Bumble (BMBL) AI Stock Analysis

• Market Cap: $382.19M
• Dividend Yield: N/A
• Average Volume (3M): 3.02M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.16
• Revenue Growth: -7.43%
• EPS Growth: 61.36%
• Country: US
• Employees: 1,200
• Sector: Communication Services
• Sector Strength: 97
• Industry: Software - Application
• EPS (TTM): 0.33
• Shares Outstanding: 112,738,976
• 10 Day Avg. Volume: 2,845,042
• 30 Day Avg. Volume: 3,016,030
• PEG Ratio: >-0.01
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 0.92
• P/FCF Ratio: 10.17
• Enterprise Value/Market Cap: 4.19
• Enterprise Value/Revenue: 1.59
• Enterprise Value/Gross Profit: 2.26
• Enterprise Value/Ebitda: -9.23
• 1Y Price Target: $4.60
• Price Target Upside: 35.69% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 11
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 51 Neutral
• Price Target: $3.50 ▲(3.24% Upside)

Bumble's overall stock score reflects significant challenges with declining revenue and profitability, as well as bearish technical indicators. While the company's strategic shift towards AI and improved user experience is promising, immediate financial and valuation concerns weigh heavily. The earnings call provides some optimism for future growth, but short-term headwinds remain a concern.

Positive Factors

AI and Technology Investments

Investments in AI and a cloud-native platform indicate a strategic focus on innovation, potentially improving user engagement and competitive positioning.

Improvement in Retention and ARPPU

Improving retention and ARPPU signal enhanced user satisfaction and monetization, which can drive sustainable revenue growth.

Significant Marketing Efficiency

Improved marketing efficiency reduces costs and enhances profitability, supporting long-term financial health and operational effectiveness.

Negative Factors

Revenue Decline

A decline in revenue reflects challenges in maintaining growth, potentially impacting the company's ability to invest in future initiatives.

Decrease in Paying Users

A decrease in paying users can hinder revenue growth and indicates potential issues with user retention and satisfaction.

Future Revenue Growth Uncertainty

Ongoing attrition in active and paying members creates uncertainty around future revenue growth, affecting long-term financial projections.

Bumble Business Overview & Revenue Model

Company Description

Bumble Inc. (BMBL) is a technology company that operates a suite of dating and social networking applications, including its flagship platform Bumble, as well as Badoo and Bumble BFF. Founded in 2014, Bumble distinguishes itself by empowering women to make the first move in heterosexual matches, promoting safety and respect in online dating. The company focuses on creating a positive and inclusive community for users seeking romantic relationships, friendships, or business networking opportunities.

How the Company Makes Money

Bumble generates revenue primarily through its subscription services and in-app purchases. The company offers various premium subscription tiers, such as Bumble Boost and Bumble Premium, which provide users with enhanced features like the ability to see who liked them, rematch with expired connections, and extend matches. Additionally, Bumble earns revenue through the sale of in-app features, such as SuperSwipes and Bumble Coins, which allow users to enhance their profiles and boost their visibility. Strategic partnerships and advertising opportunities further contribute to Bumble's earnings, as the company collaborates with brands to create engaging ad content within its platforms.

Bumble Financial Statement Overview

Summary

Bumble faces significant challenges with declining revenue and profitability, as reflected in its income statement. The balance sheet indicates manageable leverage but poor returns on equity. Cash flow generation is relatively strong, but the decline in free cash flow growth is a concern. The company needs to focus on improving operational efficiency and profitability to enhance its financial health.

Income Statement

Bumble's income statement shows declining revenue with a negative growth rate of -2.66% TTM, indicating a challenging market environment. The gross profit margin remains strong at 70.39%, but the company struggles with profitability, evidenced by a negative net profit margin of -82.41% and negative EBIT and EBITDA margins. The company needs to address its operational inefficiencies to improve its bottom line.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 1.09 TTM, suggesting manageable leverage. However, the return on equity is negative, indicating that the company is not generating sufficient returns on shareholders' equity. The equity ratio is not provided, but the overall financial position suggests a need for improved asset utilization and profitability.

Cash Flow

Bumble's cash flow statement shows a decline in free cash flow growth by -9.42% TTM, which is concerning. However, the operating cash flow to net income ratio is healthy at 1.68, indicating good cash generation relative to net income. The free cash flow to net income ratio is also strong at 0.95, suggesting that the company is effectively converting its earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.00B	1.07B	1.05B	903.50M	760.91M	579.54M
Gross Profit	708.28M	752.81M	744.00M	654.01M	555.34M	425.12M
EBITDA	-173.32M	-634.68M	121.40M	3.06M	-27.63M	121.82M
Net Income	-198.78M	-557.01M	-4.21M	-79.75M	309.81M	-144.77M
Balance Sheet
Total Assets	2.19B	2.52B	3.63B	3.69B	3.78B	3.64B
Cash, Cash Equivalents and Short-Term Investments	307.88M	204.32M	355.64M	402.56M	369.18M	128.03M
Total Debt	600.08M	629.52M	635.37M	641.86M	654.59M	836.98M
Total Liabilities	1.16B	1.18B	1.29B	1.24B	1.31B	1.55B
Stockholders Equity	675.46M	824.53M	1.64B	1.63B	1.61B	2.08B
Cash Flow
Free Cash Flow	173.60M	96.69M	167.15M	116.61M	91.18M	2.40B
Operating Cash Flow	185.71M	123.44M	182.09M	132.94M	104.84M	2.41B
Investing Cash Flow	-12.11M	-26.75M	-24.75M	-86.05M	-12.48M	-2.85B
Financing Cash Flow	-122.78M	-250.83M	-198.89M	-14.95M	151.49M	505.82M

Bumble Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.39
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BMBL, the sentiment is Negative. The current price of 3.39 is below the 20-day moving average (MA) of 3.58, below the 50-day MA of 4.58, and below the 200-day MA of 5.48, indicating a bearish trend. The MACD of -0.26 indicates Negative momentum. The RSI at 32.80 is Neutral, neither overbought nor oversold. The STOCH value of 50.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BMBL.

Bumble Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CXM	77 Outperform	$1.98B	18.98	21.35%	―	6.48%	168.94%
GTM	71 Outperform	$3.10B	31.44	6.51%	―	1.47%	1077.70%
LAW	62 Neutral	$369.83M	―	-41.00%	―	6.33%	-66.34%
SPT	61 Neutral	$653.67M	―	-26.69%	―	13.09%	32.34%
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
VMEO	57 Neutral	―	―	0.35%	―	-0.67%	-95.68%
BMBL	51 Neutral	$382.19M	―	-25.34%	―	-7.43%	61.36%

Bumble Corporate Events

Bumble Settles TRA, Enhances Cash Flow Flexibility

On November 5, 2025, Bumble Inc. announced an amendment to its Tax Receivable Agreement (TRA) with Blackstone and Whitney Wolfe Herd, resulting in a $186 million settlement to terminate all payment obligations under the TRA. This move is expected to enhance Bumble’s cash flow, reduce long-term obligations, and provide strategic flexibility for future growth initiatives. Additionally, Bumble reported a 10% decline in total revenue for the third quarter of 2025 compared to the previous year, with a focus on improving member base quality and embedding innovation into its platform.