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MMTec (MTC) AI Stock Analysis
MMTec
(NASDAQ:MTC)
MTC scores low overall, driven primarily by extremely weak fundamentals: negative revenue and gross profit in FY2025, a $56M net loss, a balance sheet that has shrunk from $157M to $18.4M in assets with equity down more than 88%, and persistent negative free cash flow. These conditions imply meaningful going-concern and dilution risk. Partially offsetting this is strong near-term price momentum, with the stock trading above all key moving averages and a positive MACD, though overbought RSI and stochastic readings suggest the rally may be extended. Valuation provides no cushion given negative earnings and no dividend. The result is a speculative, high-risk profile where momentum is running well ahead of deteriorating fundamentals.
MMTec (MTC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $491.96M
- Dividend Yield
- ―
- Average Volume (3M)
- 21.13K
- Price to Earnings (P/E)
- -19.3
- Beta (1Y)
- 0.10
- Revenue Growth
- ―
- EPS Growth
- 97.42%
- Country
- US
- Employees
- 31
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Capital Markets
MMTec Business Overview & Revenue Model
Company Description
MMTec, Inc., together with its subsidiaries, develops and deploys platforms that enable financial institutions to engage in securities market transactions and settlements worldwide. It operates in two segments: Gujia, MM Future, HC Securities; and MM...
How the Company Makes Money
MMTec generates revenue primarily by providing financial-technology solutions and related services to institutional participants in financial markets. Key revenue streams generally come from: (1) fees for the use of its software platforms (e.g., plat...
MMTec Financial Statement Overview
Summary
Financials are severely impaired across all three statements. The income statement (score 3/100) shows negative total revenue of -$20.5M in FY2025, negative gross profit of -$21.3M, operating losses of -$49M and a net loss of -$56M, with no sustainable revenue base. The balance sheet (12/100) has collapsed, with total assets falling from $157M (2023) to $18.4M (2025) and equity down over 88% to $14.5M, raising the risk of negative equity despite reduced debt. Cash flow (8/100) is persistently negative, with operating and free cash flow at -$3.7M in 2025 and cash burn in five of the last six years. Combined, these point to going-concern risk and dependence on external capital.
Income Statement
3Very NegativeBalance Sheet
12Very NegativeCash Flow
8Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0 | -20.48M | 1.87M | 869.93K | 1.07M | 653.04K |
| Gross Profit | -631.11K | -21.29M | 1.43M | 605.42K | 709.41K | 431.47K |
| EBITDA | -3.66M | -47.30M | -88.67M | -3.60M | -5.60M | -7.01M |
| Net Income | -11.22M | -56.08M | -91.17M | -8.32M | -5.65M | -7.05M |
Balance Sheet | ||||||
| Total Assets | 16.65M | 18.42M | 65.91M | 156.99M | 11.42M | 14.59M |
| Cash, Cash Equivalents and Short-Term Investments | 6.51M | 8.19M | 2.87M | 1.76M | 3.81M | 11.21M |
| Total Debt | 3.37M | 3.52M | 32.37M | 33.16M | 1.05M | 463.82K |
| Total Liabilities | 3.68M | 3.90M | 39.30M | 38.08M | 2.03M | 1.24M |
| Stockholders Equity | 12.96M | 14.52M | 26.60M | 118.91M | 9.38M | 13.35M |
Cash Flow | ||||||
| Free Cash Flow | -3.70M | -3.69M | 717.82K | -5.15M | -5.59M | -4.13M |
| Operating Cash Flow | -3.70M | -3.69M | 722.85K | -5.15M | -5.59M | -4.10M |
| Investing Cash Flow | -4,962 | 9.00M | 629.54K | -86.54M | -3.54M | -2.59M |
| Financing Cash Flow | 0 | 0 | -241.75K | 89.67M | 1.75M | 16.47M |
MMTec Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MTC, the sentiment is Negative. The current price of 5.26 is below the 20-day moving average (MA) of 5.39, above the 50-day MA of 5.06, and above the 200-day MA of 4.59, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 44.65 is Neutral, neither overbought nor oversold. The STOCH value of 4.88 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MTC.
MMTec Risk Analysis
MMTec disclosed 67 risk factors in its most recent earnings report. MMTec reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
1 New RiskMMTec Peers Comparison
Overall Rating
NTWK69Neutral- MTC48Neutral
CNTM44Neutral
CXAI44Neutral
AIXI39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| NTWK | 69Neutral | $91.80M | 30.61 | 7.84% | ― | 12.53% | -0.08% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MTC | 48Neutral | $491.96M | -19.31 | -81.68% | ― | ― | 97.42% |
| CNTM | 44Neutral | $24.08M | -9.41 | -18.91% | ― | 25.50% | 88.69% |
| CXAI | 44Neutral | $3.11M | -0.04 | -135.04% | ― | -20.40% | 32.15% |
| AIXI | 39Underperform | $1.55M | -0.00 | 78.82% | ― | -96.21% | -112.17% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MTC | Mmtec, Inc. | 4.94 | 4.48 | 973.91% | |
| NTWK | Netsol | 7.68 | 3.45 | 81.56% | |
| CXAI | Cxapp Inc. | 1.33 | -33.16 | -96.14% | |
| CNTM | Connectm Technology Solutions Inc. | 4.20 | -5.97 | -58.72% | |
| AIXI | Xiao-I Corp. ADR | 2.75 | -132.29 | -97.96% |
MMTec Corporate Events
MMTec Posts Zero Revenue and Narrower Net Loss for First Half of 2026
For the six months ended June 30, 2026, MMTec reported a complete collapse in revenue, falling from about $0.81 million in the prior-year period to nil, as placement agent activity dried up and gross profit dropped to zero. Despite significant cuts i...
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: Oct 20, 2026