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. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Cuprina’s visible mechanic is cash burn funded by new capital, because commercial revenue remains too small to carry overhead.
FY2025 looked stronger on the surface because cash rose to$2.42M and the current ratio improved to 2.4x from 0.3x, but that repair came from$9.51M of financing cash flow while operating cash burn widened to-$7.10M from-$909K . That means the healthier balance-sheet posture reflects fresh funding, not a business model that has begun to self-finance.
The core economics are not yet carrying the company: FY2025 revenue was only
Cash use is mostly operating, not capital-intensive expansion: FY2025 free cash flow of
Financial Health Signals
Based on FY2025 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 -9680.1%, meaning the company retains $-9680 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. This is down from -3404.9% the prior year.
Cuprina Holdings (Cayman) Limited's revenue grew 9.2% year-over-year to $39K, a solid pace of expansion. This earns a growth score of 49/100.
Cuprina Holdings (Cayman) Limited carries a low D/E ratio of 0.03, meaning only $0.03 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Cuprina Holdings (Cayman) Limited's current ratio of 2.35 indicates adequate short-term liquidity, earning a score of 44/100. The company can meet its near-term obligations, though with limited headroom.
While Cuprina Holdings (Cayman) Limited generated -$7.1M in operating cash flow, capex of $45K consumed most of it, leaving -$7.1M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Cuprina Holdings (Cayman) Limited generates a -92.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100.
Cuprina Holdings (Cayman) Limited passes 4 of 9 financial strength tests. 1 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Cuprina Holdings (Cayman) Limited generates $1.95 in operating cash flow (-$7.1M OCF vs -$3.6M 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 $-328.0 in operating income for every $1 of interest expense (-$3.8M vs $11K). 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 $39K in revenue in fiscal year 2025. This represents an increase of 9.2% from the prior year.
Cuprina Holdings (Cayman) Limited's EBITDA was -$3.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 216.2% from the prior year.
Cuprina Holdings (Cayman) Limited reported -$3.6M in net income in fiscal year 2025. This represents a decrease of 216.7% from the prior year.
Cuprina Holdings (Cayman) Limited earned $-17.75 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 178.2% from the prior year.
Cash & Balance Sheet
Cuprina Holdings (Cayman) Limited generated -$7.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 672.8% from the prior year.
Cuprina Holdings (Cayman) Limited held $2.4M in cash against $98K in long-term debt as of fiscal year 2025.
Cuprina Holdings (Cayman) Limited had 7M shares outstanding in fiscal year 2025.
Margins & Returns
Cuprina Holdings (Cayman) Limited's gross margin was -1.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 5.0 percentage points from the prior year.
Cuprina Holdings (Cayman) Limited's operating margin was -9680.1% in fiscal year 2025, reflecting core business profitability. This is down 6275.2 percentage points from the prior year.
Cuprina Holdings (Cayman) Limited's net profit margin was -9366.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 6137.2 percentage points from the prior year.
Cuprina Holdings (Cayman) Limited's ROE was -92.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Capital Allocation
Cuprina Holdings (Cayman) Limited invested $176K in research and development in fiscal year 2025. This represents a decrease of 0.6% from the prior year.
Cuprina Holdings (Cayman) Limited invested $45K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 181.4% from the prior year.
