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Urgent.ly Inc (ULY)
NASDAQ:ULY
US Market

Urgent.ly Inc (ULY) AI Stock Analysis

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ULY

Urgent.ly Inc

(NASDAQ:ULY)

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Neutral 43 (OpenAI - 4o)
Rating:43Neutral
Price Target:
$2.50
▲(22.55% Upside)
Urgent.ly Inc's overall stock score reflects significant financial distress, with negative profitability and high leverage being the most impactful factors. The bearish technical indicators and negative valuation metrics further weigh on the score. While the earnings call showed some operational improvements and strategic partnerships, these are overshadowed by the ongoing challenges and compliance issues.
Positive Factors
Strategic Partnerships
Strategic partnerships with major brands like Sony Honda Mobility can enhance market reach and drive revenue growth, strengthening Urgent.ly's competitive position.
Operational Efficiency
Significant cost reductions reflect improved operational efficiency, which can lead to better profitability and financial stability in the long term.
Gross Margin Improvement
Improved gross margins indicate better cost management and pricing strategies, contributing to sustainable profitability over time.
Negative Factors
Revenue Decline
A decline in revenue, especially due to the loss of a major customer, can hinder growth prospects and affect long-term financial health.
High Debt Levels
High debt levels can strain cash flow and limit financial flexibility, posing risks to the company's ability to invest in growth opportunities.
NASDAQ Compliance Issues
Ongoing NASDAQ compliance issues create uncertainty and could lead to delisting, impacting investor confidence and access to capital markets.

Urgent.ly Inc (ULY) vs. SPDR S&P 500 ETF (SPY)

Urgent.ly Inc Business Overview & Revenue Model

Company DescriptionUrgent.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 MoneyUrgent.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 Earnings Call Summary

Earnings Call Date:Nov 12, 2025
(Q3-2025)
|
% Change Since: |
Next Earnings Date:Mar 12, 2026
Earnings Call Sentiment Neutral
The earnings call showcased significant operational progress and financial improvements, such as achieving positive non-GAAP operating income and reducing operating expenses. However, challenges persist with a notable revenue decline from the previous year and ongoing compliance issues with NASDAQ listing requirements. Despite these challenges, the company's positive momentum and strategic partnerships suggest a cautiously optimistic outlook.
Q3-2025 Updates
Positive Updates
Achievement of Positive Non-GAAP Operating Income
For Q3 2025, Urgent.ly Inc. achieved positive non-GAAP operating income, marking an important milestone and a profitability inflection point.
Revenue Achievement and Guidance Commitment
Urgent.ly Inc. delivered $32.9 million in revenue for the third quarter, meeting expectations and marking the eighth consecutive quarter of delivering on revenue guidance.
Gross Margin Improvement
The company achieved a gross margin of 25% for Q3 2025, a four-point improvement over the same quarter last year and a 13-point improvement over three years.
Cost Reductions
Non-GAAP operating expenses were reduced by $2.7 million or 25% compared to the same period last year, demonstrating significant operational efficiencies.
New Contracts and Partnerships
Signed new contracts with insurance providers, fleet, autonomous vehicle, and affinity brand verticals. Notably, partnered with Sony Honda Mobility of America to provide services for the Aphelio brand.
Negative Updates
Revenue Decline from Previous Year
Q3 2025 revenue of $32.9 million represented a 9% decline from the same quarter last year, primarily due to the reduction in dispatch volume from the early termination of a top-five global OEM customer.
NASDAQ Listing Compliance Issue
Urgent.ly Inc. was formally notified by NASDAQ that net income from continuing operations had fallen below the minimum requirement for continued listing, although an extension was granted until February 2026 to regain compliance.
High Debt Levels
As of September 30, 2025, the company had a principal debt balance of $61 million, which remains a significant burden.
Company Guidance
During the third quarter of fiscal year 2025, Urgent.ly Inc. reported a series of key financial metrics and strategic updates. They achieved a revenue of $32.9 million, which aligned with their forecasted range of $31 million to $34 million, although it marked a 9% decline from the previous year. Nevertheless, the company achieved a gross margin of 25%, an improvement from 21% in the same period last year, and they met their guidance by achieving a non-GAAP operating income of $123,000, a significant turnaround from a $2.9 million non-GAAP operating loss in the prior year. Operating expenses decreased by 28% year-over-year, reflecting ongoing cost optimization efforts. Urgent.ly Inc. also highlighted their strategic focus on renewing key contracts, particularly in the insurance sector, and expanding their market presence, which is expected to fuel future growth. Additionally, they secured an extension from NASDAQ to regain compliance with listing requirements, with a target date set for February 16, 2026. Looking ahead, they aim to maintain non-GAAP operating breakeven and continue expanding their business through strategic partnerships and market penetration.

