BM Technologies, Inc.

BMTX

BMTXBM Technologies, Inc. US flag

New York Stock Exchange Arca

5.00

USD

- -

60.44MMarket Cap

Profitability (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-10.07	23.84	-1.06	-27.58
Return on Capital (%)	- -	- -	-85.78	- -	- -
Return on Invested Capital (%)	- -	- -	9.9	- -	- -
Gross Margin (%)	- -	53.88	67.11	64.03	48.08
EBITDA Margin (%)	- -	4.84	19.54	4.09	-12.43
Operating Margin (%)	- -	-15.14	6.05	-10.73	-34.47
Incremental Operating Margin (%)	- -	- -	55.85	- -	- -
Pretax Margin (%)	- -	-18.35	24.07	-1.42	-31.34
Profit Margin (%)	- -	-18.38	18	-0.93	-31.37
Net Income to Common Margin (%)	- -	-18.38	18	-0.93	-31.37
Effective Tax Rate (%)	15.57	- -	25.23	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Total Debt	- -	22	- -	- -	- -
ST Debt	- -	22	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	6.88	0.02	- -	- -
Net Debt/EBITDA	0.6	5.6	-1.39	-6.17	2.08
Total Debt/EBIT	- -	-2.2	0.07	- -	- -
Net Debt/EBIT	0.6	-1.79	-4.49	2.35	0.75
EBITDA to Interest Expense	- -	2.31	192.8	- -	- -
EBITDA-CapEx/Interest Expense	- -	-0.58	185.17	- -	- -
EBIT to Interest Expense	- -	-7.21	59.7	- -	- -
Interest Expense	- -	1	- -	- -	- -
Common Equity/Total Assets	91.37	-59.67	-29.74	-33.06	-74.7
Long-Term Debt/Equity (%)	- -	1.77	- -	- -	- -
Long-Term Debt/Capital (%)	- -	-2.44	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.65	- -	- -	- -
Total Debt/Equity (%)	- -	91.19	1.1	- -	- -
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt/Total Assets (%)	- -	33.22	0.54	- -	- -
Net Debt to Equity	-0.3	74.21	-67.68	-43.2	-46.13
Net Debt/Capital (%)	-0.3	-87.41	53.56	47.34	25.93
EBITDA	-1	3	19	3	-7
EBITDA-CapEx	-1	-1	18	-2	-13
Operating Income (Loss)	-1	-10	6	-9	-19

Liquidity (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Cash Ratio	0.63	0.08	1.05	1.09	0.62
Current Ratio	0.68	0.39	1.51	1.99	1.25
Quick Ratio	0.63	0.33	1.42	1.52	1.02
CFO/Avg Current Liab	- -	0.79	0.86	0.16	0.07
Common Equity/Total Assets	91.37	-59.67	-29.74	-33.06	-74.7
Long-Term Debt/Equity (%)	- -	1.77	- -	- -	- -
Long-Term Debt/Capital (%)	- -	-2.44	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.65	- -	- -	- -
Total Debt/Equity (%)	- -	91.19	1.1	- -	- -
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt/Total Assets (%)	- -	33.22	0.54	- -	- -
CFO/Total Liabilities	-9.65	37.88	71.8	15.69	6.45
CFO/CapEx	- -	3.99	37.58	0.61	0.26
Altman's Z-Score	2.51	-0.68	4.27	2.81	-1.39

Working Capital (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Accounts Receivable Turnover	- -	13.24	9.85	9.58	6.36
Days Sales Outstanding	- -	27.56	37.05	38.1	57.43
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	8.03	4.31	3.06	2.47
Accounts Payable Turnover Days	- -	45.46	84.76	119.14	147.99
Cash Conversion Cycle	- -	-17.9	-47.71	-81.04	-90.55
Inventory to Cash Days	- -	27.56	37.05	38.1	57.43
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Market Capitalization	63	171	109	62	24
- Cash & Cash Equivalents	- -	3	26	21	14
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	22	- -	- -	- -
Enterprise Value	62	190	84	41	9
Total Capital	161	-18	-22	-23	-41
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt / EV	- -	0.12	- -	- -	- -
EV/Sales	- -	2.87	0.89	0.49	0.17
EV/EBITDA	- -	59.2	4.53	12.01	- -
EV/EBIT	- -	- -	14.63	- -	- -
EV/Cash Flow to Firm	- -	10.92	3.04	11.81	6.18
EV/Free Cash Flow to Firm	- -	8.88	2.96	4.49	1.28
Diluted Market Cap	63	171	110	62	24
Diluted Enterprise Value	62	190	85	41	9
EV per Share	10.18	15.61	7.08	3.44	0.82
TTM Sales	- -	66	95	84	55
TTM EBITDA	-1	3	19	3	-7
TTM Operating Income	-1	-10	6	-9	-19
TTM Cash Flow to Firm	-1	17	28	3	2
TTM Free Cash Flow to Firm	-1	21	28	9	7

