Bottomline Technologies, Inc. Logo

Bottomline Technologies, Inc.

EPAY

(1.0)
Stock Price

56,99 USD

-4.01% ROA

-3.84% ROE

-149.73x PER

Market Cap.

0,00 USD

35.65% DER

0% Yield

-3.46% NPM

Bottomline Technologies, Inc. Stock Analysis

Bottomline Technologies, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bottomline Technologies, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (36%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROE

The stock's ROE indicates a negative return (-3.84%) on shareholders' equity, suggesting poor financial performance.

4 ROA

The stock's ROA (-4.01%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

5 PBV

The stock's elevated P/BV ratio (5.35x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

6 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

7 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

9 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-1.494) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Bottomline Technologies, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bottomline Technologies, Inc. Technical Stock Analysis
# Analysis Recommendation

Bottomline Technologies, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bottomline Technologies, Inc. Revenue
Year Revenue Growth
1998 29.000.000
1999 39.300.000 26.21%
2000 49.134.000 20.01%
2001 77.068.000 36.25%
2002 73.986.000 -4.17%
2003 71.265.000 -3.82%
2004 82.132.000 13.23%
2005 96.505.000 14.89%
2006 101.665.000 5.08%
2007 118.335.000 14.09%
2008 131.241.000 9.83%
2009 138.014.000 4.91%
2010 157.990.000 12.64%
2011 189.381.000 16.58%
2012 224.284.000 15.56%
2013 254.774.000 11.97%
2014 300.585.000 15.24%
2015 330.889.000 9.16%
2016 343.274.000 3.61%
2017 349.412.000 1.76%
2018 394.096.000 11.34%
2019 421.962.000 6.6%
2020 442.221.000 4.58%
2021 471.403.000 6.19%
2022 527.344.000 10.61%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bottomline Technologies, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 3.200.000
1999 4.000.000 20%
2000 8.580.000 53.38%
2001 13.437.000 36.15%
2002 14.206.000 5.41%
2003 12.124.000 -17.17%
2004 11.054.000 -9.68%
2005 9.433.000 -17.18%
2006 12.417.000 24.03%
2007 16.069.000 22.73%
2008 17.376.000 7.52%
2009 20.096.000 13.54%
2010 18.858.000 -6.56%
2011 21.862.000 13.74%
2012 28.687.000 23.79%
2013 32.974.000 13%
2014 39.725.000 16.99%
2015 47.185.000 15.81%
2016 47.355.000 0.36%
2017 53.002.000 10.65%
2018 57.310.000 7.52%
2019 67.364.000 14.92%
2020 73.019.000 7.74%
2021 78.090.000 6.49%
2022 92.380.000 15.47%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bottomline Technologies, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 12.000.000
1999 15.800.000 24.05%
2000 34.292.000 53.93%
2001 37.716.000 9.08%
2002 30.520.000 -23.58%
2003 28.243.000 -8.06%
2004 32.892.000 14.13%
2005 37.123.000 11.4%
2006 43.401.000 14.47%
2007 50.974.000 14.86%
2008 50.936.000 -0.07%
2009 20.915.000 -143.54%
2010 16.383.000 -27.66%
2011 19.502.000 15.99%
2012 21.495.000 9.27%
2013 27.076.000 20.61%
2014 33.721.000 19.71%
2015 34.492.000 2.24%
2016 39.324.000 12.29%
2017 46.527.000 15.48%
2018 49.837.000 6.64%
2019 52.199.000 4.52%
2020 56.749.000 8.02%
2021 63.353.000 10.42%
2022 79.700.000 20.51%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bottomline Technologies, Inc. EBITDA
