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Carlsmed, Inc.. (CARL) Stock Fundamental Analysis & AI Rating 2026

CARL Nasdaq Surgical & Medical Instruments & Apparatus DE CIK: 0001794546
Updated This Month • Analysis: Mar 21, 2026 • SEC Data: 2025-12-31
Combined AI Rating
SELL
80% Confidence
AGREEMENT
SELL
85% Conf
HOLD
76% Conf

📊 CARL Key Takeaways

Revenue: $50.5M
Net Margin: -58.7%
Free Cash Flow: $-29.6M
Current Ratio: 8.87x
Debt/Equity: 0.16x
EPS: $-2.12
AI Rating: SELL with 85% confidence
Carlsmed, Inc.. (CARL) receives a SELL rating with 80% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $50.5M, net profit margin of -58.7%, and return on equity (ROE) of -30.0%, Carlsmed, Inc.. demonstrates mixed fundamentals in the Healthcare sector. Below is our complete CARL stock analysis for 2026.

Is Carlsmed, Inc.. (CARL) a Good Investment?

Claude

CarlsMed exhibits strong revenue growth (+85.9% YoY) and excellent gross margins (75.3%), indicating solid product-market fit and pricing power in the medical device sector. However, the company is deeply unprofitable with a -58.7% net margin, negative operating cash flow of -29.6M, and deteriorating cash position despite strong liquidity, suggesting unsustainable cash burn that will erode the substantial equity base if profitability is not achieved soon.

ChatGPT

CARLSMED is delivering very strong top-line growth and maintains an unusually strong cash position with low leverage, which gives it time to scale its platform. However, the business is still deeply unprofitable, with severely negative operating and free cash flow margins, so the core fundamental question is whether revenue growth can translate into materially better operating leverage. The company’s fundamentals support patience rather than outright conviction until loss compression becomes clearer.

Why Buy Carlsmed, Inc.. Stock? CARL Key Strengths

Claude
  • + Exceptional revenue growth of 85.9% YoY demonstrates strong market demand
  • + Industry-leading gross margin of 75.3% indicates pricing power and operational efficiency in manufacturing
  • + Fortress balance sheet with $85.8M cash, minimal debt (0.16x D/E ratio), and current ratio of 8.87x provides substantial runway
ChatGPT
  • + Revenue growth is exceptionally strong at +85.9% YoY, indicating rising commercial adoption
  • + Gross margin of 75.3% suggests an attractive product mix and solid underlying unit economics before operating expenses
  • + Balance sheet is strong with $85.79M in cash, an 8.87x current ratio, and low debt-to-equity of 0.16x

CARL Stock Risks: Carlsmed, Inc.. Investment Risks

Claude
  • ! Operating losses of -$30.6M on $50.5M revenue indicate severe profitability challenges despite gross margin strength
  • ! Negative operating cash flow of -$29.6M and free cash flow burn at -58.6% margin unsustainable; cash depletion at current burn rate in ~2.9 years
  • ! High operating expenses relative to revenue suggest inability to scale profitably; improvement in R&D and SG&A discipline required immediately
ChatGPT
  • ! Operating margin of -60.5% and net margin of -58.7% show the company is still far from sustainable profitability
  • ! Free cash flow of -$29.62M and negative operating cash flow indicate continued cash burn
  • ! Negative returns on equity and assets suggest capital is not yet being converted into efficient earnings growth

Key Metrics to Watch

Claude
  • * Path to operating profitability and reduction of operating margin from -60.5% to breakeven
  • * Operating cash flow inflection; currently burning $29M annually with negative FCF trajectory
  • * Cash balance runway and quarterly burn rate; assess if current $85.8M cash survives to profitability
ChatGPT
  • * Operating expense growth relative to revenue growth, especially sales and marketing and R&D leverage
  • * Quarterly free cash flow burn and cash runway versus progress in operating margin improvement

Carlsmed, Inc.. (CARL) Financial Metrics & Key Ratios

Revenue
$50.5M
Net Income
$-29.6M
EPS (Diluted)
$-2.12
Free Cash Flow
$-29.6M
Total Assets
$130.1M
Cash Position
$85.8M

💡 AI Analyst Insight

Strong liquidity with a 8.87x current ratio provides a solid financial cushion.