Multiples (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Price/Free Cash Flow	-42.9	8.54	3.89	6.8	3.21
EV/EBIT	- -	- -	14.63	- -	- -
Enterprise Value	62	190	84	41	9
Low Price	9.61	10.05	7.68	4.71	1.41
EV/Sales	- -	2.87	0.89	0.49	0.17
EV/EBITDA	- -	59.2	4.53	12.01	- -
Price/Earnings	14.7	- -	6.4	- -	- -
Price/Earnings Average	14.4	-10.64	7.86	-110.22	-2.02
Price/Earnings High	14.83	-15.49	12.76	-163.26	-3.84
Price/Earnings Low	13.77	-10.04	5.34	-72.2	-0.94
Price/Book Value	0.39	-4.31	-4.81	-2.65	-0.58
Price/Book Value Average	0.38	-3.27	-5.9	-3.66	-0.86
Price/Book Value High	0.39	-4.76	-9.58	-5.42	-1.63
Price/Book Value Low	0.37	-3.08	-4.01	-2.4	-0.4
Price/Tangible Book Value	0.39	-6.66	-176.04	3.69	4.37
Price/Tangible Book Value Average	0.38	-5.05	-216.07	5.1	6.45
Price/Tangible Book Value High	0.39	-7.36	-350.75	7.55	12.24
Price/Tangible Book Value Low	0.37	-4.77	-146.8	3.34	3
Price/Sales	- -	2.58	1.15	0.74	0.43
Price/Sales Average	- -	1.96	1.41	1.03	0.63
Price/Sales High	- -	2.85	2.3	1.52	1.2
Price/Sales Low	- -	1.85	0.96	0.67	0.3
Price/Cash Flow	-42.9	10.68	3.96	17.88	15.54
Price/Cash Flow Average	-42.02	8.1	4.86	24.67	22.93
Price/Cash Flow High	-43.28	11.8	7.9	36.55	43.54
Price/Cash Flow Low	-40.18	7.65	3.3	16.16	10.69
Price/Free Cash Flow Average	-42.02	6.48	4.77	9.38	4.73
Price/Free Cash Flow High	-43.28	9.43	7.75	13.89	8.99
Price/Free Cash Flow Low	-40.18	6.11	3.24	6.14	2.21
EV/Sales Average	- -	2.24	1.15	0.77	0.38
EV/Sales High	- -	3.14	2.03	1.27	0.94
EV/Sales Low	- -	2.13	0.69	0.42	0.04
EV/EBITDA Average	-76.37	46.36	5.87	18.92	-3.02
EV/EBITDA High	-78.67	64.77	10.38	30.99	-7.6
EV/EBITDA Low	-73.01	44.06	3.55	10.27	-0.3
EV/EBIT Average	-76.37	-14.83	18.96	-7.22	-1.09
EV/EBIT High	-78.67	-20.72	33.53	-11.83	-2.74
EV/EBIT Low	-73.01	-14.1	11.47	-3.92	-0.11
Last Price	10.26	14.04	9.21	5.21	2.05
High Price	10.35	15.51	18.35	10.65	5.74
Enterprise Value Average	61	149	109	65	21
Enterprise Value High	63	208	192	106	52
Enterprise Value Low	58	142	66	35	2

