Bm Technologies Financials

BMTX Stock  USD 4.77  0.02  0.42%   
Based on the key indicators related to Bm Technologies' liquidity, profitability, solvency, and operating efficiency, Bm Technologies is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Bm Technologies' Property Plant And Equipment Net is fairly stable compared to the past year. Current Deferred Revenue is likely to rise to about 12.9 M in 2024, whereas Total Current Liabilities is likely to drop slightly above 14.2 M in 2024. Key indicators impacting Bm Technologies' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio1.030.98
Sufficiently Up
Slightly volatile
Current Ratio1.01.2474
Significantly Down
Slightly volatile
Investors should never underestimate Bm Technologies' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bm Technologies' cash flow, debt, and profitability to make informed and accurate decisions about investing in Bm Technologies.

Net Income

(16.46 Million)

  
Understanding current and past Bm Technologies Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bm Technologies' financial statements are interrelated, with each one affecting the others. For example, an increase in Bm Technologies' assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Bm Technologies' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Bm Technologies. Check Bm Technologies' Beneish M Score to see the likelihood of Bm Technologies' management manipulating its earnings.

Bm Technologies Stock Summary

Bm Technologies competes with Daily Journal, C3 Ai, A2Z Smart, and Eventbrite. BM Technologies, Inc. operates as a financial technology company in the United States. BM Technologies, Inc. was founded in 2014 and is headquartered in Wayne, Pennsylvania. Bm Technologies operates under SoftwareApplication classification in the United States and is traded on AMEX Exchange. It employs 275 people.
Specialization
Information Technology, Software - Application
InstrumentUSA Stock View All
ExchangeNYSE MKT Exchange
ISINUS05591L1070
CUSIP05591L107 58518F109 58518F208
LocationPennsylvania; U.S.A
Business Address201 King of
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websiteir.bmtxinc.com
Phone877 327 9515
CurrencyUSD - US Dollar

Bm Technologies Key Financial Ratios

Bm Technologies Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets175.9M47.8M76.4M71.0M54.6M68.5M
Retained Earnings5.0M1.8M(22.7M)(23.5M)(40.8M)(38.8M)
Cash482.7K43.2K25.7M21.1M14.3M9.9M
Other Assets7K853K439K72K82.8K78.7K
Capital Surpluse0.064.0M60.7M72.3M83.2M87.4M
Total Liab15.2M28.5M38.4M22.2M23.7M21.3M
Total Current Assets520.2K83.9K36.6M38.4M28.6M16.6M
Short Term Debt40M21.7M416K12.7M10.6M13.4M
Common Stock161.0M155.8M14.3M1K900.0855.0
Other Current Liab652.2K(18.1M)1.8M12.7M10.6M11.1M
Other Liab3.1M2.1M13.8M2.8M3.3M5.1M
Net Tangible Assets(26.8M)(29.5M)(5.9M)16.8M19.4M20.3M
Net Debt41.1M22.1M(25.3M)(21.1M)(14.3M)(13.6M)
Accounts Payable112.0K7.5M6.9M12.7M10.6M7.9M
Net Receivables11.3M10.0M9.2M8.3M9.1M7.6M
Other Current Assets37.6K2.3M2.1M9.1M5.1M3.4M

Bm Technologies Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
201920202021202220232024 (projected)
Interest Expense7.8M1.4M96K20.2M23.2M24.3M
Total Revenue72.3M66.9M95.0M83.6M55.3M58.6M
Operating Income3.2M(10.4M)5.7M(9.0M)(19.0M)(18.1M)
Ebit3.2M(10.8M)22.9M(9.0M)(17.3M)(16.4M)
Income Before Tax5.1M(11.8M)22.8M(1.2M)(17.3M)(16.4M)
Net Income4.3M(11.8M)17.0M(779K)(17.3M)(16.5M)
Income Tax Expense788.0K23K5.8M(411K)16K15.2K
Tax Provision788.0K23K5.8M(411K)(2.2M)(2.1M)
Interest Income4.0M1.4M17.1M8.1M9.3M7.0M
Ebitda(2.7M)2.5M35.7M3.4M(5.1M)(4.9M)

Bm Technologies Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Bm Technologies. It measures of how well BMTX is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Bm Technologies brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money BMTX had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Bm Technologies has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change In Cash(710.3K)(439.5K)22.7M(4.6M)(6.8M)(6.5M)
Free Cash Flow(1.7M)(5.6M)26.8M(2.2M)(4.3M)(4.1M)
Depreciation2.5M13.3M12.8M12.4M12.2M8.6M
Other Non Cash Items(5.9M)(1.4M)(17.0M)(7.8M)(1.3M)(1.3M)
Capital Expenditures191K4.0M733K5.7M5.9M6.2M
Net Income4.3M(890.7K)17.0M(779K)(17.3M)(16.5M)
End Period Cash Flow482.7K43.2K25.7M21.1M14.3M9.9M
Change To Netincome251K(494K)4.2M(5.7M)(5.1M)(4.8M)

BMTX Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bm Technologies's current stock value. Our valuation model uses many indicators to compare Bm Technologies value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bm Technologies competition to find correlations between indicators driving Bm Technologies's intrinsic value. More Info.
Bm Technologies is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers . At this time, Bm Technologies' Return On Equity is fairly stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bm Technologies' earnings, one of the primary drivers of an investment's value.

Bm Technologies Systematic Risk

Bm Technologies' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bm Technologies volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Bm Technologies correlated with the market. If Beta is less than 0 Bm Technologies generally moves in the opposite direction as compared to the market. If Bm Technologies Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bm Technologies is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bm Technologies is generally in the same direction as the market. If Beta > 1 Bm Technologies moves generally in the same direction as, but more than the movement of the benchmark.

Bm Technologies Thematic Clasifications

Bm Technologies is part of several thematic ideas from Data Storage to Software. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Bm Technologies Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bm Technologies' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bm Technologies growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(5.91E-4)

At this time, Bm Technologies' Price Earnings To Growth Ratio is fairly stable compared to the past year.

Bm Technologies November 21, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bm Technologies help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bm Technologies. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bm Technologies based on widely used predictive technical indicators. In general, we focus on analyzing BMTX Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bm Technologies's daily price indicators and compare them against related drivers.

Additional Tools for BMTX Stock Analysis

When running Bm Technologies' price analysis, check to measure Bm Technologies' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bm Technologies is operating at the current time. Most of Bm Technologies' value examination focuses on studying past and present price action to predict the probability of Bm Technologies' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bm Technologies' price. Additionally, you may evaluate how the addition of Bm Technologies to your portfolios can decrease your overall portfolio volatility.