InsuraGuest Technologies (ISGI) AI Stock Analysis

• Market Cap: C$852.67K
• Dividend Yield: N/A
• Average Volume (3M): 82.27K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.34
• Revenue Growth: -6.02%
• EPS Growth: 30.91%
• Country: CA
• Employees: N/A
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 170,533,830
• 10 Day Avg. Volume: 10,100
• 30 Day Avg. Volume: 82,266
• PEG Ratio: 0.12
• Price to Book (P/B): -17.95
• Price to Sales (P/S): 4.30
• P/FCF Ratio: -15.41
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: C$0.01 ▲(0.00% Upside)

The score is primarily held down by weak financial performance: persistent large losses, negative cash flow, and negative equity outweigh strong gross margins and recent TTM revenue growth. With no usable technical indicators and a negative P/E (loss-making), technical and valuation inputs provide limited support.

Positive Factors

Revenue Growth

The 21% revenue growth indicates strong market demand and successful expansion into new vacation rental properties, supporting long-term business growth.

Operational Efficiency

Improved gross margin and reduced losses suggest better cost management and operational efficiency, enhancing profitability prospects.

Strategic Incentives

Stock options incentivize management and employees, aligning interests with shareholders and potentially driving innovation and growth.

Negative Factors

Negative Profitability

Persistent negative profitability indicates challenges in achieving sustainable earnings, which may hinder long-term financial stability.

Cash Flow Inefficiencies

Negative operating cash flow suggests inefficiencies in converting revenue into cash, potentially impacting liquidity and growth investments.

Solvency Concerns

Higher liabilities than equity raise solvency concerns, which could limit financial flexibility and increase risk in downturns.

InsuraGuest Technologies Business Overview & Revenue Model

Company Description

InsuraGuest Technologies Inc. operates as a software-as-a service based company. The company offers insurtech, a proprietary insurance and technology software that integrates with hotel and vacation rental property management systems to deliver digital insurance products. It also offers agency/broker software platform to insurance agents and brokers. The company was formerly known as Manado Gold Corp. and changed its name to InsuraGuest Technologies Inc. in February 2020. The company was incorporated in 2010 and is headquartered in Salt Lake City, Utah.

How the Company Makes Money

InsuraGuest Technologies makes money primarily through licensing its software solutions to hospitality providers such as hotels and vacation rental companies. The company generates revenue by charging fees for each guest stay that is covered under its insurance policies. This can include a per-stay fee or a subscription model depending on the agreement with the hospitality provider. Additionally, InsuraGuest may earn revenue through partnerships with insurance carriers, where it acts as a managing general agent, earning commissions or a share of premiums collected. These partnerships allow the company to offer and manage its insurance products effectively while capitalizing on the insurance carriers' underwriting capabilities.

InsuraGuest Technologies Financial Statement Overview

Summary

InsuraGuest Technologies exhibits promising revenue growth and operational efficiency, as evidenced by a strong gross profit margin. However, persistent net losses and negative cash flows indicate ongoing challenges in financial stability and profitability. The balance sheet reveals moderate leverage but highlights the necessity for enhanced profitability to support sustainable growth. Strategic improvements in cost management and cash conversion could bolster overall financial health.

Income Statement

The company demonstrates a pattern of consistent revenue growth, with a TTM revenue increase of approximately 8.3% from the previous period. However, the net profit margin remains negative, reflecting ongoing challenges in achieving profitability. The gross profit margin is relatively strong at 60.6% for TTM, indicating efficiency at the operational level, but the negative EBIT and EBITDA margins suggest substantial overhead and financial inefficiencies.

Balance Sheet

The balance sheet reflects a stable equity base with a positive equity ratio of 14.8% in the TTM period. Despite a low debt-to-equity ratio of 0.26, the company's liabilities exceed its equity, suggesting potential solvency concerns. The return on equity remains negative, highlighting the need for improved profitability to enhance shareholder returns.

Cash Flow

Operating cash flow remains negative, although financing activities have provided some liquidity boost. The cash flow from operations to net income ratio is negative, underscoring inefficiencies in converting revenue into cash. However, the TTM period shows a more stable free cash flow compared to prior periods, suggesting potential improvement in cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	797.09K	793.73K	1.00M	674.78K	345.20K	97.86K
Gross Profit	643.29K	662.03K	559.91K	388.60K	248.96K	75.57K
EBITDA	-404.11K	-334.51K	-601.00K	-701.00K	-1.39M	-1.48M
Net Income	-468.27K	-400.22K	-659.00K	-726.00K	-1.41M	-1.51M
Balance Sheet
Total Assets	522.15K	342.36K	651.34K	199.23K	720.07K	1.14M
Cash, Cash Equivalents and Short-Term Investments	223.15K	209.70K	466.94K	88.66K	602.74K	870.01K
Total Debt	41.81K	0.00	37.20K	0.00	0.00	0.00
Total Liabilities	930.62K	532.35K	453.45K	466.62K	266.27K	205.40K
Stockholders Equity	-293.56K	-189.99K	197.88K	-267.38K	453.79K	930.90K
Cash Flow
Free Cash Flow	-149.04K	-221.39K	-295.00K	-466.33K	-1.09M	-1.80M
Operating Cash Flow	-149.04K	-221.39K	-295.00K	-466.33K	-1.09M	-1.80M
Investing Cash Flow	0.00	0.00	0.00	0.00	0.00	11.38K
Financing Cash Flow	-47.74K	-35.75K	674.85K	0.00	832.40K	2.77M

InsuraGuest Technologies Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.01
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:ISGI, the sentiment is Negative. The current price of 0.01 is below the 20-day moving average (MA) of 0.01, below the 50-day MA of 0.01, and below the 200-day MA of 0.02, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 18.88 is Positive, 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 TSE:ISGI.

InsuraGuest Technologies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
ISGI	43 Neutral	C$852.67K	-2.63	―	―	-6.02%	30.91%
XIGM	42 Neutral	C$650.75K	-1.59	-75.02%	―	36.13%	50.39%
LTV	29 Underperform	C$836.04K	-1.27	―	―	―	15.05%
RAD	22 Underperform	C$278.38K	-2.38	30.05%	―	―	-5.00%