Profitability (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-10.07	23.84	-1.06	-27.58
Return on Capital (%)	- -	- -	-85.78	- -	- -
Return on Invested Capital (%)	- -	- -	9.9	- -	- -
Gross Margin (%)	- -	53.88	67.11	64.03	48.08
EBITDA Margin (%)	- -	4.84	19.54	4.09	-12.43
Operating Margin (%)	- -	-15.14	6.05	-10.73	-34.47
Incremental Operating Margin (%)	- -	- -	55.85	- -	- -
Pretax Margin (%)	- -	-18.35	24.07	-1.42	-31.34
Profit Margin (%)	- -	-18.38	18	-0.93	-31.37
Net Income to Common Margin (%)	- -	-18.38	18	-0.93	-31.37
Effective Tax Rate (%)	15.57	- -	25.23	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Total Debt	- -	22	- -	- -	- -
ST Debt	- -	22	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	6.88	0.02	- -	- -
Net Debt/EBITDA	0.6	5.6	-1.39	-6.17	2.08
Total Debt/EBIT	- -	-2.2	0.07	- -	- -
Net Debt/EBIT	0.6	-1.79	-4.49	2.35	0.75
EBITDA to Interest Expense	- -	2.31	192.8	- -	- -
EBITDA-CapEx/Interest Expense	- -	-0.58	185.17	- -	- -
EBIT to Interest Expense	- -	-7.21	59.7	- -	- -
Interest Expense	- -	1	- -	- -	- -
Common Equity/Total Assets	91.37	-59.67	-29.74	-33.06	-74.7
Long-Term Debt/Equity (%)	- -	1.77	- -	- -	- -
Long-Term Debt/Capital (%)	- -	-2.44	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.65	- -	- -	- -
Total Debt/Equity (%)	- -	91.19	1.1	- -	- -
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt/Total Assets (%)	- -	33.22	0.54	- -	- -
Net Debt to Equity	-0.3	74.21	-67.68	-43.2	-46.13
Net Debt/Capital (%)	-0.3	-87.41	53.56	47.34	25.93
EBITDA	-1	3	19	3	-7
EBITDA-CapEx	-1	-1	18	-2	-13
Operating Income (Loss)	-1	-10	6	-9	-19

Liquidity (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Cash Ratio	0.63	0.08	1.05	1.09	0.62
Current Ratio	0.68	0.39	1.51	1.99	1.25
Quick Ratio	0.63	0.33	1.42	1.52	1.02
CFO/Avg Current Liab	- -	0.79	0.86	0.16	0.07
Common Equity/Total Assets	91.37	-59.67	-29.74	-33.06	-74.7
Long-Term Debt/Equity (%)	- -	1.77	- -	- -	- -
Long-Term Debt/Capital (%)	- -	-2.44	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.65	- -	- -	- -
Total Debt/Equity (%)	- -	91.19	1.1	- -	- -
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt/Total Assets (%)	- -	33.22	0.54	- -	- -
CFO/Total Liabilities	-9.65	37.88	71.8	15.69	6.45
CFO/CapEx	- -	3.99	37.58	0.61	0.26
Altman's Z-Score	2.51	-0.68	4.27	2.81	-1.39

Working Capital (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Accounts Receivable Turnover	- -	13.24	9.85	9.58	6.36
Days Sales Outstanding	- -	27.56	37.05	38.1	57.43
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	8.03	4.31	3.06	2.47
Accounts Payable Turnover Days	- -	45.46	84.76	119.14	147.99
Cash Conversion Cycle	- -	-17.9	-47.71	-81.04	-90.55
Inventory to Cash Days	- -	27.56	37.05	38.1	57.43
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Market Capitalization	63	171	109	62	24
- Cash & Cash Equivalents	- -	3	26	21	14
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	22	- -	- -	- -
Enterprise Value	62	190	84	41	9
Total Capital	161	-18	-22	-23	-41
Total Debt/Capital (%)	- -	-125.62	-1.87	- -	- -
Total Debt / EV	- -	0.12	- -	- -	- -
EV/Sales	- -	2.87	0.89	0.49	0.17
EV/EBITDA	- -	59.2	4.53	12.01	- -
EV/EBIT	- -	- -	14.63	- -	- -
EV/Cash Flow to Firm	- -	10.92	3.04	11.81	6.18
EV/Free Cash Flow to Firm	- -	8.88	2.96	4.49	1.28
Diluted Market Cap	63	171	110	62	24
Diluted Enterprise Value	62	190	85	41	9
EV per Share	10.18	15.61	7.08	3.44	0.82
TTM Sales	- -	66	95	84	55
TTM EBITDA	-1	3	19	3	-7
TTM Operating Income	-1	-10	6	-9	-19
TTM Cash Flow to Firm	-1	17	28	3	2
TTM Free Cash Flow to Firm	-1	21	28	9	7

