CarePayment Technologies

CPYT

Medical - Specialties · Healthcare

Price

$0.00

+0.00 (+0.00%)

Market Cap

$1,667

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count rising — dilution

+6492.6% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 183K (2008) → 12.0M (2012)

CarePayment Technologies helps patients pay their medical bills over time. The company offers a zero-interest financing program that lets people spread out healthcare costs into smaller monthly payments. Hospitals, health systems, and medical providers use CarePayment's platform to offer this option to their patients, helping facilities collect money they might otherwise never receive.

CarePayment earns revenue by working with healthcare providers on a fee or program basis, taking a share of the payments it helps collect. The company operates primarily in the United States, serving a niche in the patient financing space where medical debt is a widespread problem. Its gross margin of just 2.4% and deeply negative operating margin signal that the business is spending far more than it earns, which is a serious financial concern. The main risk is whether the company can scale its provider network fast enough to reach profitability before it runs out of runway.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-373.3% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (18%)

Research and development spending

Insider Activity

93.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~0 months

$263,294 cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Short runway — potential dilution ahead through share issuance

Cash watch

CarePayment Technologies has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

-3.6%

Thin — -3.6% gross margin

Operating Margin

-97.5%

Losing money on operations — -97.5%

ROCE

-25.8%

Weak — -25.8% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-16.5%

Shrinking sales (-16.5% YoY)

EPS YoY

N/A

—

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

—

Data not available

FCF Margin

-89.4%

Burning cash (-89.4%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

—

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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