Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
In this section, we usually try to help investors determine whether BorrowMoney.com is trading at an attractive price based on the cash flow it is expected to produce in the future. But as BorrowMoney.com has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.
This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.
Show me the analysis anyway
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
BorrowMoney.com. This is due to cash flow or dividend data being
unavailable. The share price is
$2.5.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
BorrowMoney.com's
earnings,
growth
and
assets
is considered below, and whether this is a fair price.
Price based on past earnings
Are
BorrowMoney.com's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as BorrowMoney.com has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
it right!
17.8%
Expected Interactive Media and Services industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is
BorrowMoney.com
expected to grow at an
attractive
rate?
Unable to compare BorrowMoney.com's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare BorrowMoney.com's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare BorrowMoney.com's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if BorrowMoney.com is high growth as no earnings estimate data is available.
Unable to determine if BorrowMoney.com is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
All data from BorrowMoney.com Company Filings, last reported 6 months ago, and in
Trailing twelve months (TTM)
annual period rather than quarterly.
OTCPK:BWMY Past Financials Data
Date (Data in USD Millions)
EPS *
2019-05-31
0.00
2019-02-28
0.00
2018-11-30
0.00
2018-08-31
0.00
2018-05-31
-0.01
2018-02-28
-0.01
2017-11-30
0.00
2017-08-31
0.00
2017-05-31
0.00
2017-02-28
-0.01
2016-11-30
-0.01
2016-08-31
-0.01
*GAAP earnings excluding extraordinary items.
Performance in 3 years
In the same way as past performance we look at the future estimated return
(profit) compared to the available
funds. We do this looking forward 3 years.
Unable to establish if BorrowMoney.com will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next steps:
BorrowMoney.com's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors.
Take a look at other high-growth Media companies here
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access BorrowMoney.com's filings and announcements here.
We assess
BorrowMoney.com's future performance by looking at:
Is the annual earnings growth rate expected to beat the low risk savings rate, plus a
premium to keep pace with inflation?
Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
Is the annual earnings growth rate expected to be above 20%? (1 check)
Is the annual revenue growth rate expected to be above 20%? (1 check)
Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making
in the relevant year.
BorrowMoney.com
has a total score of
0/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Below we compare
BorrowMoney.com's growth in the last year to its industry (Interactive Media and Services).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it
has maintained that growth in the year.
BorrowMoney.com does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
Unable to compare BorrowMoney.com's 1-year earnings growth to the 5-year average as it is not currently profitable.
Unable to compare BorrowMoney.com's 1-year growth to the US Interactive Media and Services industry average as it is not currently profitable.
Earnings and Revenue History
BorrowMoney.com's
revenue
and
profit
over the past 5 years is shown below, any years where they have experienced a
loss will show up in red.
All data from BorrowMoney.com Company Filings, last reported 6 months ago, and in
Trailing twelve months (TTM)
annual period rather than quarterly.
OTCPK:BWMY Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions)
Revenue
Net Income *
G+A Expenses
R&D Expenses
2019-05-31
0.03
-0.05
0.06
2019-02-28
0.03
-0.06
0.07
2018-11-30
0.01
-0.08
0.08
2018-08-31
-0.10
0.09
2018-05-31
0.00
-0.15
0.12
2018-02-28
0.01
-0.13
0.11
2017-11-30
0.01
-0.11
0.10
2017-08-31
0.01
-0.10
0.10
2017-05-31
0.02
-0.09
0.09
2017-02-28
0.00
-0.12
0.11
2016-11-30
0.00
-0.14
0.14
2016-08-31
0.00
-0.16
0.15
2016-05-31
-0.17
0.17
2015-08-31
-0.08
0.08
2014-08-31
-0.01
0.01
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
It is difficult to establish if BorrowMoney.com has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) due to its liabilities exceeding its assets.
It is difficult to establish if BorrowMoney.com has efficiently used its assets last year compared to the US Interactive Media and Services industry average (Return on Assets) as it is loss-making.
It is difficult to establish if BorrowMoney.com improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to its liabilities exceeding its assets.
We assess
BorrowMoney.com's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
Interactive Media and Services
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
BorrowMoney.com
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
(assets)
and owe
(liabilities).
The boxes below represent the relative size of what makes up
BorrowMoney.com's finances.
The net worth of a company is the difference between its assets and liabilities.
Net Worth
BorrowMoney.com's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
BorrowMoney.com has no long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of
BorrowMoney.com's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Low level of unsold assets.