Multiples (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Price/Free Cash Flow	-42.9	8.54	3.89	6.8	3.21
EV/EBIT	- -	- -	14.63	- -	- -
Enterprise Value	62	190	84	41	9
Low Price	9.61	10.05	7.68	4.71	1.41
EV/Sales	- -	2.87	0.89	0.49	0.17
EV/EBITDA	- -	59.2	4.53	12.01	- -
Price/Earnings	14.7	- -	6.4	- -	- -
Price/Earnings Average	14.4	-10.64	7.86	-110.22	-2.02
Price/Earnings High	14.83	-15.49	12.76	-163.26	-3.84
Price/Earnings Low	13.77	-10.04	5.34	-72.2	-0.94
Price/Book Value	0.39	-4.31	-4.81	-2.65	-0.58
Price/Book Value Average	0.38	-3.27	-5.9	-3.66	-0.86
Price/Book Value High	0.39	-4.76	-9.58	-5.42	-1.63
Price/Book Value Low	0.37	-3.08	-4.01	-2.4	-0.4
Price/Tangible Book Value	0.39	-6.66	-176.04	3.69	4.37
Price/Tangible Book Value Average	0.38	-5.05	-216.07	5.1	6.45
Price/Tangible Book Value High	0.39	-7.36	-350.75	7.55	12.24
Price/Tangible Book Value Low	0.37	-4.77	-146.8	3.34	3
Price/Sales	- -	2.58	1.15	0.74	0.43
Price/Sales Average	- -	1.96	1.41	1.03	0.63
Price/Sales High	- -	2.85	2.3	1.52	1.2
Price/Sales Low	- -	1.85	0.96	0.67	0.3
Price/Cash Flow	-42.9	10.68	3.96	17.88	15.54
Price/Cash Flow Average	-42.02	8.1	4.86	24.67	22.93
Price/Cash Flow High	-43.28	11.8	7.9	36.55	43.54
Price/Cash Flow Low	-40.18	7.65	3.3	16.16	10.69
Price/Free Cash Flow Average	-42.02	6.48	4.77	9.38	4.73
Price/Free Cash Flow High	-43.28	9.43	7.75	13.89	8.99
Price/Free Cash Flow Low	-40.18	6.11	3.24	6.14	2.21
EV/Sales Average	- -	2.24	1.15	0.77	0.38
EV/Sales High	- -	3.14	2.03	1.27	0.94
EV/Sales Low	- -	2.13	0.69	0.42	0.04
EV/EBITDA Average	-76.37	46.36	5.87	18.92	-3.02
EV/EBITDA High	-78.67	64.77	10.38	30.99	-7.6
EV/EBITDA Low	-73.01	44.06	3.55	10.27	-0.3
EV/EBIT Average	-76.37	-14.83	18.96	-7.22	-1.09
EV/EBIT High	-78.67	-20.72	33.53	-11.83	-2.74
EV/EBIT Low	-73.01	-14.1	11.47	-3.92	-0.11
Last Price	10.26	14.04	9.21	5.21	2.05
High Price	10.35	15.51	18.35	10.65	5.74
Enterprise Value Average	61	149	109	65	21
Enterprise Value High	63	208	192	106	52
Enterprise Value Low	58	142	66	35	2

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Shares Outstanding	12	12	12	12	12
Diluted Weighted Avg Shares	6	12	12	12	12
Basic Weighted Avg Shares	6	12	12	12	12
Revenue per Share	- -	5.45	7.99	7	4.77
EBITDA per Share	-0.13	0.26	1.56	0.29	-0.59
Operating Income per Share	-0.13	-0.82	0.48	-0.75	-1.65
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 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
Dividend per Share	- -	- -	- -	- -	- -
Cash Flow per Share	-0.24	1.31	2.32	0.29	0.13
Free Cash Flow per Basic Share	-0.24	0.99	2.26	-0.18	-0.38
Cash & Equivalents per Share	0.08	0.24	2.17	1.77	1.23
Book Value per Share	26.25	-3.26	-1.92	-1.97	-3.53
Tangible Book Value per Share	26.25	-2.11	-0.05	1.41	0.47

BM Technologies, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)