Bumble Inc (BMBL)
🔔 Watch stock
symbol.quality_heading
We found at least one documented issue that threatens the company itself — regardless of how the stock is currently valued.
Red here expressly does not signal a payment problem — $245.6 million of cash as of March 31, 2026, total equity of $735.2 million and leverage of roughly one and a half times adjusted EBITDA against a 3.00:1.00 covenant all argue otherwise. Red stands for three documented findings about the substance of the business. Paying users fell 21.1 percent to 3.17 million in the first quarter of 2026 while selling and marketing expense had already been cut by more than half. The company itself wrote down its goodwill and brand assets by $1,931.2 million over two years ($892.2 million in 2024 and $1,039.0 million in 2025). And the credit market repriced the borrower: on April 24, 2026 rates of 6.52 and 7.02 percent became a spread of 8.00 percentage points over the reference rate, with amortization of 12.5 percent a year instead of 1.00 percent. The business is not worthless — it throws off cash and carries a decent balance sheet. But the question of substance has been documented, and in case of doubt the more cautious level applies. The decision is yours.
symbol.quality_note
Bumble sits near the top of our in-house P/FCF ranking: the market values the company at barely more than one and a half years of its own free cash flow. Filings with the U.S. securities regulator, the SEC, show why that number tells half the story. Market capitalization counts 130.4 million Class A shares — the cash flow belongs to a group with 151.6 million units. The $341.9 million of net debt never enters the ratio at all. And in 2025 some $185.7 million went to Blackstone, the founder and other pre-IPO owners, so the cash pile shrank despite $238.7 million of free cash flow. Since April 2026 the new loan costs Term SOFR plus 8.00 percentage points and amortizes at 12.5 percent a year instead of 1.0. Not investment advice — just the question of who actually owns this cash flow.
Read the analysis
Stock Watch
This analysis is as of July 27, 2026. Stock Watch will tell you what's changed at BMBL since then.
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Appears in These Scanners
This stock currently matches 5 of our scanner strategies — each hit links to the scanner.
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 2.90 $ — 4% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
ThreatenedBumble erzielt keinen Umsatz mit KI-Produkten, benennt im Geschäftsbericht 2025 aber konkret die Gefahr, dass Wettbewerber mit künstlicher Intelligenz im Dating-Markt schneller skalieren und das eigene Modell verdrängen.
View the full file — quotes, sources, reviewed filings
„It is possible that a new product or service could gain rapid scale at the expense of existing brands through harnessing a new technology (such as artificial intelligence), or a new or existing distribution channel, creating a new or different approach to connecting people or some other means."
Es ist möglich, dass ein neues Produkt oder ein neuer Dienst auf Kosten bestehender Marken rasch Größe gewinnt, indem es eine neue Technologie (etwa künstliche Intelligenz) oder einen neuen oder bestehenden Vertriebsweg nutzt und damit einen neuen oder anderen Ansatz schafft, Menschen zusammenzubringen.
„Our competitors may incorporate AI into their services more quickly or more successfully than us, which could impair our ability to compete effectively."
Unsere Wettbewerber könnten künstliche Intelligenz schneller oder erfolgreicher in ihre Dienste einbauen als wir, was unsere Fähigkeit beeinträchtigen könnte, wirksam zu konkurrieren.
Filings Reviewed: 10-Q 2026-05-06 · 10-Q 2025-11-07 · 10-Q 2025-08-07 · 10-Q 2025-05-12 · 10-K 2026-03-16 · 10-K 2025-02-28
Rated on July 27, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 49.7% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 17
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 0.95 | 0.67 – 1.23 | 844 | -70.2% | 2 |
| 12/31/2027 | 0.92 | 0.64 – 1.19 | 829 | -3.7% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.25 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.04 | – | 262 | -4.40 | 1.60 | -6 | -9 |
| 2025: Q1 | 0.13 | -33.20 | 247 | -7.70 | 5.40 | 43 | 41 |
| 2025: Q2 | -2.41 | -1,211.90 | 248 | -7.60 | -102.20 | 71 | 68 |
| 2025: Q3 | 0.36 | – | 246 | -10.00 | 15.20 | 77 | 74 |
| 2025: Q4 | -4.75 | -12,404.10 | 224 | -14.30 | -222.80 | 59 | 56 |
| 2026: Q1 | 0.43 | 236.30 | 212 | -14.10 | 21.30 | 77 | 74 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2018 | 360 | -16 | -22 | -0.19 | 72 | -27 | 117 |
| 2019 | 489 | 93 | 66 | 0.57 | 101 | 24 | 210 |
| 2020 | 582 | -12 | -145 | -1.32 | 56 | 2,084 | 3,637 |
| 2021 | 761 | -30 | 310 | 2.40 | 105 | 1,608 | 3,777 |
| 2022 | 904 | 8 | -80 | -0.62 | 133 | 1,628 | 3,693 |
| 2023 | 1,052 | 45 | -4 | -0.03 | 182 | 1,635 | 3,625 |
| 2024 | 1,072 | 258 | -557 | -4.61 | 123 | 825 | 2,525 |
| 2025 | 966 | 254 | -693 | -6.29 | 250 | 560 | 1,414 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Assessment: Opportunities & Risks
Free cash flow rose to $238.7 million in 2025 (2024: $114.1 million) and adjusted EBITDA to $313.6 million at a 32.5% margin. The first quarter of 2026 added $73.8 million of free cash flow and $52.6 million of net earnings. The money is real and it arrives.
