Wm Technology Inc Financials

MAPS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Wm Technology Inc (MAPS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 35/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Wm Technology Inc has an operating margin of 0.4%, meaning the company retains $0 of operating profit per $100 of revenue. This below-average margin results in a low score of 23/100, suggesting thin profitability after operating expenses. This is down from 8.0% the prior year.

Growth

Wm Technology Inc's revenue declined 5.3% year-over-year, from $184.5M to $174.7M. This contraction results in a growth score of 24/100.

Leverage

Wm Technology Inc has a moderate D/E ratio of 2.33. This balance of debt and equity financing earns a leverage score of 54/100.

Liquidity

Wm Technology Inc's current ratio of 2.34 indicates adequate short-term liquidity, earning a score of 43/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

Wm Technology Inc has a free cash flow margin of 7.7%, earning a moderate score of 44/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Wm Technology Inc generates a 3.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is down from 21.2% the prior year.

Altman Z-Score Distress

1.19

Wm Technology Inc scores 1.19, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Piotroski F-Score Neutral

4/9

Wm Technology Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

13.35x

For every $1 of reported earnings, Wm Technology Inc generates $13.35 in operating cash flow ($26.2M OCF vs $2.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$174.7M

YoY-5.3%

5Y CAGR+1.5%

Wm Technology Inc generated $174.7M in revenue in fiscal year 2025. This represents a decrease of 5.3% from the prior year.

EBITDA

$14.2M

YoY-49.5%

5Y CAGR-20.7%

Wm Technology Inc's EBITDA was $14.2M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 49.5% from the prior year.

Net Income

$2.0M

YoY-74.3%

5Y CAGR-45.0%

Wm Technology Inc reported $2.0M in net income in fiscal year 2025. This represents a decrease of 74.3% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$13.5M

YoY-46.1%

5Y CAGR-18.7%

Wm Technology Inc generated $13.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 46.1% from the prior year.

Cash & Debt

$62.4M

YoY+20.1%

5Y CAGR+25.7%

Wm Technology Inc held $62.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

94.9%

YoY-0.2pp

5Y CAGR-0.3pp

Wm Technology Inc's gross margin was 94.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.2 percentage points from the prior year.

Operating Margin

0.4%

YoY-7.6pp

5Y CAGR-25.0pp

Wm Technology Inc's operating margin was 0.4% in fiscal year 2025, reflecting core business profitability. This is down 7.6 percentage points from the prior year.

Net Margin

1.1%

YoY-3.0pp

5Y CAGR-22.9pp

Wm Technology Inc's net profit margin was 1.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.0 percentage points from the prior year.

Return on Equity

3.4%

YoY-17.7pp

Wm Technology Inc's ROE was 3.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 17.7 percentage points from the prior year.

Capital Allocation

R&D Spending

$28.1M

YoY-22.8%

5Y CAGR+0.7%

Wm Technology Inc invested $28.1M in research and development in fiscal year 2025. This represents a decrease of 22.8% from the prior year.

Share Buybacks

N/A

Capital Expenditures

$12.7M

YoY+9.0%

5Y CAGR+57.4%

Wm Technology Inc invested $12.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 9.0% from the prior year.

