Urgent.ly Inc (ULY) AI Stock Analysis

• Market Cap: $6.13M
• Dividend Yield: N/A
• Average Volume (3M): 726.13K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.48
• Revenue Growth: -17.95%
• EPS Growth: -124.63%
• Country: US
• Employees: 182
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -3.63
• Shares Outstanding: 2,190,945
• 10 Day Avg. Volume: 1,937,800
• 30 Day Avg. Volume: 726,129
• PEG Ratio: <0.01
• Price to Book (P/B): -0.22
• Price to Sales (P/S): 0.05
• P/FCF Ratio: -0.21
• Enterprise Value/Market Cap: 9.11
• Enterprise Value/Revenue: 0.44
• Enterprise Value/Gross Profit: 1.79
• Enterprise Value/Ebitda: -8.83
• 1Y Price Target: $8.00
• Price Target Upside: 153.97% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: $3.00 ▼(-4.76% Downside)

The score is primarily held down by weak financial performance (sharp TTM revenue contraction, ongoing losses, negative free cash flow, and negative equity with sizeable debt). Technicals and the latest earnings call provide some offset via improving margins/cost control, a move to positive non-GAAP operating income, and neutral-to-slightly positive near-term momentum, but valuation is difficult to justify with losses and the corporate event adds a minor governance overhang.

Positive Factors

Strategic Partnerships

Broad wins with insurers, fleet, autonomous-vehicle and an OEM partner embed Urgent.ly into distribution channels and vehicle ecosystems. These durable partnerships can create recurring revenue, lower CAC, and increase renewal visibility, supporting long-term scale if execution holds.

Gross Margin Improvement

A multi-point gross margin improvement reflects better unit economics from pricing, service mix or lower direct costs. Sustained margin expansion increases the leverage on future revenue, improves path to operating profitability, and reduces capital needed to reach cash generative operations.

Cost Discipline / Profitability Inflection

A swing to positive non-GAAP operating income and material OPEX cuts show durable operating improvements. If maintained, lower fixed costs reduce break-even revenue, extend runway, and make achieving sustained positive cash flow more attainable even with near-term top-line pressure.

Negative Factors

Revenue Decline

Severe TTM revenue contraction and recurring YoY declines signal structural demand or customer concentration issues. Persistent top-line weakness undermines operating leverage, risks reversing margin gains, and makes long-term profitability and investment plans reliant on regaining sustainable revenue growth.

Balance Sheet Fragility

Negative equity and material debt raise refinancing and liquidity risk. With ongoing negative operating and free cash flow, the company is dependent on external funding, which can constrain strategic flexibility, increase cost of capital, and jeopardize investments or contract performance over time.

NASDAQ Listing Compliance Risk

A formal NASDAQ compliance notice is a structural governance and regulatory overhang. Continued non-compliance risks delisting, which would impede access to public capital, reduce investor confidence and partner trust, and materially constrain the company’s ability to finance growth until resolved.

Urgent.ly Inc Business Overview & Revenue Model

Company Description

Urgent.ly Inc. designs and develops a mobility assistance software platform for roadside assistance. Its services include car lockout, tire changes, towing, stuck in ditch and winch services, motorcycle towing, electric vehicle towing, jump start, and gas delivery. The company's software platform combines location-based services, real-time data, AI and machine-to-machine communication to provide roadside assistance solutions. It serves automotive, insurance, telematics, and other transportation-focused verticals. Urgent.ly Inc. was incorporated in 2013 and is headquartered in Vienna, Virginia.

How the Company Makes Money

Urgent.ly generates revenue through a combination of subscription fees, pay-per-use services, and partnerships with automotive manufacturers and insurance companies. The company offers a subscription model for individuals and businesses that provides access to their roadside assistance services for a monthly or annual fee. Additionally, they earn revenue from one-time service fees charged to users who require immediate assistance without a subscription. Significant partnerships with major auto manufacturers and insurance providers further enhance their revenue streams by integrating Urgent.ly's services into their offerings, often resulting in shared revenue arrangements or fee structures that benefit both parties.

Urgent.ly Inc Financial Statement Overview

Summary

Urgent.ly Inc faces significant financial challenges with declining revenues, negative profitability, and high leverage. The negative equity and consistent cash flow deficits highlight financial distress. The company needs to improve its operational efficiency and financial management to stabilize and grow.