BorrowMoney.com has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
We assess
BorrowMoney.com's financial health by checking for:
Are short term assets greater than short term liabilities? (1 check)
Are short term assets greater than long term liabilities? (1 check)
Has the debt to equity ratio increased in the past 5 years? (1 check)
Is the debt to equity ratio over 40%? (1 check)
Is the debt covered by operating cash flow? (1 check)
Are earnings greater than 5x the interest on debt (if company pays interest
at all)? (1 check)
BorrowMoney.com
has a total score of
1/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
0%
Current annual income from
BorrowMoney.com
dividends.
If you bought
$2,000 of
BorrowMoney.com
shares you are expected to receive
$0
in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you
can get in a
savings account?
It is up there with the
best dividend paying companies?
Unable to evaluate BorrowMoney.com's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
Unable to evaluate BorrowMoney.com's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.
We also check to see if the dividend has increased in the past 10 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
CEO
AldoPiscitello
COMPENSATION
$0
AGE
66
TENURE AS CEO
9.9 years
CEO Bio
Mr. Aldo Piscitello founded Borrowmoney.com, Inc. in 2010 and has been its Chief Executive Officer, President, Corporation Secretary and Treasurer since 2010. Mr. Piscitello serves as Chairman and Chief Financial Officer at BorrowMoney.com, Inc. As Chief Executive Officer, he has spearheaded the development of the products and information delivery systems, including procuring the most valuable asset, the name BorrowMoney.com. Previously, He was a very successful entrepreneur, founding and developing numerous successful businesses in varying industries. In 2010, Mr. Piscitello began the development of BorrowMoney.com, Inc. which he devotes all of his time and energies. Among his responsibilities were the securing and patenting the name, developing the program and platform is using, marketing the products and services to the industry and seeing to the everyday operation of the business. Mr. Piscitello has been a Director of Borrowmoney.com, Inc. since August 2010.
CEO Compensation
Insufficient data for Aldo to compare compensation growth.
Insufficient data for Aldo to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the
BorrowMoney.com
management team in years:
0.9
Average Tenure
54
Average Age
The average tenure for the BorrowMoney.com management team is less than 2 years, this suggests a new team.
Management Team
Aldo Piscitello
TITLE
Founder
AGE
66
TENURE
9.9 yrs
Zack Fonseca
TITLE
Operation Director
AGE
47
TENURE
0.9 yrs
Nancy Alario
TITLE
Marketing Director
AGE
60
TENURE
0.9 yrs
Robert Carrington
TITLE
Interim Financial Officer
AGE
48
TENURE
0.4 yrs
Board of Directors Tenure
Average tenure and age of the
BorrowMoney.com
board of directors in years:
0.5
Average Tenure
47.5
Average Age
The average tenure for the BorrowMoney.com board of directors is less than 3 years, this suggests a new board.
Board of Directors
Aldo Piscitello
TITLE
Founder
AGE
66
Zack Fonseca
TITLE
Operation Director
AGE
47
TENURE
0.4 yrs
Nancy Alario
TITLE
Marketing Director
AGE
60
TENURE
0.5 yrs
Robert Carrington
TITLE
Interim Financial Officer
AGE
48
TENURE
0.4 yrs
Frank Micali
TITLE
Director
AGE
45
TENURE
4.2 yrs
Lana Coliban
TITLE
Director
AGE
29
TENURE
1.1 yrs
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
BorrowMoney.com, Inc. operates an online loan marketplace portal. The product can be used by customers to connect with multiple lenders for financial borrowing needs, to track their credit score, and review all loans, and credit card accounts. BorrowMoney.com, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida
BorrowMoney.com, Inc.
512 Bayshore Drive,
Fort Lauderdale,
Florida, 33304,
United States
Listings
Exchange Symbol
Ticker Symbol
Security
Exchange
Country
Currency
Listed on
OTCPK
BWMY
Common Stock
Pink Sheets LLC
US
USD
07. Jan 2019
Number of employees
Current staff
4
BorrowMoney.com
employees.
Industry
Interactive Media and Services
Media
Company Analysis and Financial Data Status
Area
Date (UTC time)
Company Analysis updated:
2019/12/11 01:12
End of day share price update:
2019/12/05 00:00
Last earnings filing:
2019/07/09
Last earnings reported:
2019/05/31
Last annual earnings reported:
2018/08/31
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.