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Lipella Pharmaceuticals Inc.. (LIPO) Stock Fundamental Analysis & AI Rating 2026

LIPO OTC Pharmaceutical Preparations DE CIK: 0001347242
Recently Updated • Analysis: Apr 12, 2026 • SEC Data: 2025-09-30
Combined AI Rating
STRONG SELL
85% Confidence
STRONG AGREEMENT
STRONG SELL
90% Conf
STRONG SELL
80% Conf

📊 LIPO Key Takeaways

Revenue: $216.1K
Net Margin: -1,799.1%
Free Cash Flow: $-3.8M
Current Ratio: 3.24x
Debt/Equity: 0.00x
EPS: $-1.07
AI Rating: STRONG SELL with 90% confidence
Lipella Pharmaceuticals Inc.. (LIPO) receives a STRONG SELL rating with 85% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $216.1K, net profit margin of -1,799.1%, and return on equity (ROE) of -261.4%, Lipella Pharmaceuticals Inc.. demonstrates mixed fundamentals in the Healthcare sector. Below is our complete LIPO stock analysis for 2026.

Is Lipella Pharmaceuticals Inc.. (LIPO) a Good Investment?

Claude

Lipella Pharmaceuticals faces imminent liquidity crisis with only ~5-6 months of cash runway at current burn rates ($3.8-4.0M annually) against minimal cash reserves of $1.9M. Despite 19.3% YoY revenue growth, the company remains pre-commercial with $216K in revenue against $4.0M in operating losses, demonstrating no viable path to profitability without significant capital infusion.

ChatGPT

Lipella shows minimal revenue and extremely negative profitability (operating and net margins below -1,700%), with ROE/ROA deeply negative. Although debt-free with solid near-term liquidity, its ~$3.8M operating cash burn far exceeds the ~$1.9M cash balance, implying a short runway and likely dilutive financing. Until losses narrow materially or non-dilutive funding materializes, fundamentals remain unfavorable.

Why Buy Lipella Pharmaceuticals Inc.. Stock? LIPO Key Strengths

Claude
  • + Positive revenue growth trajectory (+19.3% YoY)
  • + Solid current ratio of 3.24x provides near-term liquidity cushion
  • + Minimal debt burden with 0.00x debt-to-equity ratio
ChatGPT
  • + Debt-free balance sheet with strong liquidity (current/quick ratio 3.24x)
  • + Cash comprises most assets and capex needs are minimal
  • + Positive YoY revenue growth (+19.3%) from a low base

LIPO Stock Risks: Lipella Pharmaceuticals Inc.. Investment Risks

Claude
  • ! Critical cash runway of only 5-6 months at current operating burn rate
  • ! Massive operating losses ($4.0M) relative to negligible revenue ($216K)
  • ! Pre-commercial stage with no approved revenue-generating products evident
  • ! Deeply negative profitability metrics (Operating Margin -1831.7%, Net Margin -1799.1%)
  • ! Going concern risk without near-term financing or major business inflection
ChatGPT
  • ! Severe and persistent operating losses with extreme negative margins
  • ! Cash burn outpacing cash on hand, implying near-term dilution risk
  • ! Early-stage pharma execution/regulatory risk with limited revenue visibility

Key Metrics to Watch

Claude
  • * Cash burn rate and remaining runway
  • * Revenue monetization and clinical trial progress
  • * Equity financing announcements or partnerships
ChatGPT
  • * Quarterly operating cash flow and cash runway
  • * Share count and additional paid-in capital (dilution)

Lipella Pharmaceuticals Inc.. (LIPO) Financial Metrics & Key Ratios

Revenue
$216.1K
Net Income
$-3.9M
EPS (Diluted)
$-1.07
Free Cash Flow
$-3.8M
Total Assets
$2.3M
Cash Position
$1.9M

💡 AI Analyst Insight

Strong liquidity with a 3.24x current ratio provides a solid financial cushion.

LIPO Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin -1,831.7%
Net Margin -1,799.1%
ROE -261.4%
ROA -165.5%
FCF Margin -1,758.2%

LIPO vs Healthcare Sector: How Lipella Pharmaceuticals Inc.. Compares

How Lipella Pharmaceuticals Inc.. compares to Healthcare sector averages

Net Margin
LIPO -1,799.1%
vs
Sector Avg 12.0%
LIPO Sector
ROE
LIPO -261.4%
vs
Sector Avg 15.0%
LIPO Sector
Current Ratio
LIPO 3.2x
vs
Sector Avg 2.0x
LIPO Sector
Debt/Equity
LIPO 0.0x
vs
Sector Avg 0.6x
LIPO Sector

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

Is Lipella Pharmaceuticals Inc.. Stock Overvalued? LIPO Valuation Analysis 2026

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

Return on Equity
-261.4%
Sector avg: 15%
Net Profit Margin
-1,799.1%
Sector avg: 12%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.00x
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.