CUPR Income Statement
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Revenue | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A |
| Income Tax | N/A | N/A | N/A |
| Net Income | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A |
CUPR Balance Sheet
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Total Assets | $6.6M-22.1% | $8.5M+561.2% | $1.3M |
| Current Assets | $5.7M-32.5% | $8.4M+593.2% | $1.2M |
| Cash & Equivalents | $2.4M-24.6% | $3.2M+3656.7% | $86K |
| Inventory | N/A | N/A | $1K |
| Accounts Receivable | $14K+41.2% | $10K-48.3% | $19K |
| Goodwill | N/A | N/A | N/A |
| Total Liabilities | $2.7M+8.7% | $2.5M-45.9% | $4.6M |
| Current Liabilities | $2.4M+2.9% | $2.4M-47.0% | $4.4M |
| Long-Term Debt | $98K-13.0% | $113K-6.3% | $120K |
| Total Equity | $3.9M-34.7% | $6.0M+283.5% | -$3.3M |
| Retained Earnings | -$7.2M-40.1% | -$5.1M-52.8% | -$3.4M |
CUPR Cash Flow Statement
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A |
CUPR Financial Ratios
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Gross Margin | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A |
| Current Ratio | 2.35-1.2 | 3.58+3.3 | 0.27 |
| Debt-to-Equity | 0.030.0 | 0.02+0.1 | -0.04 |
| FCF Margin | N/A | N/A | N/A |
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Frequently Asked Questions
What is Cuprina Holdings (Cayman) Limited's annual revenue?
Cuprina Holdings (Cayman) Limited (CUPR) reported $39K in total revenue for fiscal year 2025. This represents a 9.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cuprina Holdings (Cayman) Limited's revenue growing?
Cuprina Holdings (Cayman) Limited (CUPR) revenue grew by 9.2% year-over-year, from $36K to $39K in fiscal year 2025.
Is Cuprina Holdings (Cayman) Limited profitable?
No, Cuprina Holdings (Cayman) Limited (CUPR) reported a net income of -$3.6M in fiscal year 2025, with a net profit margin of -9366.7%.
What is Cuprina Holdings (Cayman) Limited's EBITDA?
Cuprina Holdings (Cayman) Limited (CUPR) had EBITDA of -$3.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cuprina Holdings (Cayman) Limited have?
As of fiscal year 2025, Cuprina Holdings (Cayman) Limited (CUPR) had $2.4M in cash and equivalents against $98K in long-term debt.
What is Cuprina Holdings (Cayman) Limited's gross margin?
Cuprina Holdings (Cayman) Limited (CUPR) had a gross margin of -1.3% in fiscal year 2025, 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 -9680.1% in fiscal year 2025, 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 -9366.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Cuprina Holdings (Cayman) Limited's return on equity (ROE)?
Cuprina Holdings (Cayman) Limited (CUPR) has a return on equity of -92.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Cuprina Holdings (Cayman) Limited's free cash flow?
Cuprina Holdings (Cayman) Limited (CUPR) generated -$7.1M in free cash flow during fiscal year 2025. This represents a -672.8% change compared to the previous fiscal year. 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 -$7.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Cuprina Holdings (Cayman) Limited's total assets?
Cuprina Holdings (Cayman) Limited (CUPR) had $6.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Cuprina Holdings (Cayman) Limited's capital expenditures?
Cuprina Holdings (Cayman) Limited (CUPR) invested $45K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Cuprina Holdings (Cayman) Limited spend on research and development?
Cuprina Holdings (Cayman) Limited (CUPR) invested $176K in research and development during fiscal year 2025.
What is Cuprina Holdings (Cayman) Limited's current ratio?
Cuprina Holdings (Cayman) Limited (CUPR) had a current ratio of 2.35 as of fiscal year 2025, which is generally considered healthy.
What is Cuprina Holdings (Cayman) Limited's debt-to-equity ratio?
Cuprina Holdings (Cayman) Limited (CUPR) had a debt-to-equity ratio of 0.03 as of fiscal year 2025, 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 -54.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Cuprina Holdings (Cayman) Limited's cash runway?
Based on fiscal year 2025 data, Cuprina Holdings (Cayman) Limited (CUPR) had $2.4M in cash against an annual operating cash burn of $7.1M. This gives an estimated cash runway of approximately 4 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.
What is Cuprina Holdings (Cayman) Limited's Piotroski F-Score?
Cuprina Holdings (Cayman) Limited (CUPR) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cuprina Holdings (Cayman) Limited's earnings high quality?
Cuprina Holdings (Cayman) Limited (CUPR) has an earnings quality ratio of 1.95x, 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 -328.0x, 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 32 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.