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MMTec Inc (MTC)
NASDAQ:MTC
US Market
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MMTec (MTC) AI Stock Analysis

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MTC

MMTec

(NASDAQ:MTC)

Rating:44Neutral
Price Target:
$1.00
▲(2.04% Upside)
The overall stock score of 44 reflects significant financial challenges, particularly in profitability and valuation. While there is strong revenue growth potential, the company's negative net income and cash flow inefficiencies weigh heavily on its financial health. Technical indicators provide a mixed outlook, with some potential for upward movement. However, the lack of positive valuation metrics and absence of earnings call or corporate events data limit the stock's appeal.

MMTec (MTC) vs. SPDR S&P 500 ETF (SPY)

MMTec Business Overview & Revenue Model

Company DescriptionMMTec, Inc., together with its subsidiaries, develops and deploys platforms that enable financial institutions to engage in securities market transactions and settlements worldwide. The company operates in two segments, Gujia, MM Future, MMBD Advisory and HC Securities; and MM Global. It offers Internet-based securities solutions comprising Securities Dealers Trading System, which supports securities registration and clearing, account management, risk management, trading and execution, and third party access middleware; Private Fund Investment Management System that supports multi-account management, fund valuation, risk management, quantitative trading access, liquidation, and requisition management; and Mobile Transaction Individual Client System and PC Client System for Apple IOS, Android, PC, and Web applications. The company enables its customers to white label its trading interface, as well as select modular functionalities. It serves hedge funds, mutual funds, registered investment advisors, proprietary trading groups, and brokerage firms. The company was founded in 2015 and is headquartered in Beijing, the People's Republic of China.
How the Company Makes MoneyMMTec generates revenue primarily through its diverse portfolio of technology solutions and services. Key revenue streams include software licensing fees, subscription-based cloud services, and project-based consulting services. The company also earns income from strategic partnerships with major technology firms, allowing it to expand its service offerings and access new markets. Additionally, MMTec benefits from ongoing maintenance and support contracts with clients, providing a steady income stream. The combination of these factors contributes significantly to the company's overall earnings and financial sustainability.

MMTec Financial Statement Overview

Summary
MMTec exhibits strong revenue growth but faces significant profitability challenges with consistent net losses impacting key financial metrics. The balance sheet reflects moderate leverage, but negative returns on equity and cash flow ratios suggest operational inefficiencies. While there is potential for revenue expansion, the company must address profitability and cash conversion to enhance financial health.
Income Statement
35
Negative
The income statement reveals significant challenges with profitability. The Gross Profit Margin is strong at 81.64%, indicating efficient cost management concerning revenue generation. However, the Net Profit Margin is extremely negative at -4879.43%, primarily due to substantial net losses. Revenue Growth Rate shows a remarkable increase of 114.87%, suggesting potential for revenue expansion. Nonetheless, the negative EBIT and EBITDA margins highlight ongoing operational inefficiencies.
Balance Sheet
40
Negative
The balance sheet shows a mixed picture. The Debt-to-Equity Ratio is 1.22, indicating a moderate reliance on debt financing. The Return on Equity is negative at -342.59%, reflecting substantial net losses relative to equity. However, the Equity Ratio stands at 40.36%, showing a reasonable proportion of assets financed by equity, suggesting some balance sheet stability.
Cash Flow
50
Neutral
Cash flow analysis presents a stable yet concerning picture. The Free Cash Flow has turned positive, indicating improved cash management. However, the Operating Cash Flow to Net Income Ratio and Free Cash Flow to Net Income Ratio are negative, reflecting challenges in translating profits into cash. Despite this, the company has managed to maintain positive operating cash flow in the latest period.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.87M869.93K1.10M653.04K742.13K
Gross Profit1.53M696.99K868.05K511.73K734.72K
EBITDA-88.67M-4.24M-5.85M-6.44M-3.13M
Net Income-91.17M48.96M-5.45M-8.22M-3.19M
Balance Sheet
Total Assets65.91M156.99M11.42M14.59M3.71M
Cash, Cash Equivalents and Short-Term Investments2.87M1.76M3.83M11.21M1.43M
Total Debt32.37M33.16M1.05M463.82K786.79K
Total Liabilities39.30M34.62M2.03M1.24M1.01M
Stockholders Equity26.60M122.36M9.38M13.35M2.70M
Cash Flow
Free Cash Flow717.82K-5.15M-5.59M-4.13M-2.00M
Operating Cash Flow722.85K-5.15M-5.59M-4.10M-1.98M
Investing Cash Flow629.54K-86.54M-3.54M-2.59M-331.94K
Financing Cash Flow-241.75K89.67M1.75M16.47M37.25K

MMTec Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.98
Price Trends
50DMA
0.96
Positive
100DMA
1.00
Negative
200DMA
1.29
Negative
Market Momentum
MACD
<0.01
Negative
RSI
53.04
Neutral
STOCH
51.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MTC, the sentiment is Positive. The current price of 0.98 is above the 20-day moving average (MA) of 0.94, above the 50-day MA of 0.96, and below the 200-day MA of 1.29, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.04 is Neutral, neither overbought nor oversold. The STOCH value of 51.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

MMTec Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$47.89M191.390.75%9.18%
61
Neutral
$36.05B6.66-10.10%1.86%8.68%-8.81%
55
Neutral
$43.36M32.63-2.82%-36.35%-153.77%
47
Neutral
$18.93M-89.23%-15.10%74.63%
44
Neutral
$24.68M40.01%
38
Underperform
$19.28M544.07%19.01%44.24%
28
Underperform
$463.49K-363.40%61.58%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
MTC
MMTec
0.98
-1.23
-55.66%
NTWK
Netsol Technologies
4.17
1.52
57.36%
HKIT
Hitek Global
1.47
-0.15
-9.26%
CXAI
CXApp
0.80
-1.31
-62.09%
CNTM
ConnectM Technology Solutions
0.03
-0.83
-96.51%
AIXI
Xiao-I Corp. ADR
1.61
-3.60
-69.10%
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: Aug 27, 2025