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BM Technologies, Inc. BMTX NYSE

NYSE • Technology • Software - Application • US • USD

SharesGrow Score
47/100
3/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$9.20
+84%

BM Technologies, Inc. (BMTX) is a Software - Application company in the Technology sector, currently trading at $5.00. It has a SharesGrow Score of 47/100, indicating a mixed investment profile with 3 out of 7 criteria passed.

Analyst consensus target is BMTX = $9 (+84% upside).

Financials: revenue is $55M, -1.3%/yr average growth. Net income is $17M (loss), growing at -661.6%/yr. Net profit margin is -31.4% (negative). Gross margin is 48.1% (-9.7 pp trend).

Balance sheet: total debt is $0 against $31M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 1.25 (adequate). Debt-to-assets is 0%. Total assets: $55M.

Analyst outlook: 2 / 3 analysts rate BMTX as buy (67%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 15/100 (Fail), Past 25/100 (Fail), Health 75/100 (Pass), Moat 28/100 (Fail), Future 73/100 (Pass), Income 10/100 (Fail).

$9.20
▲ 84% Upside
Average Price Target
Based on 3 Wall Street analysts offering 12-month price targets for BM Technologies, Inc., the average price target is $9.20, with a high forecast of $13.00, and a low forecast of $5.40.
Highest Price Target
$13.00
Average Price Target
$9.20
Lowest Price Target
$5.40

BMTX SharesGrow Score Overview

47/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 100/100
Valuation — P/E, PEG, Forward PEG
GROWTH 15/100
Financials — average growth
PAST 25/100
strong — trend
HEALTH 75/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 28/100
Gross margin is + market cap
FUTURE 73/100
Analyst outlook — as buy
INCOME 10/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — BMTX

✓
VALUE Pass
100/100
BMTX trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $9, implying +80% from the current price $5. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
✗
GROWTH Fail
15/100
BMTX: -1.3%/yr revenue is, -661.6%/yr Net income is average growth. weak. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✗
PAST Fail
25/100
BMTX: 1 / 4 years profitable. weak. Score = 1 / 4 × 100. ≥ 80 = Pass.
View details →
✓
HEALTH Pass
75/100
Balance sheet BMTX: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is 1.25 (adequate). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
✗
MOAT Fail
28/100
BMTX: Gross margin is 48.1% (-9.7 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 28/100. ≥ 70 = Pass.
View details →
✓
FUTURE Pass
73/100
Analyst outlook: 2 / 3 analysts rate BMTX as buy (67%). Analyst consensus target is $9 (+80% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✗
INCOME Fail
10/100
BMTX: Net profit margin is -31.4%. negative. Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range1.45-5.16
Volume128.53K
Avg Volume (30D)249.96K
Market Cap$60.44M
Beta (1Y)0.18
Share Statistics
EPS (TTM)-1.50
Shares Outstanding$11.57M
IPO Date2018-09-21
Employees200
CEOLuvleen Sidhu
Financial Highlights & Ratios
Revenue (TTM)$55.25M
Gross Profit$26.57M
EBITDA$-6.87M
Net Income$-17.33M
Operating Income$-19.04M
Total Cash$14.29M
Net Debt$-14.29M
Total Assets$54.64M
Price / Earnings (P/E)-3.3
Price / Sales (P/S)1.09
Analyst Forecast
1Y Price Target$9.20
Target High$13.00
Target Low$5.40
Upside+84.0%
Rating ConsensusBuy
Analysts Covering3
Buy 67% Hold 33% Sell 0%
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS05591L1070

Price Chart

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BMTX
BM Technologies, Inc. ↗  ·  NYSE
Technology • Software - Application
1.45 52WK RANGE 5.16

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