Year EBITDA Growth
1998 3.600.000
1999 7.700.000 53.25%
2000 -11.801.000 165.25%
2001 -5.200.000 -126.94%
2002 -2.060.000 -152.43%
2003 -16.441.000 87.47%
2004 4.281.000 484.05%
2005 11.907.000 64.05%
2006 5.984.000 -98.98%
2007 4.593.000 -30.29%
2008 10.113.000 54.58%
2009 8.108.000 -24.73%
2010 24.361.000 66.72%
2011 28.307.000 13.94%
2012 28.801.000 1.72%
2013 15.667.000 -83.83%
2014 31.692.000 50.56%
2015 39.339.000 19.44%
2016 39.143.000 -0.5%
2017 22.559.000 -73.51%
2018 54.365.000 58.5%
2019 54.924.000 1.02%
2020 44.057.000 -24.67%
2021 48.496.000 9.15%
2022 34.780.000 -39.44%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bottomline Technologies, Inc. Gross Profit
Year Gross Profit Growth
1998 18.800.000
1999 26.600.000 29.32%
2000 33.141.000 19.74%
2001 43.103.000 23.11%
2002 39.568.000 -8.93%
2003 35.356.000 -11.91%
2004 45.686.000 22.61%
2005 55.574.000 17.79%
2006 55.883.000 0.55%
2007 65.276.000 14.39%
2008 71.832.000 9.13%
2009 77.173.000 6.92%
2010 89.069.000 13.36%
2011 103.239.000 13.73%
2012 122.399.000 15.65%
2013 135.488.000 9.66%
2014 169.917.000 20.26%
2015 191.448.000 11.25%
2016 196.174.000 2.41%
2017 187.586.000 -4.58%
2018 220.966.000 15.11%
2019 239.243.000 7.64%
2020 253.135.000 5.49%
2021 274.951.000 7.93%
2022 304.704.000 9.76%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bottomline Technologies, Inc. Net Profit
Year Net Profit Growth
1998 1.600.000
1999 4.100.000 60.98%
2000 -14.265.000 128.74%
2001 -39.999.000 64.34%
2002 -38.789.000 -3.12%
2003 -14.090.000 -175.29%
2004 -2.418.000 -482.71%
2005 5.888.000 141.07%
2006 -1.834.000 421.05%
2007 -7.030.000 73.91%
2008 -5.261.000 -33.62%
2009 -12.288.000 57.19%
2010 3.954.000 410.77%
2011 35.893.000 88.98%
2012 1.705.000 -2005.16%
2013 -14.395.000 111.84%
2014 -19.104.000 24.65%
2015 -34.680.000 44.91%
2016 -19.648.000 -76.51%
2017 -33.137.000 40.71%
2018 9.328.000 455.24%
2019 9.432.000 1.1%
2020 -9.229.000 202.2%
2021 -16.288.000 43.34%
2022 -30.096.000 45.88%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bottomline Technologies, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 1 0%
2000 -1 100%
2001 -3 66.67%
2002 -3 -50%
2003 -1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 -1 0%
2010 0 0%
2011 1 100%
2012 0 0%
2013 0 0%
2014 -1 0%
2015 -1 0%
2016 -1 0%
2017 -1 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 -1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bottomline Technologies, Inc. Free Cashflow
Year Free Cashflow Growth
1998 1.600.000
1999 2.300.000 30.43%
2000 -780.000 394.87%
2001 -3.621.000 78.46%
2002 884.000 509.62%
2003 -1.269.000 169.66%
2004 31.000 4193.55%
2005 11.048.000 99.72%
2006 9.243.000 -19.53%
2007 8.368.000 -10.46%
2008 11.210.000 25.35%
2009 21.411.000 47.64%
2010 22.146.000 3.32%
2011 25.809.000 14.19%
2012 26.287.000 1.82%
2013 31.470.000 16.47%
2014 39.569.000 20.47%
2015 39.403.000 -0.42%
2016 39.440.000 0.09%
2017 32.802.000 -20.24%
2018 54.652.000 39.98%
2019 24.494.000 -123.12%
2020 50.521.000 51.52%
2021 44.257.000 -14.15%
2022 25.663.000 -72.45%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bottomline Technologies, Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 2.600.000
1999 3.700.000 29.73%