CARL Profit Margin, ROE & Profitability Analysis

Gross Margin 75.3%
Operating Margin -60.5%
Net Margin -58.7%
ROE -30.0%
ROA -22.8%
FCF Margin -58.6%

CARL vs Healthcare Sector: How Carlsmed, Inc.. Compares

How Carlsmed, Inc.. compares to Healthcare sector averages

Net Margin
CARL -58.7%
vs
Sector Avg 12.0%
CARL Sector
ROE
CARL -30.0%
vs
Sector Avg 15.0%
CARL Sector
Current Ratio
CARL 8.9x
vs
Sector Avg 2.0x
CARL Sector
Debt/Equity
CARL 0.2x
vs
Sector Avg 0.6x
CARL Sector

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

Is Carlsmed, Inc.. Stock Overvalued? CARL Valuation Analysis 2026

Based on fundamental analysis, Carlsmed, Inc.. has mixed fundamental signals relative to the Healthcare sector in 2026.

Return on Equity
-30.0%
Sector avg: 15%
Net Profit Margin
-58.7%
Sector avg: 12%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.16x
Sector avg: 0.6x

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.

Carlsmed, Inc.. Balance Sheet: CARL Debt, Cash & Liquidity

Current Ratio
8.87x
Quick Ratio
8.74x
Debt/Equity
0.16x
Debt/Assets
24.0%
Interest Coverage
-21.38x
Long-term Debt
$15.3M

CARL Revenue & Earnings Growth: 5-Year Financial Trend

CARL 5-year financial data: Year 2025: Revenue $50.5M, Net Income -$24.3M, EPS $-6.11.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Carlsmed, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-6.11 indicates the company is currently unprofitable.

CARL 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
-58.6%
Free cash flow / Revenue

CARL Quarterly Earnings & Performance

Quarterly financial performance data for Carlsmed, Inc.. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $6.6M -$5.4M $-0.40
Q2 2025 $6.1M -$5.4M $-1.47

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

Carlsmed, Inc.. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
-$29.0M
Cash generated from operations
Capital Expenditures
$642.0K
Investment in assets
Dividends
None
No dividend program

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

Access official SEC EDGAR filings for Carlsmed, Inc.. (CIK: 0001794546)

📋 Recent SEC Filings

Date Form Document Action
Mar 4, 2026 4 xslF345X05/ownership.xml View →
Feb 25, 2026 10-K carl-20251231.htm View →
Feb 25, 2026 8-K carl-20260225.htm View →
Jan 30, 2026 4 xslF345X05/ownership.xml View →
Jan 30, 2026 4 xslF345X05/ownership.xml View →

Frequently Asked Questions about CARL

What is the AI rating for CARL?

Carlsmed, Inc.. (CARL) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are CARL's key strengths?

Claude: Exceptional revenue growth of 85.9% YoY demonstrates strong market demand. Industry-leading gross margin of 75.3% indicates pricing power and operational efficiency in manufacturing. ChatGPT: Revenue growth is exceptionally strong at +85.9% YoY, indicating rising commercial adoption. Gross margin of 75.3% suggests an attractive product mix and solid underlying unit economics before operating expenses.

What are the risks of investing in CARL?

Claude: Operating losses of -$30.6M on $50.5M revenue indicate severe profitability challenges despite gross margin strength. Negative operating cash flow of -$29.6M and free cash flow burn at -58.6% margin unsustainable; cash depletion at current burn rate in ~2.9 years. ChatGPT: Operating margin of -60.5% and net margin of -58.7% show the company is still far from sustainable profitability. Free cash flow of -$29.62M and negative operating cash flow indicate continued cash burn.

What is CARL's revenue and growth?

Carlsmed, Inc.. reported revenue of $50.5M.

Does CARL pay dividends?

Carlsmed, Inc.. does not currently pay dividends.

Where can I find CARL SEC filings?

Official SEC filings for Carlsmed, Inc.. (CIK: 0001794546) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is CARL's EPS?

Carlsmed, Inc.. has a diluted EPS of $-2.12.

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 CARL a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Carlsmed, Inc.. has a SELL rating with 80% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is CARL stock overvalued or undervalued?

Valuation metrics for CARL: ROE of -30.0% (sector avg: 15%), net margin of -58.7% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.

Should I buy CARL stock in 2026?

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

What is CARL's free cash flow?

Carlsmed, Inc..'s operating cash flow is $-29.0M, with capital expenditures of $642.0K. FCF margin is -58.6%.

How does CARL compare to other Healthcare stocks?

Vs Healthcare sector averages: Net margin -58.7% (avg: 12%), ROE -30.0% (avg: 15%), current ratio 8.87 (avg: 2).

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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 21, 2026 | Data as of: 2025-12-31 | Powered by Claude AI