Urgent.ly Inc (ULY) AI Stock Analysis

• Market Cap: $4.70M
• Dividend Yield: N/A
• Average Volume (3M): 81.96K
• Price to Earnings (P/E): <0.1
• Beta (1Y): 1.66
• Revenue Growth: -20.81%
• EPS Growth: -139.45%
• Country: US
• Employees: 182
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -4.50
• Shares Outstanding: 1,395,526
• 10 Day Avg. Volume: 69,805
• 30 Day Avg. Volume: 81,961
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 11.88
• Enterprise Value/Revenue: 0.42
• Enterprise Value/Gross Profit: 1.85
• Enterprise Value/Ebitda: -3.23
• 1Y Price Target: $11.50
• Price Target Upside: 241.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 41 Neutral
• Price Target: $4.50 ▲(33.53% Upside)

Urgent.ly Inc's overall stock score is primarily impacted by its poor financial performance, characterized by declining revenues, negative profitability, and high leverage. Technical analysis indicates a bearish trend with weak momentum. Valuation metrics are unattractive due to negative earnings and no dividend yield. While the earnings call showed some operational improvements, they are overshadowed by significant financial challenges.

Positive Factors

AI Innovation

The launch of SPARK, an AI tool, enhances service efficiency by reducing wait times, which can improve customer satisfaction and operational effectiveness, supporting long-term growth.

Insurance Market Expansion

New contracts in the insurance sector indicate strategic expansion, providing a stable revenue stream and enhancing market position in a key industry.

Gross Margin Improvement

Improved gross margins reflect better cost management and operational efficiency, which can enhance profitability and financial stability over time.

Negative Factors

Revenue Decline

The revenue decline, partly due to losing a major OEM partner, highlights challenges in maintaining growth and could impact future financial performance.

High Debt Levels

Significant debt levels can strain cash flow and limit financial flexibility, posing risks to long-term stability and growth potential.

Negative Cash Flow

Persistent negative cash flow indicates challenges in funding operations and achieving liquidity, which could hinder strategic investments and growth.

Urgent.ly Inc Business Overview & Revenue Model

Company Description

Urgent.ly Inc (ULY) is a leading provider of digital roadside assistance services, utilizing a technology-driven platform to connect stranded motorists with nearby service providers. Operating primarily in the automotive and insurance sectors, Urgent.ly offers a seamless and efficient experience for drivers in need of towing, tire changes, fuel delivery, and other roadside services. The company leverages GPS and real-time data to ensure rapid response times and transparency throughout the service process.

How the Company Makes Money

Urgent.ly makes money through a combination of service fees charged for each roadside assistance request and partnerships with automotive manufacturers, insurance companies, and fleet operators. The company's revenue model includes direct-to-consumer sales via its app, where users pay a fee for on-demand services. Additionally, Urgent.ly collaborates with corporate partners, offering integrated solutions that enhance their customer service offerings, often under a subscription or contract-based model. These partnerships provide a steady stream of revenue, as they integrate Urgent.ly's services into their own product offerings, thereby expanding Urgent.ly's reach and customer base.

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	134.09M	142.91M	184.65M	187.59M	148.51M
Gross Profit	30.20M	31.56M	37.88M	20.15M	8.41M
EBITDA	-17.32M	-23.71M	121.05M	-63.56M	-52.38M
Net Income	-36.50M	-44.03M	74.73M	-95.98M	-56.34M
Balance Sheet
Total Assets	46.43M	54.07M	121.19M	46.94M	67.81M
Cash, Cash Equivalents and Short-Term Investments	6.29M	14.05M	69.05M	6.36M	30.16M
Total Debt	54.36M	55.05M	72.02M	102.30M	86.17M
Total Liabilities	82.51M	85.74M	111.59M	228.11M	188.38M
Stockholders Equity	-36.08M	-31.67M	9.60M	-181.17M	-120.57M
Cash Flow
Free Cash Flow	-31.94M	-32.36M	-65.29M	-54.45M	-57.57M
Operating Cash Flow	-26.24M	-30.79M	-65.14M	-54.24M	-57.21M
Investing Cash Flow	-231.00K	24.70M	81.77M	-208.00K	-356.00K
Financing Cash Flow	-1.40M	-18.07M	14.40M	30.65M	78.05M

Urgent.ly Inc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.37
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 3.37 is below the 20-day moving average (MA) of 3.84, below the 50-day MA of 4.58, and below the 200-day MA of 5.78, indicating a bearish trend. The MACD of -0.29 indicates Negative momentum. The RSI at 35.75 is Neutral, neither overbought nor oversold. The STOCH value of 8.95 is Positive, 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
NVNI	49 Neutral	$50.10M	-3.06	71.52%	―	―	―
ELWS	42 Neutral	$7.92M	-4.71	-346.76%	―	136.36%	28.66%
RYDE	42 Neutral	$14.20M	-0.46	-469.54%	―	3.69%	-50.95%
ULY	41 Neutral	$4.70M	0.07	―	―	-20.81%	-139.45%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Urgent.ly Inc Corporate Events

Urgent.ly Inc CFO Departs, CEO Takes Financial Role

On August 5, 2025, Michael H. Port, the Chief Financial Officer of Urgent.ly Inc, separated from the company without cause. Following his departure, the board appointed CEO Matthew Booth as the principal financial officer and Andrea Makkai as the principal accounting officer. These changes are expected to maintain continuity in the company’s financial management and operations.

Urgent.ly Inc Board Member Resigns Amid Integration

On July 17, 2025, Benjamin Volkow announced his resignation from the Board of Directors of Urgent.ly Inc., effective September 30, 2025, to pursue other opportunities after the company’s integration of Otonomo Technologies Ltd. His departure is not due to any disagreements, and the company appreciates his contributions.

Urgent.ly Inc Launches ‘At the Market’ Offering Program

On July 11, 2025, Urgent.ly Inc. initiated an ‘at the market’ offering program by entering into a Sales Agreement with A.G.P./Alliance Global Partners, allowing the sale of shares worth up to $4,025,821. The proceeds are intended for working capital and general corporate purposes, with the sales to be conducted through Nasdaq or other trading markets. Additionally, following the resignation of CFO Timothy C. Huffmyer effective June 6, 2025, Urgent.ly Inc. entered into an Advisor Agreement with him to provide transitional services until October 31, 2025.