MAPS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$174.7M-5.3%	$184.5M-1.9%	$188.0M-12.8%	$215.5M+11.6%	$193.1M+19.4%	$161.8M
Cost of Revenue	$8.8M-2.1%	$9.0M-28.0%	$12.5M-18.7%	$15.4M+94.1%	$7.9M+4.0%	$7.6M
Gross Profit	$165.9M-5.5%	$175.5M0.0%	$175.5M-12.3%	$200.1M+8.1%	$185.2M+20.1%	$154.2M
R&D Expenses	$28.1M-22.8%	$36.4M+1.2%	$36.0M-28.7%	$50.5M+42.7%	$35.4M+30.4%	$27.1M
SG&A Expenses	$76.9M+9.0%	$70.6M-5.0%	$74.3M-38.5%	$120.8M+27.0%	$95.1M+86.0%	$51.1M
Operating Income	$766K-94.8%	$14.8M+180.0%	-$18.5M+73.5%	-$69.6M-751.3%	-$8.2M-119.9%	$41.2M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$93K+102.2%	$46K-50.5%	$93K-99.9%	$179.1M+29896.5%	-$601K	$0
Net Income	$2.0M-74.3%	$7.6M+177.2%	-$9.9M+91.5%	-$116.0M-292.1%	$60.4M+55.5%	$38.8M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$43.1M+2.1%	$42.2M-6.0%	$44.8M+0.5%	$44.6M-6.4%	$47.7M+2.4%	$46.6M+1.4%	$45.9M+3.4%	$44.4M
Cost of Revenue	$2.2M+3.6%	$2.1M-7.1%	$2.3M+1.7%	$2.2M-2.1%	$2.3M+4.9%	$2.2M-2.8%	$2.2M-2.5%	$2.3M
Gross Profit	$40.9M+2.0%	$40.1M-5.9%	$42.6M+0.5%	$42.4M-6.6%	$45.4M+2.3%	$44.4M+1.6%	$43.7M+3.7%	$42.1M
R&D Expenses	$6.2M-3.4%	$6.4M-14.8%	$7.5M-5.9%	$8.0M-0.8%	$8.1M-14.9%	$9.5M-1.6%	$9.6M+4.5%	$9.2M
SG&A Expenses	$18.9M+6.2%	$17.8M-13.8%	$20.7M+6.4%	$19.5M+2.1%	$19.1M+15.5%	$16.5M-11.0%	$18.5M+12.1%	$16.5M
Operating Income	-$5.8M-396.5%	$2.0M-0.5%	$2.0M-25.6%	$2.6M-42.1%	$4.6M-12.2%	$5.2M+322.7%	$1.2M-67.3%	$3.8M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$71K+446.2%	$13K	$0-100.0%	$9K+134.6%	-$26K-223.8%	$21K-50.0%	$42K+366.7%	$9K
Net Income	-$3.6M-245.2%	$2.5M+72.4%	$1.4M-13.4%	$1.6M-29.9%	$2.4M-29.4%	$3.3M+365.4%	$716K-42.3%	$1.2M
EPS (Diluted)	N/A	N/A	N/A	$0.02	N/A	N/A	N/A	$0.01

MAPS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$190.7M+4.8%	$181.9M+8.9%	$167.0M-16.1%	$199.0M-45.5%	$365.1M+577.5%	$53.9M
Current Assets	$84.9M+22.2%	$69.5M+35.0%	$51.5M-6.4%	$55.0M-44.4%	$98.9M+189.6%	$34.2M
Cash & Equivalents	$62.4M+20.1%	$52.0M+51.3%	$34.4M+20.2%	$28.6M-57.8%	$67.8M+240.3%	$19.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$14.6M+45.3%	$10.1M-9.8%	$11.2M-36.0%	$17.4M-0.6%	$17.6M+86.1%	$9.4M
Goodwill	$61.3M-10.4%	$68.4M0.0%	$68.4M0.0%	$68.4M+50.9%	$45.3M+1043.5%	$4.0M
Total Liabilities	$133.5M-8.4%	$145.8M-3.2%	$150.6M-18.9%	$185.7M-20.4%	$233.2M+332.7%	$53.9M
Current Liabilities	$36.2M+19.1%	$30.4M-9.7%	$33.7M-27.2%	$46.3M+22.5%	$37.8M+62.6%	$23.2M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$57.2M+58.5%	$36.1M+120.3%	$16.4M+22.4%	$13.4M-78.9%	$63.6M	$0
Retained Earnings	-$54.9M+3.4%	-$56.9M+11.8%	-$64.5M-18.1%	-$54.6M-189.0%	$61.4M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$190.7M-1.2%	$192.9M+2.6%	$188.1M+2.3%	$183.8M+1.1%	$181.9M+4.8%	$173.6M+3.3%	$168.0M+1.3%	$165.8M
Current Assets	$84.9M+4.1%	$81.6M+5.4%	$77.4M+7.5%	$72.0M+3.6%	$69.5M+17.1%	$59.4M+10.3%	$53.8M+7.1%	$50.3M
Cash & Equivalents	$62.4M-0.3%	$62.6M+6.2%	$59.0M+10.7%	$53.3M+2.5%	$52.0M+15.4%	$45.0M+9.1%	$41.3M+15.6%	$35.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$14.6M+36.5%	$10.7M-7.7%	$11.6M+8.6%	$10.7M+6.2%	$10.1M+27.2%	$7.9M+13.0%	$7.0M-11.3%	$7.9M
Goodwill	$61.3M-10.4%	$68.4M0.0%	$68.4M0.0%	$68.4M0.0%	$68.4M0.0%	$68.4M0.0%	$68.4M0.0%	$68.4M
Total Liabilities	$133.5M-1.8%	$136.0M+0.5%	$135.3M0.0%	$135.4M-7.2%	$145.8M+1.2%	$144.0M+0.4%	$143.5M-1.1%	$145.1M
Current Liabilities	$36.2M+12.9%	$32.1M-0.3%	$32.2M+0.1%	$32.2M+5.7%	$30.4M+9.5%	$27.8M-8.4%	$30.3M+1.1%	$30.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$57.2M+0.5%	$56.9M+7.9%	$52.7M+8.8%	$48.5M+34.3%	$36.1M+22.1%	$29.5M+20.8%	$24.5M+17.6%	$20.8M
Retained Earnings	-$54.9M-7.0%	-$51.3M+4.6%	-$53.8M+2.6%	-$55.2M+2.9%	-$56.9M+4.0%	-$59.2M+5.3%	-$62.6M+1.1%	-$63.3M

