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Stock Ratings / Health Care / MDAI / dividends
SRTS (41) DXR (47) SNWV (51) DAVI (47) ⌘ Pro Terminal →

Spectral AI Inc. (Class A) (MDAI) Dividend Safety Gauge & 10-Year DRIP Compounder

$1.52 -0.65% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.52

Spectral AI Inc. (Class A) (MDAI) carries a Roarable Rating of E (Strong Sell) with 16/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $49.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MDAI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MDAI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Spectral AI Inc. (Class A) (NASDAQ: MDAI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 16/100 at a spot price of $1.52 (-0.65% 1D, market cap $49.2M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 4/20, FRED Macro Regime Fit 3/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, MDAI ranks #1011 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MDAI compare to SRTS and DXR in the Health Care sector?
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Within the Health Care sector (Medical/Dental Instruments), MDAI carries a Roarable E (16/100 RQD), trailing P/E of N/A, gross margin of 45.4%, and ROIC of -35.0%. By comparison, SRTS (Sensus Healthcare Inc.) holds a D- grade (41/100 RQD, P/E N/A, ROIC -31.3%, cap $45.4M) and DXR (Daxor Corporation) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $53.7M). Among the 5-stock peer group, SNWV leads on earnings multiple (3.8x) while SNWV leads on capital efficiency (67.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MDAI?
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Per MDAI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001833498), Spectral AI Inc. (Class A) generated $19.6M in revenue (-33.6% YoY), -$7.6M in net income, and -$9.9M in free cash flow against $21.4M in total assets and $5.5M in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $1.52 (-0.31%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (16/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-12.7% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • E
025507510016
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk E
Cash (3)Whales (6)SEC (4)Macro (3)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-19.1% Base Target
$3 Bull$1 Base$1 Bear
📬 FREE MDAI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MDAI)Realized 20D OHLCV Swing Band: ±8%
Deterministic 5-Pillar Attribution (16/100 Composite)
🔍 WHY MDAI SCORES 16/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+6/20 pts (38% of score)

20D Institutional Volume Accumulation (±8% realized swing band)

▲ #2 Bullish Driver: Cash Engine Quality+4/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 45.4% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
24
Grade E$1.56-3.2% Next Q
Q2 (-2Q)
21
Grade E$1.51+1.3% Next Q
Q3 (-1Q)
19
Grade E$1.53-0.7% Next Q
Current
16
Grade E$1.52-12.7% Hist 90D α
Trajectory: E (24) → E (16)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MDAI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MDAI currently carries a cautious 16/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Health Care with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.58) and Max Pain ($1.60) forces dealer call-delta covering toward $3.12.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MDAI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MDAI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 18%NO 82%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
0.6% Total Yield
0% Cash ($0.00/yr) + 0.6% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $102/yr
$10.6K
Yr 1
$11.1K
Yr 2
$11.7K
Yr 3
$12.4K
Yr 4
$13.1K
Yr 5
$13.8K
Yr 6
$14.5K
Yr 7
$15.3K
Yr 8
$16.2K
Yr 9
$17.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MDAI)

  • ✓Walkthrough of MDAI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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MDAI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -33.04%🛡️ HOLDING TREND SUPPORT
2026-11-03O $1.57H $1.57L $1.52C $1.52VOL 120.8K
RES: $1.81SUP: $1.41SMA50: $1.58SMA200: $1.70
$3.08$2.63$2.18$1.74$1.29RES $1.81SUP $1.41$1.522026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MDAI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MDAI Butterfly Map → + Track MDAI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -33.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MDAI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MDAI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MDAI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MDAI)

Health Care Rank #1011 of 1015 ⚔️ SRTS vs MDAI Full Matrix →

1. Head-to-Head Health Care Peer Comparison (MDAI vs. SRTS, DXR, SNWV, DAVI)

Industry: Medical/Dental Instruments (120 Tracked Issuers)

Across 1015 tracked Health Care securities in the Roarable RQD universe, Spectral AI Inc. (Class A) (MDAI) ranks #1011 by composite RQD confidence (16/100, grade E) and #748 by equity capitalization ($49.2M). Within this direct 5-issuer industry benchmark cohort, SNWV leads on earnings valuation at 3.8x trailing P/E, while SNWV leads on capital efficiency and profitability with 67.3% ROIC and 77.1% gross margin. SNWV currently holds the highest overall quantitative score in the immediate peer group at 51/100 (D) compared with MDAI at 16/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MDAI ACTIVE
Spectral AI Inc. (Class A)
E 16/100 — 45.4% -35.0% -0.65% $49.2M Benchmark Subject
SRTS
Sensus Healthcare Inc.
D- 41/100 — 43.2% -31.3% -0.36% $45.4M /srts-vs-mdai →
DXR
Daxor Corporation
D 47/100 — — — -2.17% $53.7M /dxr-vs-mdai →
SNWV
SANUWAVE Health Inc.
D 51/100 3.8x 77.1% 67.3% +13.59% $44.3M /snwv-vs-mdai →
DAVI
Davion Healthcare Plc
D 47/100 — — — -11.31% $42.0M /davi-vs-mdai →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001833498 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Spectral AI Inc. (Class A) (MDAI) reported GAAP revenue of $19.6M (-33.6% vs. FY2024 revenue of $29.6M , and +8.8% cumulative change since FY2023) , GAAP net income of -$7.6M, operating cash flow of -$9.9M, and free cash flow of -$9.9M (-7.8% YoY). On the balance sheet, MDAI closed FY2025 with $21.4M in total assets against $5.5M in total debt (Altman Z-Score: 0.20, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $19.6M -$7.6M -$9.9M -$9.9M $21.4M $5.5M
FY2024 (FY) 2024-12-31 $29.6M -$15.2M -$9.2M -$9.2M $12.1M —
FY2023 (FY) 2023-12-31 $18.1M -$20.9M -$13.2M -$13.2M — —

3. MDAI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MDAI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Spectral AI Inc. (Class A) (NASDAQ: MDAI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 16/100 at a spot price of $1.52 (-0.65% 1D, market cap $49.2M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 4/20, FRED Macro Regime Fit 3/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, MDAI ranks #1011 in composite RQD confidence.

