Cuprina Holdings (Cayman) Limited Financials
This page shows Cuprina Holdings (Cayman) Limited (CUPR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).
A tiny revenue base sits beneath a cash-burn model that currently depends on external financing to operate.
With only$36K of FY2024 revenue against-$909K of operating cash flow, the business was not funding itself through customers; the near match between that burn and$986K of financing inflow shows day-to-day operations were effectively supported by new capital. Because net loss at-$1.1M is close to cash burn, earnings quality is not the main distortion here; business scale versus overhead is.
This is a negative gross profit business at its current size: cost of revenue ran above sales, so the core activity lost money even before overhead. The much larger operating shortfall indicates a cost base led by SG&A and R&D, which together were about
The balance sheet is liquidity-constrained: cash was only
Financial Health Signals
Based on FY2024 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Cuprina Holdings (Cayman) Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Cuprina Holdings (Cayman) Limited has an operating margin of -3404.9%, meaning the company retains $-3405 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses.
Cuprina Holdings (Cayman) Limited's current ratio of 0.27 is below the typical benchmark, resulting in a score of 0/100. This tight liquidity could limit financial flexibility if cash inflows slow.
While Cuprina Holdings (Cayman) Limited generated -$909K in operating cash flow, capex of $16K consumed most of it, leaving -$925K in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
For every $1 of reported earnings, Cuprina Holdings (Cayman) Limited generates $0.79 in operating cash flow (-$909K OCF vs -$1.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Cuprina Holdings (Cayman) Limited earns $-922.6 in operating income for every $1 of interest expense (-$1.2M vs $1K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Cuprina Holdings (Cayman) Limited generated $36K in revenue in fiscal year 2024.
Cuprina Holdings (Cayman) Limited's EBITDA was -$1.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
Cuprina Holdings (Cayman) Limited reported -$1.1M in net income in fiscal year 2024.
Cuprina Holdings (Cayman) Limited earned $-6.38 per diluted share (EPS) in fiscal year 2024.
Cash & Balance Sheet
Cuprina Holdings (Cayman) Limited generated -$925K in free cash flow in fiscal year 2024, representing cash available after capex.
Cuprina Holdings (Cayman) Limited held $86K in cash against $120K in long-term debt as of fiscal year 2024.
Margins & Returns
Cuprina Holdings (Cayman) Limited's gross margin was -6.3% in fiscal year 2024, indicating the percentage of revenue retained after direct costs.
Cuprina Holdings (Cayman) Limited's operating margin was -3404.9% in fiscal year 2024, reflecting core business profitability.
Cuprina Holdings (Cayman) Limited's net profit margin was -3229.5% in fiscal year 2024, showing the share of revenue converted to profit.
Capital Allocation
Cuprina Holdings (Cayman) Limited invested $177K in research and development in fiscal year 2024.
Cuprina Holdings (Cayman) Limited invested $16K in capex in fiscal year 2024, funding long-term assets and infrastructure.
CUPR Income Statement
| Metric | Q4'24 |
|---|---|
| Revenue | N/A |
| Cost of Revenue | N/A |
| Gross Profit | N/A |
| R&D Expenses | N/A |
| SG&A Expenses | N/A |
| Operating Income | N/A |
| Interest Expense | N/A |
| Income Tax | N/A |
| Net Income | N/A |
| EPS (Diluted) | N/A |
CUPR Balance Sheet
| Metric | Q4'24 |
|---|---|
| Total Assets | $1.3M |
| Current Assets | $1.2M |
| Cash & Equivalents | $86K |
| Inventory | $1K |
| Accounts Receivable | $19K |
| Goodwill | N/A |
| Total Liabilities | $4.6M |
| Current Liabilities | $4.4M |
| Long-Term Debt | $120K |
| Total Equity | -$3.3M |
| Retained Earnings | -$3.4M |
CUPR Cash Flow Statement
| Metric | Q4'24 |
|---|---|
| Operating Cash Flow | N/A |
| Capital Expenditures | N/A |
| Free Cash Flow | N/A |
| Investing Cash Flow | N/A |
| Financing Cash Flow | N/A |
| Dividends Paid | N/A |
| Share Buybacks | N/A |
CUPR Financial Ratios
| Metric | Q4'24 |
|---|---|
| Gross Margin | N/A |
| Operating Margin | N/A |
| Net Margin | N/A |
| Return on Equity | N/A |
| Return on Assets | N/A |
| Current Ratio | 0.27 |
| Debt-to-Equity | -0.04 |
| FCF Margin | N/A |
Note: Shareholder equity is negative (-$3.3M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Note: The current ratio is below 1.0 (0.27), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Cuprina Holdings (Cayman) Limited's annual revenue?