MAPS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$26.2M-28.6%	$36.7M+60.0%	$22.9M+297.3%	-$11.6M-138.5%	$30.2M-23.1%	$39.2M
Capital Expenditures	$12.7M+9.0%	$11.6M-2.0%	$11.9M-26.1%	$16.1M+102.3%	$7.9M+505.3%	$1.3M
Free Cash Flow	$13.5M-46.1%	$25.0M+126.5%	$11.1M+140.0%	-$27.7M-224.4%	$22.3M-41.3%	$37.9M
Investing Cash Flow	-$12.7M-9.0%	-$11.6M+2.0%	-$11.9M+33.2%	-$17.8M+41.6%	-$30.4M-2221.5%	-$1.3M
Financing Cash Flow	-$3.1M+58.7%	-$7.4M-40.3%	-$5.3M+46.0%	-$9.8M-120.4%	$48.1M+309.4%	-$23.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$0	$0-100.0%	$5.6M+1270.7%	$406K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$3.0M-52.5%	$6.4M-42.0%	$11.1M+95.3%	$5.7M-39.8%	$9.4M+30.2%	$7.2M-42.9%	$12.7M+70.9%	$7.4M
Capital Expenditures	$3.3M+16.1%	$2.9M+0.8%	$2.8M-22.1%	$3.6M+70.7%	$2.1M-9.4%	$2.4M-9.3%	$2.6M-42.7%	$4.5M
Free Cash Flow	-$280K-107.9%	$3.6M-56.8%	$8.2M+308.0%	$2.0M-72.3%	$7.3M+49.4%	$4.9M-51.6%	$10.1M+251.2%	$2.9M
Investing Cash Flow	-$3.3M-16.1%	-$2.9M-0.8%	-$2.8M+22.1%	-$3.6M-70.7%	-$2.1M+9.4%	-$2.4M+9.3%	-$2.6M+42.7%	-$4.5M
Financing Cash Flow	$90K+1.1%	$89K+103.5%	-$2.5M-260.6%	-$705K-107.4%	-$340K+69.4%	-$1.1M+75.2%	-$4.5M-199.5%	-$1.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