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
40
Negative
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
30
Negative
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
35
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue127.93M142.91M184.65M187.59M148.51M
Gross Profit31.15M31.56M37.88M20.15M8.41M
EBITDA-6.33M-23.71M121.05M-63.56M-52.38M
Net Income-25.01M-44.03M74.73M-95.98M-56.34M
Balance Sheet
Total Assets42.75M54.07M121.19M46.94M67.81M
Cash, Cash Equivalents and Short-Term Investments4.00M14.05M69.05M6.36M30.16M
Total Debt59.03M55.05M72.02M103.14M86.17M
Total Liabilities87.95M85.74M111.59M228.11M188.38M
Stockholders Equity-45.20M-31.67M9.60M-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-5.20M24.70M81.77M-208.00K-356.00K
Financing Cash Flow-535.00K-18.07M14.40M30.65M78.05M

Urgent.ly Inc Technical Analysis

Technical Analysis Sentiment
Negative
Last Price2.04
Price Trends
50DMA
2.44
Negative
100DMA
3.27
Negative
200DMA
4.71
Negative
Market Momentum
MACD
-0.07
Positive
RSI
42.87
Neutral
STOCH
18.98
Positive
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 2.04 is below the 20-day moving average (MA) of 2.14, below the 50-day MA of 2.44, and below the 200-day MA of 4.71, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 42.87 is Neutral, neither overbought nor oversold. The STOCH value of 18.98 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ULY.

Urgent.ly Inc Risk Analysis

Urgent.ly Inc disclosed 62 risk factors in its most recent earnings report. Urgent.ly Inc 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

Urgent.ly Inc Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
51
Neutral
$3.25M-0.62-60.58%-22.01%93.14%
43
Neutral
$4.45M-0.10-17.95%-124.63%
40
Underperform
$10.90M-0.06-269.14%-73.83%98.11%
38
Underperform
$3.89M-0.04-19.53%92.37%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ULY
Urgent.ly Inc
2.04
-3.96
-66.00%
MYSZ
My Size
0.87
-3.30
-79.14%
FRGT
Freight Technologies
2.44
-35.76
-93.61%
AUUD
Auddia
1.17
-7.16
-85.95%
TGL
Treasure Global, Inc.
7.05
-218.05
-96.87%
BIYA
Baiya International Group, Inc.
0.19
-3.96
-95.42%

Urgent.ly Inc Corporate Events

Shareholder Meetings
Urgent.ly Inc Schedules 2025 Annual Stockholders Meeting
Neutral
Oct 24, 2025

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.

Delistings and Listing ChangesRegulatory Filings and Compliance
Urgent.ly Faces Potential Nasdaq Delisting Notice
Negative
Sep 22, 2025

On March 19, 2025, Urgently Inc. received a notice from Nasdaq indicating non-compliance with Listing Rule 5550(b) due to insufficient net income, market value of listed securities, and stockholders’ equity. Despite submitting a compliance plan by the September 15 deadline, the company remained non-compliant, leading to a potential delisting notice effective September 25, 2025. Urgently plans to request a hearing to present its compliance strategy and seek an extension, although there is no guarantee of success. The company is actively working on strategies to meet the listing requirements.

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: Dec 09, 2025