Bluemount Holdings Ltd

BMHL

Bluemount Holdings Limited, through its subsidiaries, provides consulting, advisory, and financial services in Hong Kong. It operates through Security Related Service and Asset Management, and Trading of Timepieces segments. The company offers securities dealing and brokerage, securities underwriting and placing, IPO subscription, and other financing services.

About the company

Country: Cayman IslandsPrice: $3.26Market Cap: $83.2M

Investment snapshot

6%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

4 / 11

NEUTRAL / FAIL

Median fair value

—

No comparable estimates

Models with upside

0 / 16

Positive margin of safety

Strongest signal

All 3 investors pass BMHL's efficiency

Key risk

No clean pass — all 12 investors flag at least one valuation criterion

Framework analysis

Verdict	Meaning
BUY	Positive purchase signal: the framework's buy requirements are met.
PASS	The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRAL	Neither a positive nor negative conclusion. It does not mean to hold an existing position.
FAIL	The company does not clear the framework's requirements.
Ranked	Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

Metric	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	FAIL	FAIL	FAIL	BUY	FAIL	NEUTRAL	FAIL	NEUTRAL	FAIL	FAIL	FAIL	FAIL	NEUTRAL	FAIL	FAIL	NEUTRAL
Score
Analysis	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…
Intrinsic Value (annual)	N/A	N/A	N/A	N/A	N/A	N/A			N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Margin of Safety	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financial Basis	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Market data at 2026-11-01 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Market data at 2026-11-01 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-07-01–2026-11-01 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-07-01–2026-11-01 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-08-19 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-07-01–2026-11-01 Latest source filing: 2025-08-19 Score computed: 2026-11-14

Where It Passes

Efficiency100% pass✓ 3▾
All 3 investors pass BMHL's efficiency
Revenue / Total Assets Change YoY0.30x -> 0.48x
✓PiotroskiImproved YoY
Reinvestment Rate x ROIC26.2% (RR=100% x ROIC=26.2%)
✓AkreReinvestment Rate * ROIC > 10%
ROE (5-year)2/3 years above 12% (latest 26.2%)
✓SleepROE > 12% in a majority of years

