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SPECTRAL AI INC (MDAI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:MDAI - US84757T1051 - Common Stock

1.49 USD
-0.11 (-6.88%)
Last: 12/15/2025, 7:21:29 PM
1.5292 USD
+0.04 (+2.63%)
After Hours: 12/15/2025, 7:21:29 PM
Fundamental Rating

0

MDAI gets a fundamental rating of 0 out of 10. The analysis compared the fundamentals against 187 industry peers in the Health Care Equipment & Supplies industry. MDAI may be in some trouble as it scores bad on both profitability and health. MDAI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year MDAI has reported negative net income.
In the past year MDAI has reported a negative cash flow from operations.
MDAI had negative earnings in 4 of the past 5 years.
In the past 5 years MDAI always reported negative operating cash flow.
MDAI Yearly Net Income VS EBIT VS OCF VS FCFMDAI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 10M -10M -20M

1.2 Ratios

MDAI's Return On Assets of -106.96% is on the low side compared to the rest of the industry. MDAI is outperformed by 81.28% of its industry peers.
Industry RankSector Rank
ROA -106.96%
ROE N/A
ROIC N/A
ROA(3y)-41.51%
ROA(5y)-25.07%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MDAI Yearly ROA, ROE, ROICMDAI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 500 1K

1.3 Margins

With a Gross Margin value of 45.01%, MDAI is not doing good in the industry: 62.03% of the companies in the same industry are doing better.
MDAI does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 45.01%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MDAI Yearly Profit, Operating, Gross MarginsMDAI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 -50 -100

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2. Health

2.1 Basic Checks

MDAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MDAI has been increased compared to 1 year ago.
The debt/assets ratio for MDAI is higher compared to a year ago.
MDAI Yearly Shares OutstandingMDAI Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M
MDAI Yearly Total Debt VS Total AssetsMDAI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

MDAI has an Altman-Z score of -4.23. This is a bad value and indicates that MDAI is not financially healthy and even has some risk of bankruptcy.
MDAI has a worse Altman-Z score (-4.23) than 68.45% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -4.23
ROIC/WACCN/A
WACC8.55%
MDAI Yearly LT Debt VS Equity VS FCFMDAI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

MDAI has a Current Ratio of 0.85. This is a bad value and indicates that MDAI is not financially healthy enough and could expect problems in meeting its short term obligations.
MDAI has a Current ratio of 0.85. This is amonst the worse of the industry: MDAI underperforms 89.84% of its industry peers.
A Quick Ratio of 0.83 indicates that MDAI may have some problems paying its short term obligations.
The Quick ratio of MDAI (0.83) is worse than 82.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.85
Quick Ratio 0.83
MDAI Yearly Current Assets VS Current LiabilitesMDAI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 5M 10M 15M

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3. Growth

3.1 Past

MDAI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.85%.
MDAI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.02%.
EPS 1Y (TTM)-13.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.5%
Revenue 1Y (TTM)-15.02%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-53.6%

3.2 Future

MDAI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.14% yearly.
Based on estimates for the next years, MDAI will show a small growth in Revenue. The Revenue will grow by 5.34% on average per year.
EPS Next Y42.93%
EPS Next 2Y12.58%
EPS Next 3Y4.4%
EPS Next 5Y19.14%
Revenue Next Year-35.46%
Revenue Next 2Y-29.93%
Revenue Next 3Y-7%
Revenue Next 5Y5.34%

3.3 Evolution

MDAI Yearly Revenue VS EstimatesMDAI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 50M 100M 150M
MDAI Yearly EPS VS EstimatesMDAI Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2029 2030 2031 0 0.5 -0.5 1 -1

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4. Valuation

4.1 Price/Earnings Ratio

MDAI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year MDAI 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
MDAI Price Earnings VS Forward Price EarningsMDAI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MDAI Per share dataMDAI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.58%
EPS Next 3Y4.4%

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5. Dividend

5.1 Amount

No dividends for MDAI!.
Industry RankSector Rank
Dividend Yield 0%

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SPECTRAL AI INC

NASDAQ:MDAI (12/15/2025, 7:21:29 PM)

After market: 1.5292 +0.04 (+2.63%)

1.49

-0.11 (-6.88%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Equipment & Supplies
Earnings (Last)11-11 2025-11-11/amc
Earnings (Next)03-25 2026-03-25/amc
Inst Owners6.68%
Inst Owner Change-22.97%
Ins Owners25.17%
Ins Owner Change0%
Market Cap45.73M
Revenue(TTM)23.17M
Net Income(TTM)-16.36M
Analysts85
Price Target5.47 (267.11%)
Short Float %7.14%
Short Ratio2.39
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0
Avg EPS beat(2)-183.7%
Min EPS beat(2)-314.46%
Max EPS beat(2)-52.95%
EPS beat(4)1
Avg EPS beat(4)-104.85%
Min EPS beat(4)-314.46%
Max EPS beat(4)182.96%
EPS beat(8)4
Avg EPS beat(8)-42.37%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-17.37%
Min Revenue beat(2)-25.01%
Max Revenue beat(2)-9.73%
Revenue beat(4)2
Avg Revenue beat(4)-0.13%
Min Revenue beat(4)-25.01%
Max Revenue beat(4)25.25%
Revenue beat(8)4
Avg Revenue beat(8)1.49%
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)10.28%
PT rev (3m)10.28%
EPS NQ rev (1m)-33.34%
EPS NQ rev (3m)-33.34%
EPS NY rev (1m)-22.08%
EPS NY rev (3m)-22.08%
Revenue NQ rev (1m)-37.72%
Revenue NQ rev (3m)-37.72%
Revenue NY rev (1m)-14.06%
Revenue NY rev (3m)-14.06%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.97
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.74
EYN/A
EPS(NY)-0.62
Fwd EYN/A
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS0.75
BVpS-0.27
TBVpS-0.27
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -106.96%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 45.01%
FCFM N/A
ROA(3y)-41.51%
ROA(5y)-25.07%
ROE(3y)N/A
ROE(5y)N/A
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-Score2
Asset Turnover1.51
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.85
Quick Ratio 0.83
Altman-Z -4.23
F-Score2
WACC8.55%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
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)-13.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.5%
EPS Next Y42.93%
EPS Next 2Y12.58%
EPS Next 3Y4.4%
EPS Next 5Y19.14%
Revenue 1Y (TTM)-15.02%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-53.6%
Revenue Next Year-35.46%
Revenue Next 2Y-29.93%
Revenue Next 3Y-7%
Revenue Next 5Y5.34%
EBIT growth 1Y11.05%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year51.4%
EBIT Next 3Y46.05%
EBIT Next 5Y19.67%
FCF growth 1Y38.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.88%
OCF growth 3YN/A
OCF growth 5YN/A

SPECTRAL AI INC / MDAI FAQ

Can you provide the ChartMill fundamental rating for SPECTRAL AI INC?

ChartMill assigns a fundamental rating of 0 / 10 to MDAI.


What is the valuation status of SPECTRAL AI INC (MDAI) stock?

ChartMill assigns a valuation rating of 0 / 10 to SPECTRAL AI INC (MDAI). This can be considered as Overvalued.


Can you provide the profitability details for SPECTRAL AI INC?

SPECTRAL AI INC (MDAI) has a profitability rating of 0 / 10.


Can you provide the financial health for MDAI stock?

The financial health rating of SPECTRAL AI INC (MDAI) is 0 / 10.