Cuprina Holdings (Cayman) Limited (CUPR) reported $36K in total revenue for fiscal year 2024. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Is Cuprina Holdings (Cayman) Limited profitable?
No, Cuprina Holdings (Cayman) Limited (CUPR) reported a net income of -$1.1M in fiscal year 2024, with a net profit margin of -3229.5%.
What is Cuprina Holdings (Cayman) Limited's EBITDA?
Cuprina Holdings (Cayman) Limited (CUPR) had EBITDA of -$1.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cuprina Holdings (Cayman) Limited have?
As of fiscal year 2024, Cuprina Holdings (Cayman) Limited (CUPR) had $86K in cash and equivalents against $120K in long-term debt.
What is Cuprina Holdings (Cayman) Limited's gross margin?
Cuprina Holdings (Cayman) Limited (CUPR) had a gross margin of -6.3% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Cuprina Holdings (Cayman) Limited's operating margin?
Cuprina Holdings (Cayman) Limited (CUPR) had an operating margin of -3404.9% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Cuprina Holdings (Cayman) Limited's net profit margin?
Cuprina Holdings (Cayman) Limited (CUPR) had a net profit margin of -3229.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Cuprina Holdings (Cayman) Limited's free cash flow?
Cuprina Holdings (Cayman) Limited (CUPR) generated -$925K in free cash flow during fiscal year 2024. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Cuprina Holdings (Cayman) Limited's operating cash flow?
Cuprina Holdings (Cayman) Limited (CUPR) generated -$909K in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Cuprina Holdings (Cayman) Limited's total assets?
Cuprina Holdings (Cayman) Limited (CUPR) had $1.3M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Cuprina Holdings (Cayman) Limited's capital expenditures?
Cuprina Holdings (Cayman) Limited (CUPR) invested $16K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How much does Cuprina Holdings (Cayman) Limited spend on research and development?
Cuprina Holdings (Cayman) Limited (CUPR) invested $177K in research and development during fiscal year 2024.
What is Cuprina Holdings (Cayman) Limited's current ratio?
Cuprina Holdings (Cayman) Limited (CUPR) had a current ratio of 0.27 as of fiscal year 2024, which is below 1.0, which may suggest potential liquidity concerns.
What is Cuprina Holdings (Cayman) Limited's debt-to-equity ratio?
Cuprina Holdings (Cayman) Limited (CUPR) had a debt-to-equity ratio of -0.04 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cuprina Holdings (Cayman) Limited's return on assets (ROA)?
Cuprina Holdings (Cayman) Limited (CUPR) had a return on assets of -89.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Cuprina Holdings (Cayman) Limited's cash runway?
Based on fiscal year 2024 data, Cuprina Holdings (Cayman) Limited (CUPR) had $86K in cash against an annual operating cash burn of $909K. This gives an estimated cash runway of approximately 1 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
Why is Cuprina Holdings (Cayman) Limited's debt-to-equity ratio negative or unusual?
Cuprina Holdings (Cayman) Limited (CUPR) has negative shareholder equity of -$3.3M as of fiscal year 2024, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
Are Cuprina Holdings (Cayman) Limited's earnings high quality?
Cuprina Holdings (Cayman) Limited (CUPR) has an earnings quality ratio of 0.79x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Cuprina Holdings (Cayman) Limited cover its interest payments?
Cuprina Holdings (Cayman) Limited (CUPR) has an interest coverage ratio of -922.6x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Cuprina Holdings (Cayman) Limited?
Cuprina Holdings (Cayman) Limited (CUPR) scores 0 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.