Where It Falls Short

Valuation0% pass✓ 1✗ 25▾
No clean pass — all 12 investors flag at least one valuation criterion
Price / 3-yr avg EPS
✗Graham<= 15x
Price-to-Tangible-Book Ratio16465.3x
✗Graham<= 1.5x
P/E x P/TBV
✗Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
Price / EPS
✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)60274.2x
✗Dreman< 8x
Price / Tangible Book Value per Share16465.3x
✗Dreman< 1.2x✗SchlossP/TBV <= 1.00x (app cutoff)
Valuation Reasonableness
✗MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF Yield
✗PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/B=16465.3x
✗MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic Value
✗Marks>= 20% below intrinsic value
Price / FCF per Share
✗Ackman<= 25
Price vs. Trailing Low106% of trailing low ($3.07)
✓Templeton<= 120% of trailing low (certified split-adjusted live window)
Price / Book Value per Share16465.3x
✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Net income / market capitalization+0.00%; #3183/6340 (top 50.2%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Positive book equity / market capitalization+0.0001; #5252/6449 (top 81.4%)
✗AsnessTop 30% of eligible cross-section
Price / Diluted EPS
✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Book Value per Share Change
✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+0.0001; #5071/5247 (top 96.6%)
✗OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization
✗OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date-8.60%; #3351/6202 (top 54.0%)
✗OshaughnessyTop 10% of eligible cross-section
Verdicts8% pass✓ 1✗ 11▾
Split decision: 11 FAIL · 4 NEUTRAL · 1 BUY
Overall verdict
✗GrahamFAIL (0/7)✗BuffettFAIL (1/6)✗LynchFAIL (1/4)✓PiotroskiBUY (F-Score 6)✗DremanFAIL (2/9)•MungerNEUTRAL (2/3)✗PabraiFAIL (0/3)•AkreNEUTRAL (3/5)✗MarksFAIL (1/4)✗AckmanFAIL (2/8)✗TempletonFAIL (2/8)✗SleepFAIL (1/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (0/6)✗SchlossFAIL (0/7)•OshaughnessyNEUTRAL (Not ranked)
Cash Flow10% pass✓ 2✗ 10▾
9 of 10 flag BMHL's cash flow — Buffett, Lynch, Dreman +6 more
Free Cash Flow Proxy
✗BuffettPositive and growing
FCF Positive and Growing
✗LynchPositive and growing
Operating Cash Flow$0.0M
✓PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=9.37%, ROA=8.98%
✓PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)60274.2x
✗Dreman< 8x
P/E or FCF Yield
✗PabraiP/E < 15 or FCF Yield > 10%
FCF Positive
✗MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap
✗Ackman>= 4%
Price / FCF per Share
✗Ackman<= 25
Positive Operating Cash Flow frequency2/3 years positive
✗SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures
✗Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization
✗OshaughnessyTop 10% of eligible cross-section
Growth13% pass✓ 2✗ 10▾
7 of 8 flag BMHL's growth — Graham, Lynch, Dreman +4 more
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
EPS Growth Direction
✗DremanPositive over recent years
EPS CAGR
✗Dreman> 5% annualized
Positive Net Income Frequency3/3 years positive
✓MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth25.3%
✓Ackman>= 5%
Positive EPS Growth Frequency
✗AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trend
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR
✗SleepCAGR > 7%
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Profitability19% pass✓ 13✗ 22▾
13 of 16 flag BMHL's profitability — Graham, Buffett, Lynch +10 more
Positive EPS (10 years)0/4 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)3/4 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)21.2%
✓Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)
✗BuffettStable or rising over 10 years
Free Cash Flow Proxy
✗BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
ROE26.2%
✓Lynch> 15%
Net Income / Total Assets8.98%
✓PiotroskiROA > 0
ROA Change YoY8.35% -> 8.98% (delta: +0.63%)
✓PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=9.37%, ROA=8.98%
✓PiotroskiCFO/Assets > ROA
Pre-Tax Income / Revenue24.7%
✓Dreman>= 8%
Net Income / Shareholders' Equity26.2%
✓Dreman> 12%
Return on Equity26.2%
✓Munger> 15%✓AkreROE > 20% (3-year avg)
Margin of SafetyP/TBV=16465.3x
✗PabraiP/TBV < 1.5 or P/E < 15
ROE (high and growing)FY2022: ROE=4.7%; FY2023: ROE=32.7%; FY2024: ROE=26.2%
✗AkreLatest 3 consecutive FYs: ROE > 15% in each
Discount to Intrinsic Value
✗Marks>= 20% below intrinsic value
Positive Net Income Frequency3/3 years positive
✓MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue
✗Ackman>= 15%
Net Income / Shareholders Equity26.2%
✓Ackman>= 15%
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trend
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
ROE (5-year)2/3 years above 12% (latest 26.2%)
✓SleepROE > 12% in a majority of years
Net income / market capitalization+0.00%; #3183/6340 (top 50.2%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Gross profit / total assets+17.74%; #2218/3702 (top 59.9%)
✗AsnessTop 30% of eligible cross-section
Net income / positive book equity+26.20%; #555/5226 (top 10.6%)
✓AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA
✗AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Positive Diluted-EPS Years
✗Schloss>= 70% positive over 5-10 observed years (app rule)
Debt & Leverage25% pass✓ 1✗ 4▾
3 of 4 flag BMHL's debt & leverage — Templeton, Asness and Schloss
LT Debt / Total Assets Change0.00% -> 0.00%
✓PiotroskiDecreased YoY
Total Debt / Shareholders' Equity
✗Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✗SchlossD/E < 1.00x
Negative debt-to-equity (higher means less debt)
✗AsnessTop 30% of eligible cross-section
Current Assets / Current Liabilities
✗SchlossCurrent ratio >= 1.50x (app cutoff)

Business & financials

Financial snapshot: annual FY 2024. Current investor scores may use newer quarterly data.

