BM Technologies Inc provides 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. 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 (FDIC) insured bank. The company has four primary revenue sources: interchange and card revenue, servicing fees, account fees, and university fees. The majority of revenues are driven by customer activity (deposits, spending, transactions, etc.) and may be paid or passed through by customer banks, universities, or paid directly by customers.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	No Debt
Equity-to-Asset	0.57
Interest Coverage	No Debt
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.45	Distress Grey Safe
Beneish M-Score	-3.92	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-23.9
	3-Year EPS without NRI Growth Rate	4.7
	3-Year Book Growth Rate	9.1

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	44.37
	9-Day RSI	44.45
	14-Day RSI	43.35
	6-1 Month Momentum %	-34.7
	12-1 Month Momentum %	-46.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.25
	Quick Ratio	1.25
	Cash Ratio	0.62
	Days Sales Outstanding	60.68
	Days Payable	149.63

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.6

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	48.65
	Operating Margin %	-34.47
	Net Margin %	-31.37
	FCF Margin %	-7.87
	ROE %	-44.66
	ROA %	-28.79
	ROIC %	-52.42
	ROC (Joel Greenblatt) %	-2224.65
	ROCE %	-47.32
	Years of Profitability over Past 10-Year	2

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	0.31
	PB Ratio	0.59
	Price-to-Tangible-Book	3.4
	Price-to-Operating-Cash-Flow	11.59
	EV-to-EBIT	0.66
	EV-to-EBITDA	1.82
	EV-to-Revenue	-0.23
	EV-to-FCF	2.88
	Price-to-Net-Current-Asset-Value	3.73
	Earnings Yield (Greenblatt) %	151.52
	FCF Yield %	-23.55

GF Value: $4.02

BMTX

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