MAPS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	94.9%-0.2pp	95.1%+1.8pp	93.3%+0.5pp	92.8%-3.0pp	95.9%+0.6pp	95.3%
Operating Margin	0.4%-7.6pp	8.0%+17.8pp	-9.8%+22.5pp	-32.3%-28.1pp	-4.2%-29.7pp	25.5%
Net Margin	1.1%-3.0pp	4.1%+9.4pp	-5.3%+48.6pp	-53.8%-85.1pp	31.3%+7.3pp	24.0%
Return on Equity	3.4%-17.7pp	21.2%+81.6pp	-60.4%+806.4pp	-866.9%-961.9pp	95.0%	N/A
Return on Assets	1.0%-3.2pp	4.2%+10.1pp	-5.9%+52.3pp	-58.3%-74.8pp	16.5%-55.5pp	72.0%
Current Ratio	2.34+0.1	2.28+0.8	1.53+0.3	1.19-1.4	2.62+1.1	1.47
Debt-to-Equity	2.33-1.7	4.04-5.2	9.20-4.7	13.88+10.2	3.67	N/A
FCF Margin	7.7%-5.8pp	13.6%+7.7pp	5.9%+18.7pp	-12.8%-24.4pp	11.5%-11.9pp	23.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	94.9%-0.1pp	95.0%+0.1pp	94.9%-0.1pp	95.0%-0.2pp	95.2%-0.1pp	95.3%+0.2pp	95.1%+0.3pp	94.8%
Operating Margin	-13.5%-18.1pp	4.6%+0.2pp	4.4%-1.5pp	5.9%-3.6pp	9.6%-1.6pp	11.2%+8.5pp	2.7%-5.8pp	8.5%
Net Margin	-8.3%-14.1pp	5.8%+2.6pp	3.2%-0.5pp	3.7%-1.2pp	4.9%-2.2pp	7.2%+5.6pp	1.6%-1.2pp	2.8%
Return on Equity	-6.3%-10.6pp	4.3%+1.6pp	2.7%-0.7pp	3.4%-3.1pp	6.5%-4.8pp	11.3%+8.3pp	2.9%-3.0pp	6.0%
Return on Assets	-1.9%-3.1pp	1.3%+0.5pp	0.8%-0.1pp	0.9%-0.4pp	1.3%-0.6pp	1.9%+1.5pp	0.4%-0.3pp	0.8%
Current Ratio	2.34-0.2	2.54+0.1	2.40+0.2	2.24-0.0	2.28+0.1	2.14+0.4	1.77+0.1	1.68
Debt-to-Equity	2.33-0.1	2.39-0.2	2.57-0.2	2.79-1.2	4.04-0.8	4.87-1.0	5.87-1.1	6.98
FCF Margin	-0.7%-9.1pp	8.4%-9.9pp	18.3%+13.8pp	4.5%-10.7pp	15.2%+4.8pp	10.4%-11.5pp	21.9%+15.4pp	6.5%

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Frequently Asked Questions

What is Wm Technology Inc's annual revenue?

Wm Technology Inc (MAPS) reported $174.7M in total revenue for fiscal year 2025. This represents a -5.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Wm Technology Inc's revenue growing?

Wm Technology Inc (MAPS) revenue declined by 5.3% year-over-year, from $184.5M to $174.7M in fiscal year 2025.

Is Wm Technology Inc profitable?

Yes, Wm Technology Inc (MAPS) reported a net income of $2.0M in fiscal year 2025, with a net profit margin of 1.1%.

What is Wm Technology Inc's EBITDA?

Wm Technology Inc (MAPS) had EBITDA of $14.2M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Wm Technology Inc's gross margin?

Wm Technology Inc (MAPS) had a gross margin of 94.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Wm Technology Inc's operating margin?

Wm Technology Inc (MAPS) had an operating margin of 0.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Wm Technology Inc's net profit margin?

Wm Technology Inc (MAPS) had a net profit margin of 1.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Wm Technology Inc's return on equity (ROE)?

Wm Technology Inc (MAPS) has a return on equity of 3.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Wm Technology Inc's free cash flow?

Wm Technology Inc (MAPS) generated $13.5M in free cash flow during fiscal year 2025. This represents a -46.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Wm Technology Inc's operating cash flow?

Wm Technology Inc (MAPS) generated $26.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Wm Technology Inc's total assets?

Wm Technology Inc (MAPS) had $190.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Wm Technology Inc's capital expenditures?

Wm Technology Inc (MAPS) invested $12.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Wm Technology Inc spend on research and development?

Wm Technology Inc (MAPS) invested $28.1M in research and development during fiscal year 2025.

What is Wm Technology Inc's current ratio?

Wm Technology Inc (MAPS) had a current ratio of 2.34 as of fiscal year 2025, which is generally considered healthy.

What is Wm Technology Inc's debt-to-equity ratio?

Wm Technology Inc (MAPS) had a debt-to-equity ratio of 2.33 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Wm Technology Inc's return on assets (ROA)?

Wm Technology Inc (MAPS) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Wm Technology Inc's Altman Z-Score?

Wm Technology Inc (MAPS) has an Altman Z-Score of 1.19, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Wm Technology Inc's Piotroski F-Score?

Wm Technology Inc (MAPS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Wm Technology Inc's earnings high quality?

Wm Technology Inc (MAPS) has an earnings quality ratio of 13.35x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Wm Technology Inc?

Wm Technology Inc (MAPS) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.