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MARPAI INC-CLASS A (MRAI) Stock Fundamental Analysis

USA - NASDAQ:MRAI - US5713542083 - Common Stock

0.9 USD
-1.04 (-53.61%)
Last: 5/28/2024, 8:00:01 PM
0.9004 USD
+0 (+0.04%)
After Hours: 5/28/2024, 8:00:01 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to MRAI. MRAI was compared to 146 industry peers in the Insurance industry. MRAI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, MRAI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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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.
MRAI Yearly Net Income VS EBIT VS OCF VS FCFMRAI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 -10M -20M -30M

1.2 Ratios

With a Return On Assets value of -80.54%, MRAI is not doing good in the industry: 97.81% of the companies in the same industry are doing better.
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
MRAI Yearly ROA, ROE, ROICMRAI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 200 -200 -400

1.3 Margins

With an excellent Gross Margin value of 34.90%, MRAI belongs to the best of the industry, outperforming 91.97% of the companies in the same industry.
MRAI 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 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
MRAI Yearly Profit, Operating, Gross MarginsMRAI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 -50 -100

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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.
MRAI Yearly Shares OutstandingMRAI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2M 4M 6M
MRAI Yearly Total Debt VS Total AssetsMRAI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 10M 20M 30M 40M

2.2 Solvency

MRAI has an Altman-Z score of -5.04. This is a bad value and indicates that MRAI is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of -5.04, MRAI is doing good in the industry, outperforming 65.69% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -5.04
ROIC/WACCN/A
WACC6.4%
MRAI Yearly LT Debt VS Equity VS FCFMRAI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 20M -20M

2.3 Liquidity

MRAI has a Current Ratio of 0.82. This is a bad value and indicates that MRAI is not financially healthy enough and could expect problems in meeting 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 78.10% 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.
The Quick ratio of MRAI (0.82) is better than 78.10% of its industry peers.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82
MRAI Yearly Current Assets VS Current LiabilitesMRAI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

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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.
MRAI shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.44%.
EPS 1Y (TTM)45.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%70.51%
Revenue 1Y (TTM)25.44%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales 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 38.31% yearly.
Based on estimates for the next years, MRAI will show a very strong growth in Revenue. The Revenue will grow by 38.93% on average per year.
EPS Next Y66.51%
EPS Next 2Y38.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.59%
Revenue Next 2Y38.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

MRAI Yearly Revenue VS EstimatesMRAI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 20M 40M 60M
MRAI Yearly EPS VS EstimatesMRAI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 -1 -2 -3 -4 -5

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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
MRAI Price Earnings VS Forward Price EarningsMRAI 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
MRAI Per share dataMRAI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

4.3 Compensation for Growth

A more expensive valuation may be justified as MRAI's earnings are expected to grow with 38.31% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y38.31%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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MARPAI INC-CLASS A

NASDAQ:MRAI (5/28/2024, 8:00:01 PM)

After market: 0.9004 +0 (+0.04%)

0.9

-1.04 (-53.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-09 2024-05-09/amc
Earnings (Next)08-01 2024-08-01/amc
Inst OwnersN/A
Inst Owner Change0%
Ins Owners42.01%
Ins Owner Change22.14%
Market Cap9.28M
Revenue(TTM)34.87M
Net Income(TTM)-24.23M
Analysts82.86
Price Target6.12 (580%)
Short Float %0.1%
Short Ratio0.02
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)-9.41%
Min Revenue beat(2)-16.78%
Max Revenue beat(2)-2.05%
Revenue beat(4)2
Avg Revenue beat(4)0.29%
Min Revenue beat(4)-16.78%
Max Revenue beat(4)19.46%
Revenue beat(8)5
Avg Revenue beat(8)0.66%
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)-50%
EPS NQ rev (1m)-13.33%
EPS NQ rev (3m)-155%
EPS NY rev (1m)0.68%
EPS NY rev (3m)-356.25%
Revenue NQ rev (1m)-14.29%
Revenue NQ rev (3m)-67.72%
Revenue NY rev (1m)-12.49%
Revenue NY rev (3m)-61.59%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.27
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-3.16
EYN/A
EPS(NY)-0.39
Fwd EYN/A
FCF(TTM)-1.24
FCFYN/A
OCF(TTM)-1.24
OCFYN/A
SpS3.38
BVpS-1.41
TBVpS-2.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -80.54%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 34.9%
FCFM 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
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-Score3
Asset Turnover1.16
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 0.82
Quick Ratio 0.82
Altman-Z -5.04
F-Score3
WACC6.4%
ROIC/WACCN/A
Cap/Depr(3y)38.73%
Cap/Depr(5y)574.66%
Cap/Sales(3y)5.4%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)45.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%70.51%
EPS Next Y66.51%
EPS Next 2Y38.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.44%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-23.65%
Revenue Next Year-2.59%
Revenue Next 2Y38.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year75.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y56.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y55.31%
OCF growth 3YN/A
OCF growth 5YN/A

MARPAI INC-CLASS A / MRAI FAQ

Can you provide the ChartMill fundamental rating for MARPAI INC-CLASS A?

ChartMill assigns a fundamental rating of 2 / 10 to MRAI.


Can you provide the valuation status for MARPAI INC-CLASS A?

ChartMill assigns a valuation rating of 1 / 10 to MARPAI INC-CLASS A (MRAI). This can be considered as Overvalued.


How profitable is MARPAI INC-CLASS A (MRAI) stock?

MARPAI INC-CLASS A (MRAI) has a profitability rating of 1 / 10.