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Stock Expert AI presents
EPAY
Bottomline Technologies, Inc
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Bottomline Technologies, Inc. What it actually does.

Provides cloud-based payment solutions. Offers banking solutions for financial institutions. Now — the numbers.

on the stock market since 1999
2,344 employees
WHERE DOES THE MONEY COME FROM?
82%Subscriptions
SubscriptionsService and Maintenance 17%License 1%Product and Service, Other <1%
82% of all revenue comes from a single line: Subscriptions.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

Revenue last year:
$471.4M
The loss that same year:
$16.3M
Sales don’t cover the costs; the gap drains from the cash pile every year.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

THE SALES TREND
Sales are growing — but slowly for a company this size.

Average growth of 8% a year over the last 4 years. Red columns mark years that ended in a loss.

$349.4M
2017
2018
2019
2020
$471.4M
2021
In the vault right now:
$144.1M
DEBT: $162.7M
At this pace, that money lasts about 8.8 years.

At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
5 / 8
EXPECTATIONS MET OR BEATEN
5
May 2020
May 2022
5 TIMES IN THE LAST 8 QUARTERS
A mixed scorecard.
THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit per sale, but shrinking8/10
WEAK SPOTS
The stock has lost its spark0/10
THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/1
The product is selling

Sales run at $471.4M a year. A small number, but proof the product has real buyers.

1
THE RISKS · 1/2
Small scale, thin loss

A loss of $16.3M against $471.4M in annual sales.

2
THE RISKS · 2/2
The stock has lost its spark

The price action doesn’t yet back an upward turn. Council score: 0/10.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

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This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film