How does MDAI compare to SRTS and DXR in the Health Care sector?

Within the Health Care sector (Medical/Dental Instruments), MDAI carries a Roarable E (16/100 RQD), trailing P/E of N/A, gross margin of 45.4%, and ROIC of -35.0%. By comparison, SRTS (Sensus Healthcare Inc.) holds a D- grade (41/100 RQD, P/E N/A, ROIC -31.3%, cap $45.4M) and DXR (Daxor Corporation) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $53.7M). Among the 5-stock peer group, SNWV leads on earnings multiple (3.8x) while SNWV leads on capital efficiency (67.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MDAI?

Per MDAI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001833498), Spectral AI Inc. (Class A) generated $19.6M in revenue (-33.6% YoY), -$7.6M in net income, and -$9.9M in free cash flow against $21.4M in total assets and $5.5M in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MDAI trading relative to its 50-day, 200-day, and 52-week technical levels?

MDAI last traded at $1.52 (-0.65% on volume of 131,796 shares), positioning the stock -3.80% below its 50-day simple moving average ($1.58) and -10.59% below its 200-day simple moving average ($1.70). Across its 52-week range of $1.18 to $2.97, MDAI sits at the 19.0% percentile with a 14-day RSI of 46.1 (NEUTRAL RANGE) and an implied next-earnings move of ±8.0% ($1.40 to $1.64).

Direct Sub-Reports: MDAI RQD Cockpit MDAI 12M Forecast MDAI Earnings & Move MDAI Dividends & DRIP MDAI Insiders & 13F MDAI Whale Options MDAI Profit Sankey MDAI News & Why
ROARABLE RATING BRIEF • RQD 16/100 (E) ✓ SEC XBRL & RQD VERIFIED

MDAI — Spectral AI Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Spectral AI Inc. (Class A) (MDAI) earns a live Roarable RQD composite score of 16/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $1.52 (-0.65% 1D, market capitalization $49.2M).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of 45.4%, operating margin of -43.8%, and free cash flow yield of -19.63%.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (3/20) + Forensic Balance Sheet (4/20): Incorporates a 1.00x equity beta, Altman Z-Score of 0.20, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Spectral AI Inc. (Class A) is listed on NASDAQ under the ticker MDAI and is classified in the Health Care sector and the Medical/Dental Instruments industry. The profile does not describe its products, customers, or revenue model. Revenue for FY 2025 is reported at $19. Gross margin is reported at 45.4% per market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Spectral AI Inc. (Class A) (MDAI) reported $19.6M in annual revenue (up from $29.6M in FY2024, -33.6% YoY) and -$7.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($18.1M revenue, -$20.9M net income) through FY2025, MDAI scaled operating cash flow to -$9.9M and free cash flow to -$9.9M, backed by $21.4M in total assets against $5.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (E • RQD 16/100): Established market leader in Health Care with deep daily trading liquidity. Free cash flow yield of -19.63% and institutional whale pillar of 6/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $1.18 – $2.97 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -43.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream suppliers, downstream customers, and sector correlations beyond the Health Care sector and Medical/Dental Instruments industry classification are — A prospective investor would need external supply-chain disclosure to assess second-order bottlenecks.

  • Key Question #1: Can MDAI sustain or expand its -43.8% operating margin and -35.0% ROIC against Medical/Dental Instruments peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $19.6M and free cash flow of -$9.9M, how will capital allocation balance growth reinvestment against $5.5M in total debt?
  • Key Question #3: How sensitive is MDAI's equity valuation to Health Care capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MDAI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Spectral AI Inc. (Class A) (MDAI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MDAI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MDAI Bull vs. Bear Conversation Board — What's Your Call at $1.52?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MDAI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MDAI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $1.88 (+22.9%)
📌 Pinned Debate

Cash of $15.4M exceeds reported debt of $5.5M in FY 2025 while market data shows gross margin of 45.4%.

The street is overcomplicating Spectral AI Inc. (Class A) (MDAI). Cash of $15.4M exceeds reported debt of $5.5M in FY 2025 while market data shows gross margin of 45.4%.. With an RQD score of 16/100 (E) and Forensic Balance Sheet at 4/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $1.65.

RetailWhale_TX 🐂 BULL

Both sides have a point here — MDAI's 4/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $1.32 (-13.7%)
Spot @ $1.53

Operating margin of -43.8%, ROIC of -35%, and Altman Z-Score of 0.2 signal severe cash burn and financial distress.

I respect the product at Spectral AI Inc. (Class A), but the stock at $1.53 is a different story. Operating margin of -43.8%, ROIC of -35%, and Altman Z-Score of 0.2 signal severe cash burn and financial distress.. FCF yield is -19.63% and RQD sits at 16/100 (E) — why pay up here when you can wait for next quarter's numbers?

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