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BM Technologies ROE %

: -95.33% (As of Dec. 2021)
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ROE % is calculated as Net Income attributable to Common Stockholders (Net Income minus dividends to participating security holders) divided by its average Total Stockholders Equity over a certain period of time. BM Technologies's annualized net income attributable to common stockholders for the quarter that ended in Dec. 2021 was $-35.22 Mil. BM Technologies's average Total Stockholders Equity over the quarter that ended in Dec. 2021 was $36.94 Mil. Therefore, BM Technologies's annualized ROE % for the quarter that ended in Dec. 2021 was -95.33%.

The historical rank and industry rank for BM Technologies's ROE % or its related term are showing as below:

BMTX' s ROE % Range Over the Past 10 Years
Min: -13.2   Med: 2.66   Max: 54.76
Current: 55.3

During the past 3 years, BM Technologies's highest ROE % was 54.76%. The lowest was -13.20%. And the median was 2.66%.

BMTX's ROE % is ranked better than
98.05% of 2563 companies
in the Software industry
Industry Median: 3.10 vs BMTX: 55.30

BM Technologies ROE % Historical Data

The historical data trend for BM Technologies's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

BM Technologies Annual Data
Trend Dec19 Dec20 Dec21
ROE %
2.66 -13.20 54.76

BM Technologies Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21
ROE % Premium Member Only Premium Member Only Premium Member Only Premium Member Only -62.81 284.27 -26.26 111.76 -95.33

Competitive Comparison

For the Software - Application subindustry, BM Technologies's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

   

BM Technologies ROE % Distribution

For the Software industry and Technology sector, BM Technologies's ROE % distribution charts can be found below:

* The bar in red indicates where BM Technologies's ROE % falls into.



BM Technologies ROE % Calculation

BM Technologies's annualized ROE % for the fiscal year that ended in Dec. 2021 is calculated as

ROE %=Net Income attributable to Common Stockholders (A: Dec. 2021 )/( (Total Stockholders Equity (A: Dec. 2020 )+Total Stockholders Equity (A: Dec. 2021 ))/ count )
=17.043/( (24.269+37.981)/ 2 )
=17.043/31.125
=54.76 %

BM Technologies's annualized ROE % for the quarter that ended in Dec. 2021 is calculated as

ROE %=Net Income attributable to Common Stockholders (Q: Dec. 2021 )/( (Total Stockholders Equity (Q: Sep. 2021 )+Total Stockholders Equity (Q: Dec. 2021 ))/ count )
=-35.216/( (35.899+37.981)/ 2 )
=-35.216/36.94
=-95.33 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income attributable to common stockholders of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income attributable to common stockholders data used here is four times the quarterly (Dec. 2021) net income attributable to common stockholders data. ROE % is displayed in the 30-year financial page.


BM Technologies  (AMEX:BMTX) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %**(Q: Dec. 2021 )
=Net Income/Total Stockholders Equity
=-35.216/36.94
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(-35.216 / 102.948)*(102.948 / 73.152)*(73.152 / 36.94)
=Net Margin %*Asset Turnover*Equity Multiplier
=-34.21 %*1.4073*1.9803
=ROA %*Equity Multiplier
=-48.14 %*1.9803
=-95.33 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %**(Q: Dec. 2021 )
=Net Income/Total Stockholders Equity
=-35.216/36.94
=(Net Income /Pre-Tax Income) * (Pre-Tax Income/Operating Income) * (Operating Income/Revenue) * (Revenue/Total Assets) * (Total Assets/Total Stockholders Equity)
= (-35.216 / -28.296) * (-28.296 / -24.98) * (-24.98 / 102.948) * (102.948 / 73.152) * (73.152 / 36.94)
= Tax Burden * Interest Burden * Operating Margin % * Asset Turnover * Equity Multiplier
= 1.2446 * 1.1327 * -24.26 % * 1.4073 * 1.9803
=-95.33 %

Note: The net income attributable to common stockholders data used here is four times the quarterly (Dec. 2021) net income attributable to common stockholders data. The Revenue data used here is four times the quarterly (Dec. 2021) revenue data. The same rule applies to Pre-Tax Income and Operating Income.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.


Be Aware

Net income attributable to common stockholders is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


BM Technologies ROE % Related Terms

Thank you for viewing the detailed overview of BM Technologies's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


BM Technologies Business Description

BM Technologies logo
Traded in Other Exchanges
Address
535 5th Ave, 29th Floor, New York, NY, USA, 10017
BM Technologies Inc is a digital banking platform in the United States. It provides a suite of low-cost products, including checking & savings accounts, to consumers through its business-to-business-to-customer distribution model by connecting consumers to an FDIC-insured banking institution.
Executives
Dolan John J director 4655 SALISBURY ROAD SUITE 110 JACKSONVILLE FL 32256
Dullinger James Francis officer: Chief Accounting Officer C/O IOTA COMMUNICATIONS, INC. 645 HAMILTON STREET, SUITE 400 ALLENTOWN PA 18101
Schechter Private Capital, Llc 10 percent owner 251 PIERCE STREET BIRMINGHAM MI 48009
Dinodia Pankaj director 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Ramsey Robert H officer: Chief Financial Officer 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Schwab Marcy director 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Hurley Brent director 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Diegel Robert officer: Chief Operating Officer 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Gill Mike director 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Hodari Aaron director 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Sidhu Luvleen director, officer: Chief Executive Officer 201 KING OF PRUSSIA ROAD SUITE 350 WAYNE PA 19087
Millennium Management Llc other: May be deemed a group member. 399 PARK AVENUE NEW YORK NY 10022
Millennium Group Management Llc other: May be deemed a group member. C/O MILLENNIUM MANAGEMENT LLC 399 PARK AVENUE NEW YORK NY 10022
Integrated Core Strategies (us) Llc 10 percent owner C/O MILLENNIUM MANAGEMENT LLC 399 PARK AVENUE NEW YORK NY 10022
Englander Israel A other: May be deemed a group member. C/O MILLENNIUM MANAGEMENT LLC 399 PARK AVENUE NEW YORK NY 10022

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