InsuraGuest Technologies (ISGI) AI Stock Analysis

• Market Cap: C$1.71M
• Dividend Yield: N/A
• Average Volume (3M): 82.27K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.11
• Revenue Growth: -6.02%
• EPS Growth: 30.91%
• Country: CA
• Employees: N/A
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 0.00
• 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: 44 Neutral
• Price Target: C$0.02 ▲(50.00% Upside)
• Action: Reiterated Date: 03/17/26
• Date: Action: Reiterated 03/17/26

The score is primarily held down by weak financial quality: persistent losses, negative free cash flow, and negative equity outweigh strong revenue growth and solid gross margins. Technicals are mixed with short-term momentum but an extremely overbought RSI, while valuation is constrained by negative earnings and no indicated dividend yield.

Positive Factors

Revenue & Unit Economics

TTM revenue growth of +40.6% combined with a ~66.8% gross margin indicates solid unit economics and sustained customer demand. Those metrics support scalable margin expansion as revenue grows, improving the odds of achieving sustainable profitability if operating expenses remain controlled over the next 2–6 months.

Low Absolute Debt

Very low absolute debt (~$43k TTM) reduces near-term liquidity strain and interest obligations, preserving financial flexibility. With limited fixed financing costs, management has more runway to invest in growth or adjust spending, supporting operational resilience while the business pursues scale.

Improving Cash Efficiency

Reported improvement in cash burn versus prior years shows management progress on cost control and operational efficiency. Continued improvement in operating and free cash flow trends reduces dependence on external funding and creates a more credible path to break‑even within several months if revenue momentum persists.

Negative Factors

Ongoing Losses / Negative Profitability

A net margin near -39.9% and continuing operating losses show the business has not yet scaled to cover fixed costs. Persistent unprofitability will continue to drain cash and requires either significant margin expansion or repeated capital raises to sustain operations, raising execution risk over the medium term.

Negative Shareholders' Equity

Negative stockholders' equity is a structural balance-sheet weakness that can limit access to traditional financing and increase the likelihood of dilutive or costly funding. It heightens insolvency risk if losses persist and constrains strategic flexibility over the coming months.

Negative Operating & Free Cash Flow

Both OCF and FCF are negative (~-$124k TTM), indicating ongoing cash consumption. Continued negative cash generation forces reliance on external capital or asset conversion, increasing dilution or refinancing risk and putting pressure on execution if capital market access tightens over the next several quarters.

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.

InsuraGuest Technologies Financial Statement Overview

Summary

Strong TTM revenue growth (+40.6%) and healthy gross margin (~66.8%) are positives, but profitability remains deeply negative (net margin ~-39.9%) with ongoing operating losses. Balance sheet risk is elevated due to negative stockholders’ equity despite low absolute debt, and cash flow remains negative (TTM OCF/FCF ~-$124k), indicating continued dependence on funding and execution to reduce burn.

Income Statement

TTM (Trailing-Twelve-Months) revenue is growing strongly (+40.6%), and gross margin remains healthy (~66.8%), indicating solid unit economics. However, profitability is still meaningfully negative (net margin ~-39.9% and operating losses), showing the business has not yet scaled enough to cover operating costs. The annual results also show volatility in growth (2025 annual slightly down vs. prior year), reinforcing that the path to consistent profitability is still developing.

Balance Sheet

Leverage is low in absolute dollars (TTM total debt ~$43k), which reduces near-term debt risk. The key weakness is the capital structure: stockholders’ equity is negative in TTM (and also negative in some prior annual periods), which can limit financial flexibility and increase reliance on external funding. Assets increased versus some earlier periods, but the negative equity position is a notable balance-sheet risk.

Cash Flow

Cash generation remains weak, with TTM (Trailing-Twelve-Months) operating cash flow and free cash flow both negative (~-$124k), meaning the business is still consuming cash to operate. While cash burn has improved versus earlier years (materially less negative than 2021–2024), free cash flow growth is still negative in TTM, suggesting recent momentum on cash efficiency is not yet consistent. Overall, cash flow remains a key constraint until losses narrow further.

Breakdown	TTM	Sep 2025	Sep 2024	Sep 2023	Jun 2022	Sep 2021
Income Statement
Total Revenue	1.12M	793.73K	1.00M	674.78K	345.20K	97.86K
Gross Profit	748.66K	662.03K	559.91K	388.60K	248.96K	75.57K
EBITDA	-378.32K	-334.51K	-601.00K	-701.00K	-1.39M	-1.48M
Net Income	-446.78K	-400.22K	-659.00K	-726.00K	-1.41M	-1.51M
Balance Sheet
Total Assets	540.77K	342.36K	651.34K	199.23K	720.07K	1.14M
Cash, Cash Equivalents and Short-Term Investments	244.03K	209.70K	466.94K	88.66K	602.74K	870.01K
Total Debt	43.43K	0.00	37.20K	0.00	0.00	0.00
Total Liabilities	964.38K	532.35K	453.45K	466.62K	266.27K	205.40K
Stockholders Equity	-423.62K	-189.99K	197.88K	-267.38K	453.79K	930.90K
Cash Flow
Free Cash Flow	-123.97K	-221.39K	-295.00K	-466.33K	-1.09M	-1.80M
Operating Cash Flow	-123.97K	-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	-54.01K	-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: Neutral
• STOCH: Neutral

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 48.12 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, 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	44 Neutral	C$1.71M	-6.55	―	―	-6.02%	30.91%
XIGM	44 Neutral	C$1.63M	-1.25	-75.02%	―	36.13%	50.39%
LTV	29 Underperform	C$836.04K	-1.33	―	―	―	15.05%
RAD	22 Underperform	C$278.38K	-1.44	25.72%	―	―	-5.00%

InsuraGuest Technologies Corporate Events

InsuraGuest Launches Affiliate Channel to Capture Short-Term Rental Growth

InsuraGuest Technologies has introduced a new affiliate marketing revenue channel to drive adoption of its risk management platform in the rapidly expanding short-term vacation rental market. By partnering with third-party affiliates who already serve rental operators and related professional communities, the company aims to extend its distribution reach without materially increasing fixed operating costs.

The program allows affiliates to use their own sales and marketing strategies to promote InsuraGuest’s guest-damage and injury coverage solutions, with commission-based incentives aligning interests. The company is also targeting high-growth international regions, highlighted by a new affiliate agreement in the Dominican Republic, positioning InsuraGuest to capture a larger share of global short-term rental demand as the market grows toward an expected $102 billion by 2030.

The most recent analyst rating on (TSE:ISGI) stock is a Sell with a C$0.01 price target. To see the full list of analyst forecasts on InsuraGuest Technologies stock, see the TSE:ISGI Stock Forecast page.