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CARDIOL THERAPEUTICS INC-A (CRDL.CA) Stock Fundamental Analysis

Canada - Toronto Stock Exchange - TSX:CRDL - CA14161Y2006 - Common Stock

1.43 CAD
+0.1 (+7.52%)
Last: 12/5/2025, 7:00:00 PM
Fundamental Rating

1

CRDL gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 31 industry peers in the Pharmaceuticals industry. The financial health of CRDL is average, but there are quite some concerns on its profitability. CRDL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

CRDL had negative earnings in the past year.
CRDL had a negative operating cash flow in the past year.
In the past 5 years CRDL always reported negative net income.
In the past 5 years CRDL always reported negative operating cash flow.
CRDL.CA Yearly Net Income VS EBIT VS OCF VS FCFCRDL.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 -10M -20M -30M -40M

1.2 Ratios

The Return On Assets of CRDL (-268.65%) is worse than 90.32% of its industry peers.
The Return On Equity of CRDL (-363.82%) is worse than 83.87% of its industry peers.
Industry RankSector Rank
ROA -268.65%
ROE -363.82%
ROIC N/A
ROA(3y)-80.54%
ROA(5y)-81.5%
ROE(3y)-102.38%
ROE(5y)-100.84%
ROIC(3y)N/A
ROIC(5y)N/A
CRDL.CA Yearly ROA, ROE, ROICCRDL.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 -50 -100 -150

1.3 Margins

CRDL does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CRDL.CA Yearly Profit, Operating, Gross MarginsCRDL.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 -10K -20K -30K -40K

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4

2. Health

2.1 Basic Checks

CRDL has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CRDL has been increased compared to 5 years ago.
The debt/assets ratio for CRDL is higher compared to a year ago.
CRDL.CA Yearly Shares OutstandingCRDL.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CRDL.CA Yearly Total Debt VS Total AssetsCRDL.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

2.2 Solvency

CRDL has an Altman-Z score of -5.42. This is a bad value and indicates that CRDL is not financially healthy and even has some risk of bankruptcy.
CRDL has a worse Altman-Z score (-5.42) than 80.65% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that CRDL is not too dependend on debt financing.
CRDL has a better Debt to Equity ratio (0.01) than 80.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z -5.42
ROIC/WACCN/A
WACCN/A
CRDL.CA Yearly LT Debt VS Equity VS FCFCRDL.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

CRDL has a Current Ratio of 3.89. This indicates that CRDL is financially healthy and has no problem in meeting its short term obligations.
CRDL's Current ratio of 3.89 is amongst the best of the industry. CRDL outperforms 90.32% of its industry peers.
CRDL has a Quick Ratio of 3.89. This indicates that CRDL is financially healthy and has no problem in meeting its short term obligations.
CRDL has a better Quick ratio (3.89) than 90.32% of its industry peers.
Industry RankSector Rank
Current Ratio 3.89
Quick Ratio 3.89
CRDL.CA Yearly Current Assets VS Current LiabilitesCRDL.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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1

3. Growth

3.1 Past

CRDL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.07%, which is quite impressive.
EPS 1Y (TTM)24.07%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

The Earnings Per Share is expected to grow by 26.87% on average over the next years. This is a very strong growth
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y38%
EPS Next 2Y-5.51%
EPS Next 3Y19.04%
EPS Next 5Y26.87%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CRDL.CA Yearly Revenue VS EstimatesCRDL.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2027 2028 2029 2030 2031 2032 100M 200M 300M 400M 500M
CRDL.CA Yearly EPS VS EstimatesCRDL.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 1 2

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4. Valuation

4.1 Price/Earnings Ratio

CRDL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year CRDL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CRDL.CA Price Earnings VS Forward Price EarningsCRDL.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRDL.CA Per share dataCRDL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -0.2 -0.4

4.3 Compensation for Growth

A more expensive valuation may be justified as CRDL's earnings are expected to grow with 19.04% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.51%
EPS Next 3Y19.04%

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0

5. Dividend

5.1 Amount

CRDL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARDIOL THERAPEUTICS INC-A

TSX:CRDL (12/5/2025, 7:00:00 PM)

1.43

+0.1 (+7.52%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupPharmaceuticals, Biotechnology & Life Sciences
GICS IndustryPharmaceuticals
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)03-30 2026-03-30/amc
Inst Owners11.32%
Inst Owner ChangeN/A
Ins Owners4.3%
Ins Owner ChangeN/A
Market Cap142.27M
Revenue(TTM)N/A
Net Income(TTM)-34.78M
Analysts82.5
Price Target9.95 (595.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.21%
Min EPS beat(2)-30.72%
Max EPS beat(2)18.3%
EPS beat(4)3
Avg EPS beat(4)12.55%
Min EPS beat(4)-30.72%
Max EPS beat(4)32.64%
EPS beat(8)5
Avg EPS beat(8)3.01%
EPS beat(12)9
Avg EPS beat(12)9.06%
EPS beat(16)13
Avg EPS beat(16)12.38%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-11.36%
EPS NQ rev (1m)-14.29%
EPS NQ rev (3m)-14.29%
EPS NY rev (1m)15.07%
EPS NY rev (3m)15.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B 14.88
P/tB 14.88
EV/EBITDA N/A
EPS(TTM)-0.41
EYN/A
EPS(NY)-0.57
Fwd EYN/A
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.24
OCFYN/A
SpS0
BVpS0.1
TBVpS0.1
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -268.65%
ROE -363.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-80.54%
ROA(5y)-81.5%
ROE(3y)-102.38%
ROE(5y)-100.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 22.17%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.89
Quick Ratio 3.89
Altman-Z -5.42
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)21.14%
Cap/Depr(5y)17.07%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.07%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y38%
EPS Next 2Y-5.51%
EPS Next 3Y19.04%
EPS Next 5Y26.87%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.33%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year23.92%
EBIT Next 3Y13.88%
EBIT Next 5Y25.41%
FCF growth 1Y12.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.36%
OCF growth 3YN/A
OCF growth 5YN/A

CARDIOL THERAPEUTICS INC-A / CRDL.CA FAQ

What is the ChartMill fundamental rating of CARDIOL THERAPEUTICS INC-A (CRDL.CA) stock?

ChartMill assigns a fundamental rating of 1 / 10 to CRDL.CA.


What is the valuation status for CRDL stock?

ChartMill assigns a valuation rating of 0 / 10 to CARDIOL THERAPEUTICS INC-A (CRDL.CA). This can be considered as Overvalued.


Can you provide the profitability details for CARDIOL THERAPEUTICS INC-A?

CARDIOL THERAPEUTICS INC-A (CRDL.CA) has a profitability rating of 0 / 10.


How financially healthy is CARDIOL THERAPEUTICS INC-A?

The financial health rating of CARDIOL THERAPEUTICS INC-A (CRDL.CA) is 4 / 10.


What is the earnings growth outlook for CARDIOL THERAPEUTICS INC-A?

The Earnings per Share (EPS) of CARDIOL THERAPEUTICS INC-A (CRDL.CA) is expected to grow by 38% in the next year.