2000 3.368.000 -9.86%
2001 -1.504.000 323.94%
2002 4.591.000 132.76%
2003 571.000 -704.03%
2004 1.783.000 67.98%
2005 13.217.000 86.51%
2006 11.855.000 -11.49%
2007 11.961.000 0.89%
2008 16.181.000 26.08%
2009 24.544.000 34.07%
2010 26.514.000 7.43%
2011 30.501.000 13.07%
2012 35.415.000 13.88%
2013 41.576.000 14.82%
2014 52.221.000 20.38%
2015 62.700.000 16.71%
2016 67.157.000 6.64%
2017 60.975.000 -10.14%
2018 76.028.000 19.8%
2019 78.277.000 2.87%
2020 97.171.000 19.44%
2021 76.116.000 -27.66%
2022 34.820.000 -118.6%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bottomline Technologies, Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 1.000.000
1999 1.400.000 28.57%
2000 4.148.000 66.25%
2001 2.117.000 -95.94%
2002 3.707.000 42.89%
2003 1.840.000 -101.47%
2004 1.752.000 -5.02%
2005 2.169.000 19.23%
2006 2.612.000 16.96%
2007 3.593.000 27.3%
2008 4.971.000 27.72%
2009 3.133.000 -58.67%
2010 4.368.000 28.27%
2011 4.692.000 6.91%
2012 9.128.000 48.6%
2013 10.106.000 9.68%
2014 12.652.000 20.12%
2015 23.297.000 45.69%
2016 27.717.000 15.95%
2017 28.173.000 1.62%
2018 21.376.000 -31.8%
2019 53.783.000 60.26%
2020 46.650.000 -15.29%
2021 31.859.000 -46.43%
2022 9.157.000 -247.92%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bottomline Technologies, Inc. Equity
Year Equity Growth
1998 4.400.000
1999 45.900.000 90.41%
2000 57.128.000 19.65%
2001 92.964.000 38.55%
2002 72.631.000 -27.99%
2003 47.695.000 -52.28%
2004 59.253.000 19.51%
2005 72.793.000 18.6%
2006 136.608.000 46.71%
2007 140.436.000 2.73%
2008 138.265.000 -1.57%
2009 120.549.000 -14.7%
2010 210.391.000 42.7%
2011 285.674.000 26.35%
2012 314.186.000 9.07%
2013 356.749.000 11.93%
2014 387.426.000 7.92%
2015 348.538.000 -11.16%
2016 294.787.000 -18.23%
2017 261.956.000 -12.53%
2018 310.932.000 15.75%
2019 379.377.000 18.04%
2020 392.334.000 3.3%
2021 456.234.000 14.01%
2022 416.583.000 -9.52%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bottomline Technologies, Inc. Assets
Year Assets Growth
1998 11.300.000
1999 55.100.000 79.49%
2000 71.280.000 22.7%
2001 116.449.000 38.79%
2002 97.317.000 -19.66%
2003 73.362.000 -32.65%
2004 90.067.000 18.55%
2005 110.441.000 18.45%
2006 175.834.000 37.19%
2007 189.984.000 7.45%
2008 201.446.000 5.69%
2009 183.151.000 -9.99%
2010 269.382.000 32.01%
2011 363.334.000 25.86%
2012 392.371.000 7.4%
2013 585.522.000 32.99%
2014 700.343.000 16.39%
2015 688.484.000 -1.72%
2016 652.887.000 -5.45%
2017 617.439.000 -5.74%
2018 635.968.000 2.91%
2019 669.229.000 4.97%
2020 793.137.000 15.62%
2021 815.728.000 2.77%
2022 795.228.000 -2.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bottomline Technologies, Inc. Liabilities
Year Liabilities Growth
1998 6.900.000
1999 9.200.000 25%
2000 14.152.000 34.99%
2001 23.485.000 39.74%
2002 24.686.000 4.87%
2003 25.667.000 3.82%
2004 30.814.000 16.7%
2005 37.648.000 18.15%
2006 39.226.000 4.02%
2007 49.548.000 20.83%
2008 63.181.000 21.58%
2009 62.602.000 -0.92%
2010 58.991.000 -6.12%
2011 77.660.000 24.04%
2012 78.185.000 0.67%
2013 228.773.000 65.82%
2014 312.917.000 26.89%
2015 339.946.000 7.95%
2016 358.100.000 5.07%
2017 355.483.000 -0.74%
2018 325.036.000 -9.37%
2019 289.852.000 -12.14%
2020 400.803.000 27.68%
2021 359.494.000 -11.49%
2022 378.645.000 5.06%

