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Market Price

38.51 

0.34 0.9%

as of May 14 '21

52 Week Range:

36.25 55.63


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bottomline Technologies (de), 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; and financial messaging solutions for risk management to banks and corporations. It also provides Digital Banking Intelligent Engagement platform that enables banks to engage with customers; legal spend management solutions and services, 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 cyber fraud and risk management solutions to monitor, replay, and analyse user behaviour and payment transactions to flag and stop suspicious activity in real time; payment automation solutions that generate various domestic and international payment instructions along with consolidated bank reporting of cash activity; 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 (de), Inc. was founded in 1989 and is headquartered in Portsmouth, New Hampshire.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Equity (BVPS) 6.94
8.72
9.05
9.86
10.14
9.44
8.70
7.29
7.63
9.06
9.08
growth rate 25.7% 3.8% 9.0% 2.8% -6.9% -7.8% -16.2% 4.7% 18.7% 0.2%
Earnings BIT 6.51
10.43
7.30
-18.29
-2.48
-0.76
-3.55
-13.66
5.83
3.48
2.02
growth rate 60.2% -30.0% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -40.4% -41.9%
Avg.PE 87.72
23.04
370.37
-23.27
-23.27
-23.27
-36.30
-37.33
108.59
220.07
growth rate -73.7% 1,507.5% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% 102.7%
ROA 1.75
11.35
0.45
-2.94
-2.97
-4.99
-2.93
-5.22
1.49
1.45
-1.26
growth rate 548.6% -96.0% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -2.7% -100.0%
ROE 2.39
14.47
0.57
-4.29
-5.13
-9.42
-6.11
-11.90
3.26
2.73
-2.39
growth rate 505.4% -96.1% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -16.3% -100.0%
ROIC 2.33
14.38
0.48
-1.89
-2.00
-5.00
-2.18
-4.06
3.96
2.46
-1.26
growth rate 517.2% -96.7% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -37.9% -100.0%
Cur. Ratio 2.97
2.48
2.76
4.89
2.59
2.15
1.93
0.70
1.85
1.69
2.06
growth rate -16.5% 11.3% 77.2% -47.0% -17.0% -10.2% -63.7% 164.3% -8.7% 21.9%
Quick Ratio 2.81
2.25
2.53
4.68
2.33
1.97
1.73
0.64
1.67
1.41
1.83
growth rate -19.9% 12.4% 85.0% -50.2% -15.5% -12.2% -63.0% 160.9% -15.6% 29.8%
Leverage 1.28
1.27
1.25
1.64
1.81
1.98
2.21
2.36
2.05
1.76
2.02
growth rate -0.8% -1.6% 31.2% 10.4% 9.4% 11.6% 6.8% -13.1% -14.2% 14.8%
Balance Sheet Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Acct.Receivable 26.00
41.50
52.12
51.19
61.06
65.14
61.77
64.24
74.31
77.29
69.97
growth rate 59.6% 25.6% -1.8% 19.3% 6.7% -5.2% 4.0% 15.7% 4.0% -9.5%
Acct.Payable 26.01
25.00
16.28
11.62
10.22
9.01
10.25
10.95
13.42
growth rate -3.9% -34.9% -28.6% -12.1% -11.8% 13.7% 6.8% 22.6%
Cur.Assets 157.70
168.90
185.67
352.75
280.78
229.24
216.54
207.59
228.71
213.06
309.64
growth rate 7.1% 9.9% 90.0% -20.4% -18.4% -5.5% -4.1% 10.2% -6.8% 45.3%
Total Assets 269.40
363.30
392.37
585.52
700.34
688.48
651.21
617.44
635.97
669.23
793.14
growth rate 34.9% 8.0% 49.2% 19.6% -1.7% -5.4% -5.2% 3.0% 5.2% 18.5%
Cash 122.80
112.00
124.80
283.55
167.67
121.16
97.17
124.57
121.86
92.16
194.83
growth rate -8.8% 11.4% 127.2% -40.9% -27.7% -19.8% 28.2% -2.2% -24.4% 111.4%
Inventory 0.30
0.40
0.48
0.40
growth rate 33.3% 20.0% -16.7%
Cur.Liabilities 53.00
68.20
67.32
72.19
108.40
106.44
112.06
295.99
123.35
125.63
150.00
growth rate 28.7% -1.3% 7.2% 50.2% -1.8% 5.3% 164.1% -58.3% 1.8% 19.4%
Liabilities 59.00
77.70
78.19
228.77
312.92
339.95
356.42
355.48
325.04
289.85
400.80
growth rate 31.7% 0.6% 192.6% 36.8% 8.6% 4.9% -0.3% -8.6% -10.8% 38.3%
LT Debt 0.00
0.00
0.00
138.58
148.80
159.76
169.86
150.00
111.25
183.45
growth rate 7.4% 7.4% 6.3% -6.0% -25.8% 64.9%
Equity 210.40
285.70
314.19
356.75
387.43
348.54
294.79
261.96
310.93
379.38
392.33
growth rate 35.8% 10.0% 13.6% 8.6% -10.0% -15.4% -11.1% 18.7% 22.0% 3.4%
Common Shares 27.00
33.00
35.00
35.00
37.00
38.00
38.00
38.00
39.00
42.00
42.00
growth rate 22.2% 6.1% 0.0% 5.7% 2.7% 0.0% 0.0% 2.6% 7.7% 0.0%
Cash Flow Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Capital Expenditures 4.40
4.70
9.13
