Want to see MCAP full AI Analyst Report?
Top Page
MCAP Inc.
(OTC:MCAP)
Select Model
Select Model
Rating:63Neutral
Price Target:
$8.50
▲(6.25% Upside)
Action:Reiterated
Date:07/21/26
MCAP scores as a moderate-quality setup driven primarily by resilient fundamentals (positive revenue growth, consistent net profitability, and a zero-debt balance sheet). The score is held back by meaningful gross-margin compression, uneven cash-flow trends with a notable TTM free-cash-flow pullback, and only neutral-to-mixed technicals (below longer-term moving averages). Valuation is balanced: a higher P/E is partly offset by a strong dividend yield.
Positive Factors
Zero leverage and growing equity
MCAP's zero-debt capital structure and expanding equity base materially reduce financial risk and provide durable funding flexibility for originating and holding mortgage assets. This strengthens resilience to funding stress and supports strategic initiatives or securitizations over the next several months.
Negative Factors
Material gross margin compression
A roughly 16 percentage-point decline in gross margin from 2024 to TTM weakens structural profitability and reduces operating leverage. Persistent compression may reflect pricing, funding cost increases, or mix shifts and will constrain sustainable operating margins and reinvestment capacity over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Zero leverage and growing equity
MCAP's zero-debt capital structure and expanding equity base materially reduce financial risk and provide durable funding flexibility for originating and holding mortgage assets. This strengthens resilience to funding stress and supports strategic initiatives or securitizations over the next several months.
Read all positive factors
MCAP Inc. (MCAP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$193.32M
Dividend Yield4.8%
Average Volume (3M)6.00
Price to Earnings (P/E)40.9
Beta (1Y)-0.15
Revenue Growth27.63%
EPS Growth-26.90%
CountryUS
Employees7
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.20
Shares Outstanding24,165,539
10 Day Avg. Volume0
30 Day Avg. Volume6
Financial Highlights & Ratios
PEG Ratio-0.25
Price to Book (P/B)3.63
Price to Sales (P/S)1.69
P/FCF Ratio7.64
Enterprise Value/Market Cap>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
MCAP Inc. Business Overview & Revenue Model
Company Description
MCAP Inc. functions as a real estate holding firm, primarily dedicated to acquiring undervalued land and properties across the United States. Established in 1995, the company was previously known as MetaCap Inc. before officially changing its name...
How the Company Makes Money
MCAP’s revenue is primarily generated from fees and spreads associated with mortgage origination and mortgage servicing, and from income earned on mortgage-related assets it holds or manages. Key revenue streams typically include: (1) Origination-...
MCAP Inc. Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
60
Neutral
| Breakdown | Mar 2026 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 104.71M | 87.77M | 144.46M | 102.55M |
| Gross Profit | 43.37M | 41.39M | 41.19M | 45.16M |
| EBITDA | 11.14M | 9.43M | 8.82M | 16.37M |
| Net Income | 7.00M | 4.28M | 3.98M | 10.32M |
Balance Sheet | ||||
| Total Assets | 868.54M | 968.30M | 1.48B | 1.43B |
| Cash, Cash Equivalents and Short-Term Investments | 850.12M | 956.17M | 1.47B | 1.43B |
| Total Debt | 0.00 | 0.00 | 1.10M | 6.50M |
| Total Liabilities | 819.86M | 930.82M | 1.45B | 1.41B |
| Stockholders Equity | 48.68M | 37.48M | 26.91M | 19.90M |
Cash Flow | ||||
| Free Cash Flow | 23.13M | -119.49K | 542.51K | 14.31M |
| Operating Cash Flow | 23.44M | -32.72K | -4.91M | 14.67M |
| Investing Cash Flow | -5.94M | -3.51M | 668.48K | -356.73K |
| Financing Cash Flow | -6.29M | 145.12K | -2.93M | 3.59M |
MCAP Inc. Technical Analysis
Positive
8.00
Price Trends
7.94
Positive
8.15
Negative
8.91
Negative
Market Momentum
0.02
Negative
64.53
Neutral
33.10
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCAP, the sentiment is Positive. The current price of 8 is below the 20-day moving average (MA) of 8.01, above the 50-day MA of 7.94, and below the 200-day MA of 8.91, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 64.53 is Neutral, neither overbought nor oversold. The STOCH value of 33.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCAP.
MCAP Inc. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | $193.32M | 40.86 | 34.76% | 4.80% | 27.63% | -26.90% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
48 Neutral | $1.81M | -0.14 | -119.03% | ― | ― | ― | |
48 Neutral | $8.59M | -0.21 | -106.67% | ― | -34.19% | 40.60% | |
46 Neutral | $1.51M | 0.20 | -7.82% | ― | ― | ― |
* Technology Sector Average
MCAP
MCAP Inc.
8.11
-1.52
-15.83%
FRGT
Freight Technologies
3.00
-36.50
-92.41%
AGMH
AGM Group Holdings
1.03
-1.12
-52.09%
CXAI
CXApp
0.14
-0.75
-84.30%
RMSG
Real Messenger
0.41
-1.60
-79.65%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.