Mobivity Holdings (MFON) AI Stock Analysis

Mobivity Holdings

(Other OTC:MFON)

Select Model

Rating:44Neutral

Price Target:$0.11▲(205.71% Upside)

Action:upgraded

Date:01/28/26

The score is primarily pressured by very weak financial performance—massive losses, persistent cash burn, and a stressed balance sheet with negative equity and rising debt. Technicals are bearish overall but show oversold signals that modestly offset the downside risk. Valuation provides limited support due to negative earnings and no dividend yield data.

Positive Factors

Business model & market focusMobivity’s core offering—mobile marketing, loyalty and targeted promotions for retail and restaurants—aligns with a durable structural shift toward digital engagement and personalized offers. That positioning supports recurring service demand and long-term customer-retention use cases if execution scales.

Negative Factors

Highly stressed balance sheetDeep negative equity combined with rising debt and very small asset base creates persistent solvency and covenant risk. Structural capital constraints limit the company’s ability to invest, absorb shocks, or pursue growth without dilutive financing or asset disposals, weakening long-term flexibility.

Mobivity Holdings (MFON) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $2.96M
Dividend Yield: ―
Average Volume (3M): ―
Price to Earnings (P/E): -0.5
Beta (1Y): 0.94
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 28
Sector: Technology
Sector Strength: 61
Industry: Software - Application

Mobivity Holdings Business Overview & Revenue Model

Company Description

Mobivity Holdings Corp., founded in 2008 and based in Chandler, Arizona, develops and operates specialized platforms for executing national, localized, and data-centric marketing initiatives across the United States. Its flagship offering, the Recurr...

How the Company Makes Money

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Mobivity Holdings Earnings Call Summary

Earnings Call Date:Nov 13, 2024(Q3-2024)|% Change Since:-85.11%|Next Earnings Date:May 14, 2019

Earnings Call SentimentPositive

The earnings call highlights significant transformation and growth potential for Mobivity as a pure-play Connected Rewards company, with strong pipeline and operational efficiencies. However, the delay in financial reporting and extended sales cycle pose challenges.

Positive Updates

Transformation into a Pure-Play Connected Rewards Company

Completed the divestiture of legacy SMS marketing business, focusing all resources on the high-growth Connected Rewards platform.

Negative Updates

Delay in Financial Reporting

Filed an extension for Q3 financials due to auditors needing extra time, causing frustration within the company.

Company Guidance

During the Q3 2024 earnings call for Mobivity, the company provided guidance on several key metrics that highlight its strategic transformation into a pure-play connected rewards company. Mobivity reported reaching approximately 13.6 million users with its programs in Q3 alone and over 51 million consumers year-to-date, marking a significant expansion in audience reach. The company completed the divestiture of its legacy SMS marketing business, allowing it to focus on high-growth, high-margin opportunities within the Connected Rewards platform. With a strong pipeline and backlog, Mobivity expressed confidence in its growth trajectory, aiming to achieve profitability in the upcoming months. The company launched six new brands on its platform and emphasized a revenue model driven by audience size, conversion rates, and revenue per action, with expectations for substantial revenue growth in the first half of 2025. These developments, coupled with streamlined operations and technical advancements, position Mobivity to capture a significant share of the $40 billion mobile user acquisition and retention market.

Mobivity Holdings Financial Statement Overview

Summary

Despite a sharp TTM revenue rebound (+32.6%), fundamentals remain very weak: extremely large operating and net losses (net margin around -455%), ongoing negative operating cash flow (TTM about -$6.9M), and a highly stressed balance sheet with deeply negative equity (about -$24.1M) alongside rising debt (~$21.9M).

Income Statement

18Very Negative

Balance Sheet

9Very Negative

Cash Flow

12Very Negative

Financial statement breakdown
Breakdown	TTM	Dec 2024	Mar 2024	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.55M	1.14M	6.98M	7.53M	8.17M	13.26M
Gross Profit	1.22M	630.63K	1.85M	2.21M	3.87M	8.51M
EBITDA	-12.01M	-7.18M	-10.86M	-8.88M	-7.28M	-1.93M
Net Income	-11.61M	-10.23M	-12.06M	-11.11M	-8.53M	-3.21M
Balance Sheet
Total Assets	3.02M	2.56M	2.33M	3.02M	4.44M	8.17M
Cash, Cash Equivalents and Short-Term Investments	1.79M	1.26M	416.39K	426.74K	735.42K	3.28M
Total Debt	21.93M	14.37M	8.70M	6.44M	4.84M	2.21M
Total Liabilities	27.13M	19.72M	12.77M	11.82M	9.72M	6.42M
Stockholders Equity	-24.11M	-17.16M	-10.43M	-8.80M	-5.28M	1.74M
Cash Flow
Free Cash Flow	-6.88M	-6.08M	-8.08M	-6.72M	-4.86M	-1.63M
Operating Cash Flow	-6.88M	-6.07M	-8.07M	-6.69M	-4.48M	-1.33M
Investing Cash Flow	0	-13.33K	-16.25K	-30.27K	-378.47K	-297.19K
Financing Cash Flow	7.89M	6.84M	8.09M	6.46M	2.36M	4.66M

Mobivity Holdings Technical Analysis

Technical Analysis SentimentNegative

Last Price0.04

Price Trends

50DMA0.04Positive

100DMA0.04Negative

200DMA0.06Negative

Market Momentum

MACD-0.00Negative

RSI31.18Neutral

STOCH0.00Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFON, the sentiment is Negative. The current price of 0.04 is below the 20-day moving average (MA) of 0.04, below the 50-day MA of 0.04, and below the 200-day MA of 0.06, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 31.18 is Neutral, neither overbought nor oversold. The STOCH value of 0.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MFON.

Mobivity Holdings Risk Analysis

Mobivity Holdings disclosed 16 risk factors in its most recent earnings report. Mobivity Holdings reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Mobivity Holdings Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

MFON against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
IPM	50Neutral	$14.01M	-1.96	-21.12%	―	―	―
CXAI	44Neutral	$3.11M	-0.04	-135.04%	―	-20.40%	32.15%
MFON	44Neutral	$2.59M	-0.49	26.50%	―	―	―
NTCL	37Underperform	$853.52K	-0.01	-228.97%	―	25.23%	-144.16%
SMSI	29Underperform	$12.69M	-0.64	-84.56%	―	-9.51%	62.16%

* Technology Sector Average

Performance Comparison

MFON and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
MFON	Mobivity Holdings Corp	0.04	-0.21	-85.71%
SMSI	Smith Micro	2.27	-1.24	-35.40%
IPM	Intelligent Protection Management Corp.	1.55	-0.42	-21.32%
CXAI	Cxapp Inc.	1.33	-33.16	-96.14%
NTCL	NetClass Technology Inc Class A	0.40	-58.60	-99.32%

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.

Date of analysis: Jan 28, 2026

Mobivity Holdings AI Stock Analysis