BM Technologies Valuation

Is BMTX undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of BMTX when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate BMTX's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate BMTX's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BMTX?

Key metric: As BMTX is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for BMTX. This is calculated by dividing BMTX's market cap by their current revenue.
What is BMTX's PS Ratio?
PS Ratio	1x
Sales	US$57.66m
Market Cap	US$57.71m

BMTX key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	0.8x
Enterprise Value/EBITDA	-4.7x
PEG Ratio	n/a

Price to Sales Ratio vs Peers

How does BMTX's PS Ratio compare to its peers?

The above table shows the PS ratio for BMTX vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PS	Estimated Growth	Market Cap
Peer Average	9.3x
XBP XBP Europe Holdings	0.2x	n/a	US$38.0m
FAAS DigiAsia	0.5x	n/a	US$31.0m
USIO Usio	0.5x	12.3%	US$39.9m
APCX AppTech Payments	36x	n/a	US$13.1m
BMTX BM Technologies	1x	2.1%	US$57.7m

Price-To-Sales vs Peers: BMTX is good value based on its Price-To-Sales Ratio (1x) compared to the peer average (9.3x).

Price to Sales Ratio vs Industry

How does BMTX's PS Ratio compare vs other companies in the US Diversified Financial Industry?

16 Companies	Price / Sales	Estimated Growth	Market Cap
RKT Rocket Companies	0.5x	23.3%	US$27.41b
FMCC Federal Home Loan Mortgage	0.4x	-2.9%	US$9.99b
UWMC UWM Holdings	0.4x	9.5%	US$9.83b
LDI loanDepot	0.5x	18.5%	US$765.18m

16 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Sales vs Industry: BMTX is good value based on its Price-To-Sales Ratio (1x) compared to the US Diversified Financial industry average (2.8x).

Price to Sales Ratio vs Fair Ratio

What is BMTX's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BMTX PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio	1x
Fair PS Ratio	0.9x

Price-To-Sales vs Fair Ratio: BMTX is expensive based on its Price-To-Sales Ratio (1x) compared to the estimated Fair Price-To-Sales Ratio (0.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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