10.11
12.65
23.30
27.72
28.17
21.38
53.78
46.65
growth rate 6.8% 94.2% 10.7% 25.2% 84.1% 19.0% 1.7% -24.1% 151.6% -13.3%
Cash Dividends 0.00 0.00 0.00
growth rate
Cash From OA 26.50
30.50
35.42
41.58
52.22
62.70
67.42
61.08
70.75
78.28
97.17
growth rate 15.1% 16.1% 17.4% 25.6% 20.1% 7.5% -9.4% 15.8% 10.6% 24.1%
FCF per Share 0.83
0.77
0.70
0.88
1.10
1.15
0.95
0.87
0.87
1.22
0.91
growth rate -7.2% -9.1% 25.7% 25.0% 4.6% -17.4% -8.4% 0.0% 40.2% -25.4%
Sale Purchase of Stock 12.66
30.50
5.11
4.09
3.53
2.98
growth rate 141.0% -83.3% -19.9% -13.8% -15.7%
FCF 22.00
26.00
26.00
31.00
40.00
39.00
39.00
33.00
55.00
24.00
51.00
growth rate 18.2% 0.0% 19.2% 29.0% -2.5% 0.0% -15.4% 66.7% -56.4% 112.5%
Income Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Sales 158.00
189.40
224.28
254.77
300.59
330.89
343.27
349.41
394.10
421.96
442.22
growth rate 19.9% 18.4% 13.6% 18.0% 10.1% 3.7% 1.8% 12.8% 7.1% 4.8%
Op.Income 6.60
9.90
1.71
-14.40
-2.48
-0.76
-3.55
-13.66
5.83
3.48
2.02
growth rate 50.0% -82.8% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -40.4% -41.9%
IBT 6.50
10.40
7.30
-18.29
-17.02
-16.32
-18.86
-38.27
1.13
6.89
-7.40
growth rate 60.0% -29.8% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% 512.8% -100.0%
Net Income 4.00
35.90
1.71
-14.40
-19.10
-34.68
-19.65
-33.14
9.33
9.43
-9.23
growth rate 797.5% -95.3% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% 1.1% -100.0%
EPS 0.15
1.07
0.05
-0.41
-0.52
-0.92
-0.52
-0.88
0.24
0.23
-0.22
growth rate 613.3% -95.3% -100.0% 0.0% 0.0% 0.0% 0.0% 100.0% -4.2% -100.0%
Gross Profit 89.10
103.70
123.10
135.49
169.92
191.45
196.17
187.50
220.65
239.24
253.14
growth rate 16.4% 18.7% 10.1% 25.4% 12.7% 2.5% -4.4% 17.7% 8.4% 5.8%
R&D 18.90
21.90
28.69
32.97
39.73
47.19
47.36
53.06
57.50
67.36
73.02
growth rate 15.9% 31.0% 14.9% 20.5% 18.8% 0.4% 12.0% 8.4% 17.2% 8.4%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT -0.59
-0.22
3.06
3.45
-1.07
growth rate 0.0% 100.0% 12.7% -100.0%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 67.95
78.27
69.97
69.06
73.04
growth rate 15.2% -10.6% -1.3% 5.8%
Acct.Payable 15.94
12.83
13.42
11.95
12.14
growth rate -19.5% 4.6% -11.0% 1.6%
Cur.Assets 196.84
297.48
309.64
304.56
256.48
growth rate 51.1% 4.1% -1.6% -15.8%
Total Assets 694.93
780.57
793.14
814.25
778.64
growth rate 12.3% 1.6% 2.7% -4.4%
Cash 80.82
173.06
194.83
187.22
130.10
growth rate 114.1% 12.6% -3.9% -30.5%
Inventory
growth rate
Cur.Liabilities 132.32
146.55
150.00
134.08
138.95
growth rate 10.8% 2.4% -10.6% 3.6%
Liabilities 299.00
397.68
400.80
391.84
345.65
growth rate 33.0% 0.8% -2.2% -11.8%
LT Debt 101.11
183.47
183.45
183.00
132.52
growth rate 81.5% 0.0% -0.3% -27.6%
Equity 395.93
382.90
392.33
422.42
432.99
growth rate -3.3% 2.5% 7.7% 2.5%
Common Shares 41.70
0.05
0.05
0.05
0.05
growth rate -99.9% 0.0% 2.1% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 14.95
13.12
7.13
8.63
6.35
growth rate -12.3% -45.6% 20.9% -26.4%
Cash Dividends
growth rate
Cash From OA 9.17
28.04
27.04
7.91
16.27
growth rate 205.8% -3.6% -70.8% 105.7%
Sale Purchase of Stock
growth rate
FCF -5.78
14.93
19.91
-0.72
9.92
growth rate 100.0% 33.4% -100.0% 100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 111.69
111.72
110.64
112.37
116.02
growth rate 0.0% -1.0% 1.6% 3.3%
Op.Income -0.59
-0.22
3.06
3.45
-1.07
growth rate 0.0% 100.0% 12.7% -100.0%
IBT -1.17
-1.41
-3.46
2.16
-3.34
growth rate 0.0% 0.0% 100.0% -100.0%
Net Income 2.61
-7.47
-3.00
0.39
-4.62
growth rate -100.0% 0.0% 100.0% -100.0%
EPS
growth rate
Gross Profit 64.65
63.79
63.02
65.83
67.77
growth rate -1.3% -1.2% 4.5% 2.9%
R&D 18.28
18.00
18.39
18.50
19.18
growth rate -1.5% 2.2% 0.6% 3.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (33.44)

YOY Growth Grade:

E (31.75)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 220.07 175.05 26.74
EPS / Growth -3.5% 0.22 40.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.2% 3.2%
Future PE 2.00 16.59 16.59
Future EPS 0.24 0.30 0.30
Value Price
MOS %
0.12
-99.7%
1.24
-96.8%
1.24
-96.8%
MOS Price 0.06 0.62 0.62
IRT 99.00 58.87 58.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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