XASEBMTX
Market cap58mUSD
Dec 24, Last price
4.83USD
1D
-0.21%
1Q
45.48%
IPO
-49.16%
Name
Bm Technologies Inc
Chart & Performance
P/E
—
P/S
1.06
EPS
—
Div Yield, %
0.00%
Shrs. gr., 5y
-11.12%
Rev. gr., 5y
-0.80%
Revenues
55m
-33.91%
Net income
-17m
L+2,124.78%
CFO
2m
-56.12%
Earnings
Apr 01, 2025
Profile
BM Technologies, Inc. operates as a financial technology (fintech) company in the United States. It facilitates deposits and banking services between a customer and its partner bank, customers bank, which is a related party and is a Federal Deposit Insurance Corporation insured bank. The company, through its fintech banking platform, offers digital banking and disbursement services to consumers and students through digital channels. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. was founded in 2014 and is headquartered in Wayne, Pennsylvania.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | |
| Income | |||||||
Revenues | 55,252 -33.91% | 83,597 -11.99% | 94,987 42.07% | ||||
Cost of revenue | 62,946 | 93,951 | 93,113 | ||||
Unusual Expense (Income) | |||||||
NOPBT | (7,694) | (10,354) | 1,874 | ||||
NOPBT Margin | 1.97% | ||||||
Operating Taxes | 16 | (411) | 5,752 | ||||
Tax Rate | 306.94% | ||||||
NOPAT | (7,710) | (9,943) | (3,878) | ||||
Net income | (17,331) 2,124.78% | (779) -104.57% | 17,043 -244.52% | ||||
Dividends | |||||||
Dividend yield | |||||||
Proceeds from repurchase of equity | (1,976) | 17 | |||||
BB yield | 3.18% | -0.02% | |||||
| Debt | |||||||
Debt current | (12,684) | 416 | |||||
Long-term debt | 471 | ||||||
Deferred revenue | 127 | 190 | |||||
Other long-term liabilities | 642 | 2,847 | 13,614 | ||||
Net debt | (14,288) | (33,792) | (24,817) | ||||
| Cash flow | |||||||
Cash from operating activities | 1,527 | 3,480 | 27,543 | ||||
CAPEX | (292) | (5,675) | (733) | ||||
Cash from investing activities | (5,873) | (5,675) | (733) | ||||
Cash from financing activities | (2,474) | (2,401) | (4,095) | ||||
FCF | (7,737) | (10,105) | (3,815) | ||||
| Balance | |||||||
Cash | 14,288 | 21,108 | 25,704 | ||||
Long term investments | |||||||
Excess cash | 11,525 | 16,928 | 20,955 | ||||
Stockholders' equity | (40,815) | (23,484) | (22,705) | ||||
Invested Capital | 72,556 | 62,505 | 73,154 | ||||
ROIC | |||||||
ROCE | 3.72% | ||||||
| EV | |||||||
Common stock shares outstanding | 11,574 | 11,942 | 11,939 | ||||
Price | 2.05 -60.65% | 5.21 -43.43% | 9.21 -34.40% | ||||
Market cap | 23,727 -61.87% | 62,218 -43.42% | 109,958 -39.23% | ||||
EV | 9,439 | 28,426 | 85,141 | ||||
EBITDA | 4,482 | 2,035 | 14,652 | ||||
EV/EBITDA | 2.11 | 13.97 | 5.81 | ||||
Interest | 20,165 | 96 | |||||
Interest/NOPBT | 5.12% | ||||||