: 17.9%FY 2022: -0.9%FY 2023: -31.4%
FY 2017 5y median -0.9% FY 2023
ROE -56.0%
FY 2017: -7.6%FY 2018: 0.2%FY 2019: 2.7%FY 2020: -61.1%FY 2021: 44.9%FY 2022: -1.6%FY 2023: -56.0%
FY 2017 5y median -1.6% FY 2023
ROIC -60.0%
FY 2017: 0.0%FY 2018: -0.6%FY 2019: 1.5%FY 2020: -21.7%FY 2021: 8.1%FY 2022: -11.4%FY 2023: -60.0%
FY 2017 5y median -11.4% FY 2023
ROA -31.7%
FY 2017: -2.2%FY 2018: 0.2%FY 2019: 2.4%FY 2020: -24.7%FY 2021: 22.3%FY 2022: -1.1%FY 2023: -31.7%
FY 2017 5y median -1.1% FY 2023

Growth (YoY)

Revenue -33.9%
FY 2017: 0.0%FY 2018: 358.6%FY 2019: 25.7%FY 2020: -7.5%FY 2021: 42.1%FY 2022: -12.0%FY 2023: -33.9%
FY 2017 FY 2023
Operating Income -112.4%
FY 2017: 0.0%FY 2018: -40589.8%FY 2019: 537.6%FY 2020: -429.2%FY 2021: 154.6%FY 2022: -258.2%FY 2023: -112.4%
FY 2017 FY 2023
EPS (diluted) -2200.6%
FY 2017: 0.0%FY 2018: 14200.0%FY 2019: 3233.3%FY 2020: -295.7%FY 2021: 255.4%FY 2022: -104.6%FY 2023: -2200.6%
FY 2017 FY 2023
Free Cash Flow -98.0%
FY 2017: 0.0%FY 2018: -213.1%FY 2019: -152.5%FY 2020: -238.9%FY 2021: 578.0%FY 2022: -108.2%FY 2023: -98.0%
FY 2017 FY 2023

Financial Health

Current Ratio 1.2×
FY 2017: 0.0×FY 2018: 2.1×FY 2019: 0.7×FY 2020: 0.0×FY 2021: 1.5×FY 2022: 2.0×FY 2023: 1.2×
FY 2017 5y median 1.2× FY 2023
Quick Ratio 1.2×
FY 2017: 0.0×FY 2018: 2.1×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 1.5×FY 2022: 2.0×FY 2023: 1.2×
FY 2017 5y median 1.2× FY 2023
Debt / Equity 0.0×
FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 1.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×
FY 2017 5y median 0.0× FY 2023
Net Debt / EBITDA 2.1×
FY 2017: -0.8×FY 2018: 0.0×FY 2019: 5.4×FY 2020: 8.9×FY 2021: -0.7×FY 2022: -1.9×FY 2023: 2.1×
FY 2017 5y median 2.1× FY 2023
Interest Coverage 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: -7.4×FY 2021: 59.0×FY 2022: 0.0×FY 2023: 0.0×
FY 2017 5y median 0.0× FY 2023

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2017 5y median 0.0% FY 2023
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2017 5y median 0.0% FY 2023

Annual · latest fiscal year ends 2023-12-31