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ZYBERNO

Stock Report

Updated Aug 26, 2026

WM TECHNOLOGY, INC. (MAPSW)

Technology • OTC

$0.00

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

44.0/100

WEAK BUSINESS

WM TECHNOLOGY, INC. (MAPSW) scores 44/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full MAPSW quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+99.9%

Undervalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

247.0%

Margin of Safety convergence — your return if the market re-prices to intrinsic value (5-yr annualised)

34,403.7%

Yield + growth — what the business alone earns you, even if the market never re-rates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full MAPSW valuation analysis · → View full MAPSW Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (3.8%)

Debt-to-Equity (Solvency Risk):GOOD (0.48x)

Operating Margin (Operational Efficiency):CRITICAL (2.8%)

Return on Capital (Capital Efficiency):CRITICAL (4.0%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

WM TECHNOLOGY, INC. (MAPSW) stock report — Zyberno Score 44/100 (WEAK BUSINESS), Margin of Safety +99.9%, 247% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, WM TECHNOLOGY, INC. (MAPSW) trades at $0.00 against an estimated intrinsic value per share of $0.31 — a +99.9% Margin of Safety based on Owner Earnings of $7.67M TTM, projected at -22.9% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 247.0% annually.

Over the trailing twelve months, MAPSW generated $7.67M in Owner Earnings. Capital was deployed as follows: $11.57M invested in capital expenditures. Reinvestment rate: -14.6%. Owner Earnings have declined at 22.9% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.00

Market Cap:$22.28K

Valuation Multiples (3)

P/B Ratio:0.00x

P/S Ratio:0.00x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:-$18.76M

Ev Ebitda Ratio:-1.06x

Pfcf Ratio:0.00x

B. Profitability Assessment

Return Metrics (5)

ROE:

3.8%

📊 Click to view full MAPSW ROE analysis →

ROA:2.7%

Roic:

4.0%

📊 Click to view full MAPSW ROIC analysis →

Reinvestment Rate:-14.6%

Fundamental Growth Rate (g):-0.6%

Margin Analysis (3)

Operating Margin Ttm:2.8%

Net Margin Ttm:3.0%

Ebitda Margin:10.3%

TTM Performance (3)

Gross Margin Ttm:94.7%

Operating Margin Ttm:2.8%

Net Margin Ttm:3.0%

Yield Metrics (3)

Earnings Yield:-$999.00

Owner Earnings Yield:$34.40K

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-3.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):14.5%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-8.7%

Operating Cash Flow Growth Rate (Linear):25.7%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-19.6%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:2.72x

Quick Ratio:2.72x

Cash Ratio:1.93x

Leverage Analysis (3)

Debt To Equity Ttm:0.48x

Debt-to-Equity Ratio:0.48x

Debt To Ebitda:2.35x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:53,862,000.00

Cash And Cash Equivalents:60,499,000.00

Long Term Debt:$20.44M

Net Debt:-$18.79M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $171.25M

Linear Growth: -3.9%

📊 Click to view full MAPSW Revenue analysis & methodology →

Cost Of Revenue Ttm:$9.04M

Profitability Breakdown (2)

Gross profit TTM: $162.21M

Linear Growth: -3.2%

📊 Click to view full MAPSW Gross Profit analysis & methodology →

Operating income TTM: $4.84M

Linear Growth: -19.6%

📊 Click to view full MAPSW Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $5.16M

Linear Growth: 14.5%

📊 Click to view full MAPSW Net Income analysis & methodology →

Income Before Tax:$7.97M

Ebitda Ttm:17,721,000.00

Operating Expenses (5)

Operating Expenses:172,548,000.00

R And D Expense:29,994,000.00

Sga Expense:72,108,000.00

Income Tax Expense:$117.00K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:70.7%

Sga To Revenue Percentage:169.9%

Ebitda Margin:10.3%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$190.57M

Current Assets:$85.17M

Ppe Net:25,747,000.00

Goodwill:61,274,000.00

Intangible Assets:$1.24M

Liability Structure (4)

Total Liabilities:51,745,000.00

Current Liabilities:31,306,000.00

Long Term Debt:$20.44M

Short Term Debt:$21.28M

Equity & Capital (3)

Equity:$138.83M

Retained Earnings:-$51.72M

Common Stock:0.00

Working Capital Items (3)

Accounts Receivable:18,780,000.00

Inventory:0.00

Accounts Payable:11,686,000.00

Special Items (2)

Contract Liabilities:5,809,000.00

Stock Based Compensation:1,206,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $19.24M

Linear Growth: 25.7%

Free cash flow TTM: $7.67M

Linear Growth: -8.7%

📊 Click to view full MAPSW Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$13.02M

Capital Expenditures Ttm:11,570,000.00

Financing Activities (3)

Financing Cash Flow:-$2.57M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:12,877,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (1)

Earnings Per Share Ttm:$0.05

Revenue & Cash Per Share (3)

Sales Per Share Ttm:1.54

Operating Cash Flow Per Share:$0.24

Fcf Per Share Ttm:0.07

Book Value & Capital (2)

Book Value Per Share:$1.25

Cash Per Share:0.54

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.90x

Working Capital Turnover Ttm:3.18x

Receivables Management (2)

Receivables Turnover Ttm:9.12x

Days Sales Outstanding Ttm:40.03

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:471.84

Cash Conversion Cycle:-1,430.81

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:95.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $7.67M

Linear Growth: -22.9%

📊 Click to view full MAPSW Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.07

Owner Earnings Yield:$34.40K

Growth Assessment (1)

Owner Earnings Growth Rate:-$22.90

Damodaran Growth Analysis (2)

Reinvestment Rate:-14.6%

Fundamental Growth Rate (g):-0.6%

Intrinsic Value Models (1)

Intrinsic Value:

$34.19M

📊 Click to view full MAPSW DCF valuation →

Margin of Safety (1)

Margin Of Safety:

99.9%

📊 Click to view full MAPSW valuation analysis →

Return Scenarios (2)

Theoretical 5-Year Return:

247.0%

📊 Click to view full MAPSW expected return analysis →

Forward Expected Return (Yield + Growth):

34,403.7%

📊 Click to view full MAPSW expected return analysis →

Investment Assessment (1)

Buffett Assessment:Excellent margin of safety

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):-3.9%

Net Income Growth Rate (Linear):14.5%

Operating Income Growth Rate (Linear):-19.6%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-8.7%

Operating Cash Flow Growth Rate (Linear):25.7%

Other Growth Rates (3)

Gross Profit Growth Rate (Linear):-3.2%

Book Value Growth Rate (Linear):3.0%

Owner Earnings Growth Rate:-$22.90

C. Company Profile & Context

Corporate Information (6)

Symbol:MAPSW

Company Name:WM TECHNOLOGY, INC.

Sector:Technology

Industry:Software

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:111.40M

Shares Outstanding Basic:111.40M

Shares Outstanding Diluted:111.50M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-26 08:20:09 UTC

Data Timestamp:2026-08-26T08:20:09.635948