BM Technologies, Inc.

BMTX

BMTXBM Technologies, Inc. US flag

New York Stock Exchange Arca

5.00

USD

- -

60.44MMarket Cap

Income Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Sales/Revenue/Turnover	- -	66	95	84	55
+ Sales & Services Revenue	- -	66	95	84	55
- Cost of Revenue	- -	31	31	30	29
+ Cost of Goods & Services	- -	31	31	30	29
Gross Profit	- -	36	64	54	27
+ Other Operating Income	- -	- -	- -	- -	- -
- Operating Expenses	1	46	58	62	46
+ Selling, General & Admin	- -	38	50	52	34
+ Research & Development	- -	- -	- -	- -	- -
+ Other Operating Expense	- -	8	8	10	11
Operating Income (Loss)	-1	-10	6	-9	-19
- Non-Operating (Income) Loss	-6	2	-17	-8	-2
+ Interest Expense, Net	-4	- -	- -	- -	- -
+ Interest Expense	- -	1	- -	- -	- -
- Interest Income	4	1	- -	- -	- -
+ Other Non-Op (Income) Loss	-2	2	-17	-8	-2
Pretax Income	5	-12	23	-1	-17
- Income Tax Expense (Benefit)	1	- -	6	- -	- -
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	-12	17	-1	-17
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	-12	17	-1	-17
- Minority Interest	- -	- -	- -	- -	- -
Net Income, GAAP	4	-12	17	-1	-17
- Preferred Dividends	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	-12	17	-1	-17
EBIT	-1	-10	6	-9	-19
EBITDA	-1	3	19	3	-7
EBITDA Margin (%)	- -	4.84	19.54	4.09	-12.43
EBITA	-1	-10	6	-9	-19
Gross Margin (%)	- -	53.88	67.11	64.03	48.08
Operating Margin (%)	- -	-15.14	6.05	-10.73	-34.47
Profit Margin (%)	- -	-18.38	18	-0.93	-31.37
Sales per Employee	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -
Depreciation Expense	- -	13	13	12	12
Basic Weighted Avg Shares	6	12	12	12	12
Basic EPS, GAAP	0.7	-1	1.44	-0.07	-1.5
Basic EPS from Cont Ops	0.7	-1	1.44	-0.07	-1.5
Diluted Weighted Avg Shares	6	12	12	12	12
Diluted EPS, GAAP	0.7	-1	1.43	-0.07	-1.5
Diluted EPS from Cont Ops	0.7	-1	1.43	-0.07	-1.5

Balance Sheet (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Total Current Assets	1	15	37	38	29
+ Cash, Cash Equivalents & STI	- -	3	26	21	14
+ Cash & Cash Equivalents	- -	3	26	21	14
+ ST Investments	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	- -	10	9	8	9
+ Accounts Receivable, Net	- -	10	9	8	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -
+ Other ST Assets	- -	2	2	9	5
+ Misc ST Assets	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -
Total Noncurrent Assets	175	51	39	33	26
+ Property, Plant & Equip, Net	- -	- -	- -	1	1
+ Property, Plant & Equip	- -	2	2	1	1
- Accumulated Depreciation	- -	2	2	1	- -
+ LT Investments & Receivables	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -
+ Other LT Assets	175	51	39	32	26
+ Total Intangible Assets	- -	50	39	32	26
+ Goodwill	- -	5	5	5	5
+ Other Intangible Assets	- -	45	33	27	20
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -
+ Misc LT Assets	175	1	- -	- -	- -
Total Assets	176	67	76	71	55
+ Payables & Accruals	1	8	9	13	11
+ Accounts Payable	- -	8	7	13	11
+ Accrued Taxes	1	- -	2	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -
+ ST Debt	- -	22	- -	- -	- -
+ ST Borrowings	- -	21	- -	- -	- -
+ ST Finance Leases	- -	1	- -	- -	- -
+ Other ST Liabilities	- -	11	15	7	12
+ Deferred Revenue	- -	11	15	7	12
+ Derivatives & Hedging	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -
Total Current Liabilities	1	40	25	19	23
+ LT Debt	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -
+ Other LT Liabilities	14	2	14	3	1
+ Accrued Liabilities	7	2	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -
+ Misc LT Liabilities	8	- -	14	3	1
Total Noncurrent Liabilities	14	3	14	3	1
Total Liabilities	15	42	38	22	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Share Capital & APIC	156	64	61	72	72
+ Common Stock	156	- -	- -	- -	- -
+ Additional Paid in Capital	- -	64	61	72	72
- Treasury Stock	- -	- -	- -	- -	- -
+ Retained Earnings	5	-40	-23	-23	-41
+ Other Equity	- -	- -	- -	- -	- -
Equity Before Minority Interest	161	24	38	49	31
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
Total Equity	161	24	38	49	31
Total Liabilities & Equity	176	67	76	71	55
Shares Outstanding	12	12	12	12	12
Number of Employees	- -	- -	- -	- -	- -
Capital Leases - Total	- -	1	- -	- -	- -
Net Debt	- -	18	-26	-21	-14
Net Debt to Equity	-0.3	74.21	-67.68	-43.2	-46.13
Tangible Common Equity Ratio	91.37	-154.7	-1.64	43.17	18.66
Current Ratio	0.68	0.39	1.51	1.99	1.25
Cash Conversion Cycle	- -	-17.9	-47.71	-81.04	-90.55

Cash Flow Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
+ Net Income	4	-12	17	-1	-17
+ Depreciation & Amortization	- -	13	13	12	12
+ Non-Cash Items	-6	4	-6	4	1
+ Stock-Based Compensation	- -	- -	11	11	2
+ Deferred Income Taxes	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	4	- -	- -	1
+ Other Non-Cash Adj	-6	- -	-17	-8	-2
+ Chg in Non-Cash Work Cap	- -	11	3	-12	6
+ (Inc) Dec in Accts Receiv	- -	1	1	1	-2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	6	- -	-7	4
+ Inc (Dec) in Accts Payable	- -	-4	- -	4	-2
+ Inc (Dec) in Other	- -	7	2	-9	6
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -
Cash from Operating Activities	-1	16	28	3	2
+ Change in Fixed & Intang	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-4	-1	-6	-6
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	-4	-1	-5	-6
+ Cash (Repurchase) of Equity	- -	-128	- -	- -	- -
+ Increase in Capital Stock	- -	20	- -	- -	- -
+ Decrease in Capital Stock	- -	-148	- -	- -	- -
+ Net Change in LT Investment	1	1	- -	- -	- -
+ Dec in LT Investment	1	1	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	-1	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -
Cash from Investing Activities	1	-4	-1	-6	-6
+ Dividends Paid	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	-19	-21	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -
+ Repayments of Debt	- -	-19	-21	- -	- -
+ Other Financing Activities	- -	130	17	-2	-2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -
Cash from Financing Activities	- -	-18	-4	-2	-2
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -
Net Changes in Cash	-1	-6	23	-5	-7
EBITDA	-1	3	19	3	-7
EBITDA Margin (%)	- -	4.84	19.54	4.09	-12.43
Free Cash Flow	-1	12	27	-2	-4
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-1	- -	27	- -	- -
Free Cash Flow to Equity	- -	-3	6	3	1
Free Cash Flow per Basic Share	-0.24	0.99	2.26	-0.18	-0.38
Price/Free Cash Flow	-42.9	8.54	3.89	6.8	3.21
Cash Flow to Net Income	-0.34	-1.31	1.62	-4.47	-0.09
Capital Expenditures	- -	-4	-1	-6	-6