EPAY — Stock Film
STOCK FILMSCENE 1/11EPAY · $56.99
Stock Expert AI presents
EPAY
Bottomline Technologies, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Bottomline Technologies, Inc. A quick introduction.

On the stock market since 1999, it operates in the world of technology. It has 2,344 employees. Now — the numbers.

on the stock market since 1999
2,344 employees
$0 market value
Revenue last year:
$0
The loss that same year:
$0
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.

WHERE DOES THE MONEY COME FROM?
82%Subscriptions
Subscriptions 82%Service 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.

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
$394.1M
2018
$422M
2019
$442.2M
2020
$471.4M
2021
In the vault right now:
$0
DEBT: $162.7M
At this pace, that money lasts about 8.8 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

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
C
0 / 100 · MoonshotScore

On our five-subject report card, EPAY sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: EPAY is a high-risk stock — not yet profitable, and its future rides on its product catching on.

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This was a film — not investment advice.
Data: FMP & company filings
Jul 24, 2026 · stockexpertai.com · Stock Film