Bottomline Technologies, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.02
Net Income per Share
-0.38
Price to Earning Ratio
-149.73x
Price To Sales Ratio
0x
POCF Ratio
32.04
PFCF Ratio
0
Price to Book Ratio
5.35
EV to Sales
0.06
EV Over EBITDA
0.59
EV to Operating CashFlow
0.38
EV to FreeCashFlow
0.65
Earnings Yield
-0.01
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
0,03 Bil.
Graham Number
9.56
Graham NetNet
-3.75

Income Statement Metrics

Net Income per Share
-0.38
Income Quality
-4.67
ROE
-0.04
Return On Assets
-0.02
Return On Capital Employed
-0.01
Net Income per EBT
1.56
EBT Per Ebit
1.79
Ebit per Revenue
-0.01
Effective Tax Rate
-0.56

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0.17
Stock Based Compensation to Revenue
0.1
Gross Profit Margin
0.58
Operating Profit Margin
-0.01
Pretax Profit Margin
-0.02
Net Profit Margin
-0.03

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.78
Free CashFlow per Share
1.03
Capex to Operating CashFlow
-0.42
Capex to Revenue
-0.07
Capex to Depreciation
-0.59
Return on Invested Capital
-0.01
Return on Tangible Assets
-0.04
Days Sales Outstanding
56.51
Days Payables Outstanding
21.23
Days of Inventory on Hand
0
Receivables Turnover
6.46
Payables Turnover
17.19
Inventory Turnover
0
Capex per Share
-0.74

Balance Sheet

Cash per Share
3,37
Book Value per Share
10,66
Tangible Book Value per Share
1.09
Shareholders Equity per Share
10.66
Interest Debt per Share
3.91
Debt to Equity
0.36
Debt to Assets
0.2
Net Debt to EBITDA
0.59
Current Ratio
1.68
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,10 Bil.
Invested Capital
0.36
Working Capital
0,11 Bil.
Intangibles to Total Assets
0.5
Average Receivables
0,07 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bottomline Technologies, Inc. Dividends
Year Dividends Growth

Bottomline Technologies, Inc. Profile

About Bottomline Technologies, Inc.

Bottomline Technologies, Inc. provides various solutions for the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries. It operates through four segments: Cloud Solutions, Banking Solutions, Payments and Documents, and Other. The company's products and services include Paymode-X, a SaaS solution, which allows businesses to transition from legacy invoice-to-pay processes maximizing cost-savings, efficiency, and security; PTX, a payment platform that offers various ways to pay and get paid to organizations; and financial messaging solutions for risk management to financial institutions and corporations. It also provides Digital Banking IQ, an intelligent engagement platform for banking and payments; and legal spend management solutions, which integrate with claims management, and time and billing systems to automate legal invoice management processes, as well as provide insight into various areas of a company's outside legal spend. In addition, the company offers fraud and financial crime solutions to monitor, replay, and analyze user behavior and payment transactions to flag and prevent suspicious activity in real time; and healthcare solutions, including electronic signature and mobile document. Further, it provides consulting, implementation, and training services. The company serves customers in the United States, the United Kingdom, Continental Europe, the Asia-Pacific, and the Middle East. Bottomline Technologies, Inc. was founded in 1989 and is headquartered in Portsmouth, New Hampshire.

CEO
Mr. Robert Eberle
Employee
2.344
Address
325 Corporate Dr
Portsmouth, 03801-6808

Bottomline Technologies, Inc. Executives & BODs

Bottomline Technologies, Inc. Executives & BODs
# Name Age

Bottomline Technologies, Inc. Competitors