Moatable (MTBLY) AI Stock Analysis

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Moatable

(Other OTC:MTBLY)

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Rating:49Neutral

Price Target:$3.00▲(279.75% Upside)

Action:reiterated

Date:01/31/26

The overall score of 49 reflects mixed fundamentals. Strong revenue growth and solid gross margins are offset by persistent net losses and volatile cash flows. The technical picture shows a long-term uptrend but recent price weakness. Valuation is constrained by the company's lack of profitability. The balance sheet provides some stability, but achieving sustained profitability is critical for future performance.

Positive Factors

Recurring subscription model and strategic partnershipsA subscription and transaction-fee revenue mix with established partnerships creates recurring, predictable revenue and deeper customer integration. Over months this supports higher retention, upsell potential and steadier cash inflows versus one-off services.

Negative Factors

Negative operating cash flowContinued negative operating cash flow is a structural liquidity risk that can force reliance on external financing or equity raises. Over a multi-month horizon this constrains reinvestment in product and sales, and raises execution risk for growth initiatives.

Moatable (MTBLY) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $14.46M
Dividend Yield: ―
Average Volume (3M): 1,400
Price to Earnings (P/E): 0.7
Beta (1Y): -13.03
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 400
Sector: Technology
Sector Strength: 61
Industry: Software - Application

Moatable Business Overview & Revenue Model

Company Description

Moatable, Inc. operates as a software-as-a-service (SaaS) provider with a global footprint, including the United States. The company develops Chime, a comprehensive real estate platform designed to empower professionals throughout the client lifecycl...

How the Company Makes Money

Moatable generates revenue through a subscription-based model for its data analytics platform, where clients pay for access to its services depending on their usage tier. Key revenue streams include monthly and annual subscription fees from shipping...

Moatable Financial Statement Overview

Summary

Revenue growth of 18.4% TTM and gross margin of 74.5% are strengths, but net losses (-3.0% margin) and negative cash flow (-$2.8M TTM) raise concerns. Balance sheet is stable with moderate leverage (Debt/Equity 23.8%) and strong equity ratio (66.7%). Overall financial health is mixed.

Income Statement

55Neutral

Balance Sheet

50Neutral

Cash Flow

40Negative

Financial statement breakdown
Breakdown	TTM	Mar 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	75.16M	63.46M	52.07M	45.81M	32.22M	18.11M
Gross Profit	56.03M	48.31M	40.86M	35.40M	25.38M	14.65M
EBITDA	-1.94M	-1.73M	-13.47M	-65.86M	-44.99M	-15.66M
Net Income	-2.26M	-2.14M	-8.99M	-76.91M	-113.68M	-19.22M
Balance Sheet
Total Assets	70.38M	69.47M	69.70M	95.66M	170.18M	213.67M
Cash, Cash Equivalents and Short-Term Investments	22.05M	31.62M	38.97M	51.96M	65.25M	34.09M
Total Debt	11.17M	1.24M	650.00K	301.00K	2.35M	15.00M
Total Liabilities	38.09M	24.71M	21.63M	28.94M	33.16M	84.93M
Stockholders Equity	46.92M	59.25M	62.76M	80.60M	149.64M	105.16M
Cash Flow
Free Cash Flow	-2.75M	906.00K	-4.19M	-11.44M	-19.08M	-11.95M
Operating Cash Flow	-2.44M	1.30M	-3.17M	-3.82M	-18.98M	-11.72M
Investing Cash Flow	-2.76M	-8.92M	22.98M	-33.48M	58.04M	32.80M
Financing Cash Flow	-1.52M	794.00K	-8.90M	-1.45M	-11.18M	-1.46M

Moatable Technical Analysis

Technical Analysis SentimentPositive

Last Price0.79

Price Trends

50DMA0.69Positive

100DMA0.57Positive

200DMA0.96Negative

Market Momentum

MACD0.03Positive

RSI99.23Negative

STOCH100.00Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MTBLY, the sentiment is Positive. The current price of 0.79 is above the 20-day moving average (MA) of 0.76, above the 50-day MA of 0.69, and below the 200-day MA of 0.96, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 99.23 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MTBLY.

Moatable Risk Analysis

Moatable disclosed 63 risk factors in its most recent earnings report. Moatable 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

Moatable Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

MTBLY against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NTWK	70Outperform	$63.17M	10.80	13.96%	―	13.94%	1032.68%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MTBLY	49Neutral	$12.97M	0.66	-1.65%	―	―	―
INLX	47Neutral	$16.81M	-6.40	-26.24%	―	-2.01%	-52.42%
AWRE	44Neutral	$20.45M	-2.42	-36.87%	―	-9.81%	-45.08%
SURG	44Neutral	$8.74M	-0.09	193.81%	―	83.91%	38.02%

* Technology Sector Average

Performance Comparison

MTBLY and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
MTBLY	Moatable, Inc.	0.79	-1.72	-68.53%
AWRE	Aware Inc.	0.93	-1.30	-58.30%
NTWK	Netsol	5.02	2.16	75.52%
INLX	Intellinetics, Inc.	3.75	-5.29	-58.52%
SURG	Surgepays Inc	0.14	-1.76	-92.58%

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 31, 2026

Moatable AI Stock Analysis