Income Statement

Urgent.ly Inc has experienced fluctuating revenues, with a decline in 2024 compared to 2023. The gross profit margin improved from 10.24% in 2022 to 22.10% in 2023 but decreased to 22.09% in 2024. The company has been unprofitable, with negative net income and EBIT margins in all years, indicating challenges in achieving profitability.

Balance Sheet

The company shows negative stockholders' equity, indicating financial instability. The debt-to-equity ratio is not meaningful due to negative equity, but high total debt suggests significant leverage. Return on equity is negative due to consistent net losses. Equity ratio remained negative, highlighting potential financial distress.

Cash Flow

Operating cash flow has been consistently negative, reflecting cash outflows from operations. Free cash flow is also negative, although there was a reduction in cash outflow in 2024. The company struggles to generate positive cash flow, which could affect its liquidity and ability to fund operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	127.93M	142.91M	184.65M	187.59M	148.51M
Gross Profit	31.15M	31.56M	37.88M	20.15M	8.41M
EBITDA	-6.33M	-23.71M	121.05M	-63.56M	-52.38M
Net Income	-25.01M	-44.03M	74.73M	-95.98M	-56.34M
Balance Sheet
Total Assets	42.75M	54.07M	121.19M	46.94M	67.81M
Cash, Cash Equivalents and Short-Term Investments	4.00M	14.05M	69.05M	6.36M	30.16M
Total Debt	59.03M	55.05M	72.02M	103.14M	86.17M
Total Liabilities	87.95M	85.74M	111.59M	228.11M	188.38M
Stockholders Equity	-45.20M	-31.67M	9.60M	-181.17M	-120.57M
Cash Flow
Free Cash Flow	-11.49M	-37.81M	-65.29M	-54.45M	-57.57M
Operating Cash Flow	-7.63M	-30.79M	-65.14M	-54.24M	-57.21M
Investing Cash Flow	-5.20M	24.70M	81.77M	-208.00K	-356.00K
Financing Cash Flow	-535.00K	-18.07M	14.40M	30.65M	78.05M

Urgent.ly Inc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.15
• 50DMA: Positive
• 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 ULY, the sentiment is Negative. The current price of 3.15 is above the 20-day moving average (MA) of 2.49, above the 50-day MA of 2.36, and below the 200-day MA of 4.57, indicating a neutral trend. The MACD of 0.19 indicates Negative momentum. The RSI at 48.77 is Neutral, neither overbought nor oversold. The STOCH value of 36.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ULY.

Urgent.ly Inc 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%
ULY	48 Neutral	$6.13M	-0.12	―	―	-17.95%	-124.63%
BIYA	47 Neutral	$5.47M	-0.44	-41.11%	―	―	―
MYSZ	45 Neutral	$3.63M	-0.78	-60.58%	―	-22.01%	93.14%
TGL	41 Neutral	$10.94M	-0.06	-269.14%	―	-73.83%	98.11%
FRGT	40 Underperform	$2.52M	>-0.01	―	―	-19.53%	92.37%

Urgent.ly Inc Corporate Events

Urgent.ly Adjourns 2025 Annual Meeting for Lack of Quorum

Urgent.ly Inc. convened but immediately adjourned its 2025 annual meeting of stockholders on December 29, 2025, after failing to secure sufficient votes to reach a quorum, meaning no business or proposals were acted upon at that time. The company has rescheduled the virtual annual meeting for January 28, 2026, maintaining the same voting proposals and record date of November 6, 2025, and confirming that previously submitted proxies remain valid, a move that underscores the company’s reliance on increased shareholder participation to complete required corporate governance actions.

The most recent analyst rating on (ULY) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Urgent.ly Inc stock, see the ULY Stock Forecast page.

Urgent.ly Inc Schedules 2025 Annual Stockholders Meeting

Urgent.ly Inc. has scheduled its 2025 Annual Meeting of Stockholders for December 29, 2025, to be held virtually. The record date for determining stockholders entitled to vote is November 6, 2025. Stockholders wishing to submit proposals for consideration or nominate directors must do so by November 3, 2025, complying with relevant regulations and company bylaws.

The most recent analyst rating on (ULY) stock is a Sell with a $2.50 price target. To see the full list of analyst forecasts on Urgent.ly Inc stock, see the ULY Stock Forecast page.