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American Well Corp (AMWL) Stock Fundamental Analysis & AI Rating 2026

AMWL NYSE Services-Business Services, NEC DE CIK: 0001393584
Updated This Month • Analysis: Mar 19, 2026 • SEC Data: 2025-12-31
Combined AI Rating
SELL
85% Confidence
STRONG AGREEMENT
SELL
92% Conf
SELL
78% Conf

📊 AMWL Key Takeaways

Revenue: $249.3M
Net Margin: -38.4%
Free Cash Flow: $-66.0M
Current Ratio: 3.37x
Debt/Equity: 0.00x
EPS: $-5.96
AI Rating: SELL with 92% confidence
American Well Corp (AMWL) receives a SELL rating with 85% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $249.3M, net profit margin of -38.4%, and return on equity (ROE) of -40.6%, American Well Corp demonstrates mixed fundamentals in the Services sector. Below is our complete AMWL stock analysis for 2026.

Is American Well Corp (AMWL) a Good Investment?

Claude

American Well exhibits severe profitability challenges with operating losses of $105.3M despite 4721.6% revenue growth, indicating the growth is not translating into operational efficiency or profitability. Negative operating cash flow of -$66.0M and deteriorating net margins of -38.4% signal structural business model issues that require fundamental resolution.

ChatGPT

American Well shows solid balance sheet liquidity with substantial cash and no meaningful debt, which reduces near-term financial distress risk. However, the core fundamentals remain weak: operating losses are large, margins are deeply negative, and free cash flow is materially negative, indicating the business has not yet demonstrated durable profitability despite reported revenue growth. The extreme revenue increase also raises questions about growth quality and comparability, so the current fundamental profile remains unfavorable.

Why Buy American Well Corp Stock? AMWL Key Strengths

Claude
  • + Exceptional revenue growth of 4721.6% YoY demonstrates significant market demand and business scaling
  • + Strong balance sheet with $182.3M cash and minimal debt (0.00x debt-to-equity), providing financial runway
  • + Excellent liquidity position with 3.37x current ratio and 3.35x quick ratio, ensuring near-term solvency
ChatGPT
  • + Strong liquidity with $182.33M in cash and current ratio of 3.37x
  • + Debt-free balance sheet provides financial flexibility
  • + Net loss and diluted EPS showed modest year-over-year improvement

AMWL Stock Risks: American Well Corp Investment Risks

Claude
  • ! Severe and worsening profitability: -$105.3M operating loss and -38.4% net margin indicate inability to monetize growth
  • ! Negative operating cash flow of -$66.0M means the company is burning cash from operations despite massive revenue growth
  • ! Deteriorating return metrics: -40.6% ROE and -29.6% ROA show shareholder capital is being destroyed despite growth
  • ! 12 Form 4 insider filings suggest potential insider activity that may indicate lack of confidence in the business trajectory
ChatGPT
  • ! Large operating and net losses with operating margin of -42.2% and net margin of -38.4%
  • ! Ongoing cash burn with negative operating cash flow and free cash flow near -$66M
  • ! Reported revenue surge appears low quality or non-comparable given lack of corresponding profitability improvement

Key Metrics to Watch

Claude
  • * Path to operating profitability and timeline for positive operating cash flow
  • * Gross margin trends and cost structure improvements as revenue scales
  • * Cash burn rate and remaining runway given current cash position and negative operating cash flow
  • * Operating leverage improvements and operating margin trajectory
ChatGPT
  • * Operating cash flow and free cash flow trend
  • * Operating margin improvement toward breakeven

American Well Corp (AMWL) Financial Metrics & Key Ratios

Revenue
$249.3M
Net Income
$-95.7M
EPS (Diluted)
$-5.96
Free Cash Flow
$-66.0M
Total Assets
$323.8M
Cash Position
$182.3M

💡 AI Analyst Insight

Strong liquidity with a 3.37x current ratio provides a solid financial cushion.

AMWL Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin -42.2%
Net Margin -38.4%
ROE -40.6%
ROA -29.6%
FCF Margin -26.5%

AMWL vs Services Sector: How American Well Corp Compares

How American Well Corp compares to Services sector averages

Net Margin
AMWL -38.4%
vs
Sector Avg 10.0%
AMWL Sector
ROE
AMWL -40.6%
vs
Sector Avg 16.0%
AMWL Sector
Current Ratio
AMWL 3.4x
vs
Sector Avg 1.5x
AMWL Sector
Debt/Equity
AMWL 0.0x
vs
Sector Avg 0.7x
AMWL Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is American Well Corp Stock Overvalued? AMWL Valuation Analysis 2026

Based on fundamental analysis, American Well Corp has mixed fundamental signals relative to the Services sector in 2026.

