Urgent.ly Inc (ULY) AI Stock Analysis

• Market Cap: $4.32M
• Dividend Yield: N/A
• Average Volume (3M): 726.13K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.57
• 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: -0.18
• Enterprise Value/Market Cap: 13.32
• Enterprise Value/Revenue: 0.45
• Enterprise Value/Gross Profit: 1.85
• Enterprise Value/Ebitda: -9.08
• 1Y Price Target: $8.00
• Price Target Upside: 170.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 47 Neutral
• Price Target: $2.50 ▼(-15.54% Downside)

The score is held down primarily by weak financial performance (steep TTM revenue contraction, negative equity, and ongoing cash burn). Technicals are also soft with negative momentum and price below key longer-term moving averages. Offsetting this, the earnings call indicates improving operational efficiency and a move to non-GAAP operating breakeven, while valuation is difficult to assess due to a negative P/E and no dividend support.

Positive Factors

Improving gross margins

Sustained gross margin improvement indicates stronger unit economics and better pricing or mix, which supports long-term profitability if revenue stabilizes. Higher gross margins give the company more room to cover fixed costs and reduce reliance on external funding over the coming quarters.

Cost discipline and non-GAAP profitability

Meaningful expense reductions and a swing to positive non-GAAP operating income demonstrate improving operating leverage and management focus on cash conservation. If sustained, these structural cost controls can materially lower cash burn and create a viable path to GAAP profitability over multiple quarters.

Strategic partnerships expand addressable market

New embedded partnerships and contracts with insurers, fleets and OEM-related brands broaden recurring revenue channels and reduce go-to-market friction. Long-term, such strategic relationships can increase customer stickiness, diversify revenue sources, and improve predictability of service-based revenues.

Negative Factors

Weak balance sheet with negative equity

Negative shareholders’ equity and material debt limit financial flexibility and raise refinancing and covenant risk. Over a multi-quarter horizon this structural weakness increases likelihood of dilutive financings or onerous terms, constraining strategic investments and response to industry opportunities.

Persistent negative cash generation

Continued negative operating and free cash flow means the business remains reliant on external capital until sustainable positive OCF is achieved. Even with improved burn, ongoing cash deficits raise liquidity risk and may force financing decisions that dilute shareholders or limit reinvestment for growth.

Revenue decline and customer concentration

Top-line erosion and reliance on a few large customers create durable revenue volatility and execution risk. Loss or early termination by a major partner can materially impact growth and margin cadence, complicating forecasts and impeding a sustained recovery in profitability across the next several quarters.

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

Weak fundamentals driven by a sharp TTM revenue decline, ongoing operating losses, negative free cash flow, and a fragile balance sheet with negative shareholders’ equity. Offsetting positives include improving gross margin and a meaningful reduction in cash outflows versus 2024.

Income Statement

TTM (Trailing-Twelve-Months) revenue declined sharply (about -252%), signaling a meaningful contraction versus prior periods. Profitability is still weak with negative operating profit and a negative net margin in TTM, despite some improvement versus 2024 (losses narrowed from 2024 to TTM). Gross margin has improved over time (roughly ~22% in 2024 to ~24% in TTM), but the business remains loss-making and top-line volatility is a key risk.

Balance Sheet

The balance sheet is pressured by negative shareholders’ equity in TTM and 2024, which limits financial flexibility and increases refinancing risk. Debt remains sizeable (about $59M in TTM) relative to the asset base, and the negative equity makes leverage indicators inherently strained. While total debt is lower than 2022 levels, the company’s capital structure still looks fragile and highly dependent on ongoing access to external funding.

Cash Flow

Cash generation remains a major weakness: TTM operating cash flow and free cash flow are both negative, indicating the business is still consuming cash to operate and invest. However, the cash burn has improved meaningfully versus 2024 (operating and free cash outflows reduced), which is a positive trajectory. Overall, persistent negative free cash flow keeps liquidity risk elevated until the company reaches sustained positive operating cash flow.

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: 2.96
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 2.96 is above the 20-day moving average (MA) of 2.47, above the 50-day MA of 2.33, and below the 200-day MA of 4.39, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 41.19 is Neutral, neither overbought nor oversold. The STOCH value of 32.78 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%
MYSZ	49 Neutral	$2.65M	-0.49	-60.58%	―	-22.01%	93.14%
BIYA	49 Neutral	$4.32M	-0.38	-41.11%	―	―	―
ULY	47 Neutral	$4.32M	-0.10	―	―	-17.95%	-124.63%
TGL	41 Neutral	$7.61M	-0.04	-269.14%	―	-73.83%	98.11%
FRGT	40 Underperform	$1.85M	>-0.01	―	―	-19.53%	92.37%

Urgent.ly Inc Corporate Events

Urgent.ly stockholders approve directors and auditor at meeting

On January 28, 2026, Urgent.ly Inc. held its 2025 Annual Meeting of Stockholders, with 51.97% of the company’s outstanding common stock represented in person or by proxy, constituting a quorum for business. At the meeting, stockholders elected Suzie Doran and James Micali as Class II directors to serve until the 2028 annual meeting, reinforcing the company’s board composition, and ratified the appointment of CohnReznick LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, signaling continued confidence in the firm’s financial reporting and oversight framework.

The most recent analyst rating on (ULY) stock is a Hold 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.

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.