Lipella Pharmaceuticals Inc.. Balance Sheet: LIPO Debt, Cash & Liquidity

Current Ratio
3.24x
Quick Ratio
3.24x
Debt/Equity
0.00x
Debt/Assets
36.7%
Interest Coverage
-364.92x
Long-term Debt
N/A

LIPO Revenue & Earnings Growth: 5-Year Financial Trend

LIPO 5-year financial data: Year 2022: Revenue $259.3K, Net Income -$1.9M, EPS $-0.55. Year 2023: Revenue $449.6K, Net Income -$2.6M, EPS $-0.64. Year 2024: Revenue $536.4K, Net Income -$4.6M, EPS $-6.16.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Lipella Pharmaceuticals Inc..'s revenue has grown significantly by 107% over the 5-year period, indicating strong business expansion. The most recent EPS of $-6.16 indicates the company is currently unprofitable.

LIPO 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
-1,758.2%
Free cash flow / Revenue

LIPO Quarterly Earnings & Performance

Quarterly financial performance data for Lipella Pharmaceuticals Inc.. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $80.4K -$938.1K $-0.28
Q2 2025 $86.7K -$938.1K $-0.31
Q1 2025 $129.4K -$1.2M $-0.64
Q3 2024 $80.4K -$938.1K $-1.29
Q2 2024 $106.7K -$938.1K $-0.12
Q1 2024 $118.0K -$1.1M $-0.16
Q3 2023 $33.1K -$713.8K $-0.17
Q2 2023 $33.1K -$738.0K $-0.20

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

Lipella Pharmaceuticals Inc.. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
-$3.8M
Cash generated from operations
Capital Expenditures
$14.4K
Investment in assets
Dividends
None
No dividend program

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

Access official SEC EDGAR filings for Lipella Pharmaceuticals Inc.. (CIK: 0001347242)

📋 Recent SEC Filings

Date Form Document Action
Mar 31, 2026 8-K g085465_8k.htm View →
Feb 4, 2026 8-K g085113_8k.htm View →
Nov 14, 2025 10-Q g084988_10q.htm View →
Oct 21, 2025 8-K g084980_8k.htm View →
Oct 9, 2025 8-K g084974_8k.htm View →

Frequently Asked Questions about LIPO

What is the AI rating for LIPO?

Lipella Pharmaceuticals Inc.. (LIPO) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 85% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are LIPO's key strengths?

Claude: Positive revenue growth trajectory (+19.3% YoY). Solid current ratio of 3.24x provides near-term liquidity cushion. ChatGPT: Debt-free balance sheet with strong liquidity (current/quick ratio 3.24x). Cash comprises most assets and capex needs are minimal.

What are the risks of investing in LIPO?

Claude: Critical cash runway of only 5-6 months at current operating burn rate. Massive operating losses ($4.0M) relative to negligible revenue ($216K). ChatGPT: Severe and persistent operating losses with extreme negative margins. Cash burn outpacing cash on hand, implying near-term dilution risk.

What is LIPO's revenue and growth?

Lipella Pharmaceuticals Inc.. reported revenue of $216.1K.

Does LIPO pay dividends?

Lipella Pharmaceuticals Inc.. does not currently pay dividends.

Where can I find LIPO SEC filings?

Official SEC filings for Lipella Pharmaceuticals Inc.. (CIK: 0001347242) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is LIPO's EPS?

Lipella Pharmaceuticals Inc.. has a diluted EPS of $-1.07.

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 LIPO a good stock to buy right now?

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

Is LIPO stock overvalued or undervalued?

Valuation metrics for LIPO: ROE of -261.4% (sector avg: 15%), net margin of -1,799.1% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.

Should I buy LIPO stock in 2026?

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

What is LIPO's free cash flow?

Lipella Pharmaceuticals Inc..'s operating cash flow is $-3.8M, with capital expenditures of $14.4K. FCF margin is -1,758.2%.

How does LIPO compare to other Healthcare stocks?

Vs Healthcare sector averages: Net margin -1,799.1% (avg: 12%), ROE -261.4% (avg: 15%), current ratio 3.24 (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: Apr 12, 2026 | Data as of: 2025-09-30 | Powered by Claude AI