MARPAI INC-CLASS A (MRAI)

US5713542083 - Common Stock

1.9501  -0.15 (-7.14%)

Fundamental Rating

2

Overall MRAI gets a fundamental rating of 2 out of 10. We evaluated MRAI against 140 industry peers in the Insurance industry. Both the profitability and financial health of MRAI have multiple concerns. MRAI is valied quite expensively at the moment, while it does show a decent growth rate.



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1

1. Profitability

1.1 Basic Checks

In the past year MRAI has reported negative net income.
In the past year MRAI has reported a negative cash flow from operations.
MRAI had negative earnings in each of the past 5 years.
MRAI had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

MRAI has a Return On Assets of -80.54%. This is amonst the worse of the industry: MRAI underperforms 98.56% of its industry peers.
Industry RankSector Rank
ROA -80.54%
ROE N/A
ROIC N/A
ROA(3y)-59.97%
ROA(5y)-55.71%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

MRAI has a better Gross Margin (34.90%) than 92.09% of its industry peers.
The Profit Margin and Operating Margin are not available for MRAI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 34.9%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

MRAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MRAI has more shares outstanding
Compared to 1 year ago, MRAI has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -4.87, we must say that MRAI is in the distress zone and has some risk of bankruptcy.
MRAI has a Altman-Z score of -4.87. This is in the better half of the industry: MRAI outperforms 65.47% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -4.87
ROIC/WACCN/A
WACC6.65%

2.3 Liquidity

A Current Ratio of 0.82 indicates that MRAI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.82, MRAI is in the better half of the industry, outperforming 76.26% of the companies in the same industry.
A Quick Ratio of 0.82 indicates that MRAI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.82, MRAI is in the better half of the industry, outperforming 76.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82

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5

3. Growth

3.1 Past

MRAI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.44%, which is quite impressive.
Looking at the last year, MRAI shows a very strong growth in Revenue. The Revenue has grown by 25.44%.
EPS 1Y (TTM)45.44%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q70.51%
Revenue 1Y (TTM)25.44%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-23.65%

3.2 Future

MRAI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.14% yearly.
The Revenue is expected to grow by 47.28% on average over the next years. This is a very strong growth
EPS Next Y66.28%
EPS Next 2Y38.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.32%
Revenue Next 2Y47.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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1

4. Valuation

4.1 Price/Earnings Ratio

MRAI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for MRAI. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as MRAI's earnings are expected to grow with 38.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y38.14%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MRAI!.
Industry RankSector Rank
Dividend Yield N/A

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MARPAI INC-CLASS A

NASDAQ:MRAI (5/20/2024, 9:50:07 AM)

1.9501

-0.15 (-7.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap20.09M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -80.54%
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM 34.9%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.16
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 0.82
Quick Ratio 0.82
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)45.44%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y66.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)25.44%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y