Company Profile

Industry: Banking

SIC Sector: Credit Institutions

Size: Micro Cap($83.2M)

Revenue: $6910.80+64.6% YoY

Net Income: $1296.62+10.2% YoY

Financial Snapshot

Operating Margin--

Return on Equity26.2%

Debt / Equity--

Current Ratio--

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Sector-adjusted criteria: Bank

Leverage is a bank’s business model and current accounts don’t exist on its balance sheet, so debt and liquidity tests are omitted and tangible book value and ROE replace their industrial analogs.

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

Metric	FY 2024 Sources 20-F/A · 2025-08-19	FY 2023 Sources 20-F/A · 2025-08-19	FY 2022 Sources 20-F/A · 2025-08-19	FY 2021 Sources 20-F/A · 2025-08-19
Market Cap	$83.2Mcurrent	--	--	--
Revenue	$6.9K↑65%	$4.2K↓14%	$4.9K	--
Operating Income	--	--	--	--
Net Income	$1.3K↑10%	$1.2K↑957%	$111	--
EPS (Diluted)	--	--	--	--
Gross Margin	37.1%↓31%	54.1%↓27%	74.6%	—
Operating Margin	—	—	—	—
ROE	26.2%↓20%	32.7%↑601%	4.7%	—
Total Debt	--	$108	--	--
Shareholders' Equity	$4.9K↑38%	$3.6K↑51%	$2.4K↑6%	$2.3K
Current Ratio	—	—	—	—
Debt / Equity	—	0.03	—	—
Operating Cash Flow	$1.4K↑373%	-$495↓233%	$372	--
Free Cash Flow	--	--	--	--

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Banking

BMHL vs Peers — Financial Grading

Revenue$6910.80Bottom 25%

Net Income$1296.62Bottom 25%

ROE26.2%Top 25%

D/E—

Op. Margin—

Curr. Ratio—

Company	Market Cap	Price	Revenue	Net Income	ROE	D/E	Op. Margin	Curr. Ratio	Graham	Buffett	Lynch	Piotroski	Dreman
MITSUBISHI UFJ FINANCIAL GROUP INCMUFG	$245.7B	$21.83	$74.2B	$10.8B	8.8%	1.12	19.9%	—	2/7	1/6	1/4	F-Score 5	3/9
AMERICAN EXPRESS COAXP	$215.0B	$320.60	$41.3B	$10.8B	32.4%	1.68	—	—	2/7	3/6	3/4	F-Score 4	3/9
Banco Santander, S.A.SAN	$175.9B	$12.21	—	$16.6B	12.5%	0.02	—	—	2/7	1/6	2/4	F-Score 4	5/9
BARCLAYS BANK PLCATMP	$82.1B	$35.04	$13.1B	$6.3B	7.5%	0.01	—	—	2/7	1/6	0/4	F-Score 7	4/9
BARCLAYS PLCBCS	$76.0B	$22.87	$15.0B	$9.7B	9.2%	0.02	—	—	1/7	0/6	0/4	F-Score 7	2/9
FIRST CITIZENS BANCSHARES INC /DE/FCNCA	$25.7B	$2324.25	$9.5B	$2.2B	9.9%	1.62	—	—	5/7	3/6	1/4	F-Score 5	2/9
KEYCORP /NEW/KEY	$22.7B	$21.46	$7.5B	$1.8B	9.0%	0.49	—	—	2/7	1/6	1/4	F-Score 6	4/9
WEBSTER FINANCIAL CORPWBS	$12.6B	$77.57	$2.9B	$1.0B	10.6%	0.08	50.7%	—	2/7	1/6	1/4	F-Score 7	2/9