Bm Technologies Inc
AMEX:BMTX
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Intrinsic Value
The intrinsic value of one BMTX stock under the Base Case scenario is 6.13 USD. Compared to the current market price of 3.26 USD, Bm Technologies Inc is Undervalued by 47%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Bm Technologies Inc
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Fundamental Analysis
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Revenue & Expenses Breakdown
Bm Technologies Inc
Balance Sheet Decomposition
Bm Technologies Inc
Current Assets | 22.1m |
Cash & Short-Term Investments | 12.5m |
Receivables | 6.3m |
Other Current Assets | 3.4m |
Non-Current Assets | 25.9m |
PP&E | 448k |
Intangibles | 25.5m |
Current Liabilities | 21.7m |
Accounts Payable | 10.4m |
Other Current Liabilities | 11.3m |
Non-Current Liabilities | 219k |
Other Non-Current Liabilities | 219k |
Earnings Waterfall
Bm Technologies Inc
Revenue
|
57.5m
USD
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Operating Expenses
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-67.8m
USD
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Operating Income
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-10.3m
USD
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Other Expenses
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-1.7m
USD
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Net Income
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-12m
USD
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Free Cash Flow Analysis
Bm Technologies Inc
USD | |
Free Cash Flow | USD |
BM Technologies reported Q2 2024 revenue of $12.5 million, consistent with last year. Interchange and card revenue grew by 57%, thanks to a new bank partner. Net loss decreased slightly to $881,000 from $906,000. Core operating expenses were stable at $13.4 million. The introduction of a new cashback program has driven significant engagement among students. Average deposits in the higher education sector remained stable at $425 million. Despite these positive moves, the BaaS business remains unprofitable under current conditions and might be wound down. Future growth initiatives focus on launching new fintech products and leveraging AI for enhanced services.
What is Earnings Call?
BMTX Profitability Score
Profitability Due Diligence
Bm Technologies Inc's profitability score is 23/100. The higher the profitability score, the more profitable the company is.
Score
Bm Technologies Inc's profitability score is 23/100. The higher the profitability score, the more profitable the company is.
BMTX Solvency Score
Solvency Due Diligence
Bm Technologies Inc's solvency score is 50/100. The higher the solvency score, the more solvent the company is.
Score
Bm Technologies Inc's solvency score is 50/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
BMTX Price Targets Summary
Bm Technologies Inc
According to Wall Street analysts, the average 1-year price target for BMTX is 5.3 USD with a low forecast of 5.05 USD and a high forecast of 5.67 USD.
Dividends
Current shareholder yield for BMTX is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
BMTX Insider Trading
Buy and sell transactions by insiders
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Profile
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Dividend Yield
Description
BM Technologies, Inc. is a technology company that provides banking services through its partner banks. The company is headquartered in Wayne, Pennsylvania and currently employs 275 full-time employees. The company went IPO on 2018-08-28. The firm facilitates deposits and banking services between a customer and its partner bank, Customers Bank. The firm provides high-tech digital banking and disbursement services to consumers and students nationwide through a full service fintech banking platform, accessible to customers anywhere and anytime through digital channels. Its banking platform provides access to checking and savings accounts, personal loans, and financial wellness. Its fintech business model leverages Banking-as-a-Service (BaaS) partners’ and University partners’ existing customer bases to achieve high volume, low-cost customer acquisition in its Higher Education Disbursement, BaaS, and niche Direct to Consumer (D2C) banking businesses.
Contact
IPO
Employees
Officers
The intrinsic value of one BMTX stock under the Base Case scenario is 6.13 USD.
Compared to the current market price of 3.26 USD, Bm Technologies Inc is Undervalued by 47%.