Return on Equity
-40.6%
Sector avg: 16%
Net Profit Margin
-38.4%
Sector avg: 10%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.00x
Sector avg: 0.7x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

American Well Corp Balance Sheet: AMWL Debt, Cash & Liquidity

Current Ratio
3.37x
Quick Ratio
3.35x
Debt/Equity
0.00x
Debt/Assets
23.5%
Interest Coverage
N/A
Long-term Debt
N/A

AMWL Revenue & Earnings Growth: 5-Year Financial Trend

AMWL 5-year financial data: Year 2021: Revenue $252.8M, Net Income -$87.2M, EPS N/A. Year 2022: Revenue $277.2M, Net Income -$224.4M, EPS $-2.27. Year 2023: Revenue $277.2M, Net Income -$176.3M, EPS $-0.69. Year 2024: Revenue $277.2M, Net Income -$270.4M, EPS $-19.72. Year 2025: Revenue $259.0M, Net Income -$675.2M, EPS $-47.50.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: American Well Corp's revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $-47.50 indicates the company is currently unprofitable.

AMWL Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
-26.5%
Free cash flow / Revenue

AMWL Quarterly Earnings & Performance

Quarterly financial performance data for American Well Corp including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $56.3M -$32.4M $-2.00
Q2 2025 $62.8M -$19.7M $-1.24
Q1 2025 $59.5M -$18.7M $-1.19
Q3 2024 $61.0M -$43.5M $-2.87
Q2 2024 $62.4M -$49.9M $-3.36
Q1 2024 $59.5M -$72.1M $-0.25
Q3 2023 $61.9M -$70.1M $-0.25
Q2 2023 $62.4M -$69.1M $-0.25

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

American Well Corp Dividends, Buybacks & Capital Allocation

Operating Cash Flow
-$66.0M
Cash generated from operations
Stock Buybacks
$4.0K
Shares repurchased (TTM)
Capital Expenditures
$21.0K
Investment in assets
Dividends
None
No dividend program

AMWL SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for American Well Corp (CIK: 0001393584)

📋 Recent SEC Filings

Date Form Document Action
Apr 2, 2026 4 xslF345X06/ownership.xml View →
Apr 2, 2026 4 xslF345X06/ownership.xml View →
Apr 2, 2026 4 xslF345X06/ownership.xml View →
Apr 2, 2026 8-K amwl-20260401.htm View →
Mar 6, 2026 4 xslF345X05/ownership.xml View →

Frequently Asked Questions about AMWL

What is the AI rating for AMWL?

American Well Corp (AMWL) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 85% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are AMWL's key strengths?

Claude: Exceptional revenue growth of 4721.6% YoY demonstrates significant market demand and business scaling. Strong balance sheet with $182.3M cash and minimal debt (0.00x debt-to-equity), providing financial runway. ChatGPT: Strong liquidity with $182.33M in cash and current ratio of 3.37x. Debt-free balance sheet provides financial flexibility.

What are the risks of investing in AMWL?

Claude: Severe and worsening profitability: -$105.3M operating loss and -38.4% net margin indicate inability to monetize growth. Negative operating cash flow of -$66.0M means the company is burning cash from operations despite massive revenue growth. ChatGPT: Large operating and net losses with operating margin of -42.2% and net margin of -38.4%. Ongoing cash burn with negative operating cash flow and free cash flow near -$66M.

What is AMWL's revenue and growth?

American Well Corp reported revenue of $249.3M.

Does AMWL pay dividends?

American Well Corp does not currently pay dividends.

Where can I find AMWL SEC filings?

Official SEC filings for American Well Corp (CIK: 0001393584) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is AMWL's EPS?

American Well Corp has a diluted EPS of $-5.96.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is AMWL a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, American Well Corp has a SELL rating with 85% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is AMWL stock overvalued or undervalued?

Valuation metrics for AMWL: ROE of -40.6% (sector avg: 16%), net margin of -38.4% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.

Should I buy AMWL stock in 2026?

Our dual AI analysis gives American Well Corp a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is AMWL's free cash flow?

American Well Corp's operating cash flow is $-66.0M, with capital expenditures of $21.0K. FCF margin is -26.5%.

How does AMWL compare to other Services stocks?

Vs Services sector averages: Net margin -38.4% (avg: 10%), ROE -40.6% (avg: 16%), current ratio 3.37 (avg: 1.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 19, 2026 | Data as of: 2025-12-31 | Powered by Claude AI