Paying users fell 21.1 percent to 3.17 million in the first quarter of 2026 and revenue fell 14.1 percent to $212.4 million. The jump in cash flow came from the cost knife: selling and marketing expense of $165.5 million against $261.2 million (2025 versus 2024) and $27.0 million against $59.7 million in the first quarter. A subscription business without new payers is an expiring contract.
The P/FCF of 1.6 in the ranking (as of July 27, 2026) counts only 130.4 million Class A shares and ignores $341.9 million of net debt. Using all 151,638,183 units and adding the debt, the ratio is roughly 3.2 — double. Buying on that number alone means buying half a calculation.
Since April 24, 2026 the $475.0 million term loan costs Term SOFR plus 8.00 percentage points instead of 6.52 and 7.02 percent, and mandatory amortization jumps from 1.00 percent a year to 12.5 percent, then 15.0 percent. Roughly $59.4 million of annual amortization stands against $238.7 million of free cash flow, plus prepayments out of excess cash flow.
Blackstone is selling its remaining 22,432,496 shares (17.2% as of June 18, 2026) through forward transactions with UBS running to the first half of 2027 at the latest; the first two quarterly settlements priced at $3.51 and $3.7751. The Blackstone board representative resigned effective June 30, 2026. A predictable supply overhang remains.
As of March 31, 2026, $245.6 million of cash stands against $587.5 million of debt, with total equity of $735.2 million. The new $475.0 million of borrowings equals roughly one and a half times adjusted EBITDA of $313.6 million against a 3.00:1.00 covenant. The $732.7 million of goodwill, however, is what survived impairments of $892.2 million in 2024 and $1,039.0 million in 2025, and the accumulated deficit stands at $1,349.0 million.
Bumble is a textbook case of what a single valuation metric leaves out. The $238.7 million of free cash flow in 2025 is real, the margins are high and the balance-sheet lights are green. But the market capitalization in the ranking counts one of two ownership classes, the $341.9 million of net debt never enters the ratio, and in the same year $185.7 million left for Blackstone, the founder and other pre-IPO owners while the cash pile shrank. Honestly calculated the ratio is roughly 3.2 rather than 1.6 — attached to a business that lost a fifth of its paying users in the first quarter of 2026 and whose new financing has priced eight percentage points over the reference rate since April 2026. Not investment advice.
- The hook for this analysis is our in-house stock scanner, specifically the P/FCF ranking. Measured by us on July 27, 2026: 544 hits in the English list, last recalculated on July 26, 2026. With the U.S. market filter the page shows 25 rows; Bumble is not among them but ranks 29th at a ratio of 1.6. The lists are recalculated daily, so the placement is a snapshot rather than a permanent state.
- Data basis: annual figures from the Form 10-K for 2025 (filed March 16, 2026), quarterly figures from the Form 10-Q as of March 31, 2026 (filed May 6, 2026), financing terms from the Form 8-K of April 24, 2026, and ownership data from the Schedule 13D amendments of December 1, 2025, March 19, 2026 and June 18, 2026. The valuation anchor is the closing price of $2.80 on July 24, 2026 — a dated anchor, not a reason to buy.
- Easily confused: Bumble Inc. is the listed managing entity, while the operating business sits in Buzz Holdings L.P. Free cash flow arises there and belongs proportionally to the noncontrolling holders as well — 14.1 percent of net earnings in the first quarter of 2026. No takeover, take-private or merger was pending through July 27, 2026.
About the Company
Bumble Inc. provides online dating and social networking applications in North America, Europe, internationally.
| Employees | 580 |
|---|---|
| Headquarters | Austin, TX |
| Address | 1105 West 41st Street, 78756 Austin, United States |
| Phone | 512 696 1409 |
| Website | bumble.com |
| IPO Date | 11. Feb 2021 |
| ISIN | US12047B1052 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Whitney Wolfe Herd | Founder, CEO & Director | 1990 |
| Kevin D. Cook | Chief Financial Officer & Principal Financial Officer | 1965 |
| Deirdre Larkin Runnette | Chief Legal Officer & Secretary | 1969 |
| Amy Kossover | Chief Accounting Officer | 1962 |
| Vivek Sagi | Chief Product & Technology Officer | 1977 |
| William Paul Taveras | Head of Investor Relations | – |
| Neela Pal | Chief Marketing Officer | – |
| David Ard | Chief People Officer | – |
| Julie Radford | Chief Communications & Corporate Affairs Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.