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Company Analysis

BM Technologies, Inc. BMTX

A comprehensive view of key metrics, scores, and financial health for BM Technologies, Inc.

Overview of BM Technologies, Inc.

BMTX
Technology Software - Application
BM Technologies, Inc. (BMTX), in the Software - Application industry.
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-
Previous close
Enterprise Value
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Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Completeness: 6%
Confidence: 2%
Updated: Mar 8
Top Beats

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data
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  • Shares outstanding missing or non-positive

Engine Room Money Flow™

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$55.3M
-33.9%%
Gross Profit
$26.6M
-50.4%%
Operating Income
$-19.0M
-112.4%%
Net Income
$-17.3M
-2124.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Operating Cash Flow Margin
2.8%
Poor

OCF / Revenue - cash profitability from operations

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating BM Technologies, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 53% Coverage
Trade-Off Triangle Visualization A ternary plot showing BMTX's balance between Growth (14.9%), Profitability (39.0%), and Safety (46.1%). Growth 15% Safety 46% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

10th percentile vs peers
11
Key Signals
Revenue CAGR 3Y -6.2% 15p Rev Growth YoY -33.9% 6p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 10)
  • Rev Growth YoY in bottom 20% of peers (-33.9%)

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

- vs peers
-
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for BM Technologies, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Base
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Bull
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Fair Value Range Current: $-
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