Assay

Financial-condition grades for SEC filers

Company Report · as of Oct 9, 2026

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MethodCoverageAbout
Creative Medical Technology Holdings, Inc.CELZ · healthcare
GradeNonecomputable_factors_below_threshold: 6 of 14 inputs computable; 7 are required
Reliability0.76 AUCfailure model, filers with under $12.5M assets; 95% interval 0.65 to 0.86; 63 events, 2020 to 2025
Peer failure rate0.60% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025
Size bandunder $12.5M assetstotal assets $7.8M[1]
Standard universeoutsiderevenue above $1M and assets above $10M[1-2]
Warningsdilution, thin data, degenerate inputsnot computable: short runway, distress
Inputs computable6 of 14
Graded fromfilings received through Apr 24, 2026168 days before the rescan; every figure keyed to the SEC receipt date
Last close$0.902026-10-06; market equity $5.9M; iex feed
Price used in gradeNone
Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history
$2$4NovDecJanFebMarAprMayJunJulAugSepOct$0.86
ABCDE20132014201520162017201820192020202120222023202420252026

Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date.

Open this report as it stood on

Letter setLetterPercentileBand
Jan 21, 2012nonen/a
Apr 21, 2012nonen/aQ1
Apr 21, 2023D73.2Q2
May 21, 2023nonen/aQ2
Apr 21, 2024B35.4Q1
Mar 21, 2025nonen/aQ1

Each date opens the report as it stood on that rescan.

Business, in the company's words. Opening of Item 1 of the 10-K received Mar 20, 2026; the document on sec.gov.

We are a commercial stage biotechnology company dedicated to the advancement regenerative therapies in the fields of immunotherapy, endocrinology, urology, neurology and orthopedics. Our platforms, therapies and products include the following: Our subsidiary, Creative Medical Technologies, Inc. (“CMT”), was originally created to monetize U.S. Patent No. 8,372,797 and related intellectual property related to the treatment of erectile dysfunction (“ED”), which it acquired in February 2016.

Warnings [top]

Dilution. split-adjusted year-over-year share growth is 43.0%[3-4]
Thin data. 6 of 14 grade factors are computable; minimum is 7
Degenerate inputs. latest revenue or assets are at or below the $100,000 validity floor[1-2]

7 checks ran; none of them enters the letter. The checks are listed on the warnings screen.

The Fourteen Inputs [top]

Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.

InputPercentile, 0 to 100ValueSourcePeer medianPercentilePeersPeriod end
Profitability, sleeve percentile 85.5
Gross profitability0.05%[1,5]32.2%94.33722025-12-31
Return on invested capitalnot computable9.3%
required facts have no common fiscal period end
Accruals ratio(1.9%)[1,6-8](6.6%)76.78112025-12-31
Gross margin stability, five yearsnot computable2.8 pts
annual revenue must exceed $100,000
Solvency, sleeve percentile 22.0
Twelve-month failure probabilitynot computable0.07%
latest liabilities, cash plus short-term investments, book equity, and shares are required
Altman Z double-prime(1.08)[1,9-14](0.31)41.57562025-12-31
Net debt to EBITDAnot computable1.82x
one or more required annual facts are missing
Interest coveragenot computable(4.51x)
interest expense must exceed $100,000
Current ratio25.97x[9-10]2.96x2.58392025-12-31
Growth and financing, sleeve percentile 81.9
Revenue growth, three-year compoundnot computable10.0%
current value must be positive and the base must exceed $100,000
Free cash flow growth, three-year compoundnot computable10.9%
four consecutive annual FCF observations are required; found 0
Reinvestment ratenot computable37.1%
one or more required annual facts are missing
Asset growth, three years(25.9%)[1,8,15-16]2.1%89.57042025-12-31
Net share issuance, one year43.0%[3-4]2.5%74.26342026-03-20

Gross profitability. Revenue less cost of goods sold, over total assets.

Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.

Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.

Twelve-month failure probability. CHS model; lower is stronger.

Net debt to EBITDA. Lower is stronger.

Net share issuance, one year. Split-adjusted; lower is stronger.

Among 371 Peers [top]

What the Price Implies [top]

Market measures at the 2026-10-06 close. None enters the grade. Percentile among graded peers with the same measure.

MeasureValuePeer medianPercentileReading
Twelve-month price change, skipping the latest month(66.1%)8.0%8hotter than 8 of 100 peers
Distance from 52-week high(84.6%)(31.4%)6closer to its high than 6 of 100 peers
EBIT to enterprise value(97.3%)(1.5%)6pricier than 94 of 100 peers
Free cash flow yieldnot computable(1.0%)required accounting or market input is missing
Book value to price1.530.2894pricier than 6 of 100 peers
Sales to price0.000.313pricier than 97 of 100 peers
Composite equity issuance, five yearsnot computable20.3%five-year total-return history is required
Relative strength against the sector, log excess return(1.29)(0.14)8ahead of 8 of 100 peers

Inputs: market equity $5.7M; EBIT -$6.1M; book equity $8.7M; sales $6,000; debt $5.1M; cash $4.5M[17].

Diagnostics [top]

Diagnostics do not feed the grade.

Piotroski F-score: None of 9, period end 2025-12-31
Return on assets above zero(89.9%)✗ fail[6,8]
Operating cash flow above zero-$5.9M✗ fail[7]
Return on assets improved(38.6 pts)✗ fail[6,8,15,18]
Operating cash flow exceeds net income$138,563✓ pass[6-7]
Long-term leverage felln/a[1,8,15]
Current ratio improved724.7 pts✓ pass[9-10,19-20]
No new shares issued43.0%✗ fail[3-4]
Gross margin improvedn/a[2,5,21-22]
Asset turnover improved(0.0 pts)✗ fail[2,8,15,22]
Cash, filings, liquidity
Cash and equivalentsn/a
Operating cash flow, four quartersn/a[7,23-26]
Months of runwaynot finite
cash is missing at the end of the latest cash-flow quarter
Late filings, two years0
NT 10-K or NT 10-Q
Days since last periodic filing63
10-Q received Aug 7, 2026
Median daily dollar volume$196,166
63 sessions
Days since newest grade input168

Downloads [top]

Sources [top]

Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.

#ConceptXBRL tagValuePeriod endReceivedFormLinks
1assetsus-gaap:Assets$7.8M2025-12-312026-03-2010-Kfiling · viewer · series
2revenueus-gaap:Revenues$6,0002025-12-312026-03-2010-Kfiling · viewer · series
3shares outstandingdei:EntityCommonStockSharesOutstanding3,696,6682026-03-202026-04-2410-K/Afiling · viewer · series
4shares outstandingdei:EntityCommonStockSharesOutstanding2,585,8972025-04-152025-04-2510-K/Afiling · viewer · series
5gross profitus-gaap:GrossProfit$3,8062025-12-312026-03-2010-Kfiling · viewer · series
6net incomeus-gaap:NetIncomeLoss-$6.0M2025-12-312026-03-2010-Kfiling · viewer · series
7operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$5.9M2025-12-312026-03-2010-Kfiling · viewer · series
8assetsus-gaap:Assets$6.7M2024-12-312026-03-2010-Kfiling · viewer · series
9current assetsus-gaap:AssetsCurrent$7.4M2025-12-312026-03-2010-Kfiling · viewer · series
10current liabilitiesus-gaap:LiabilitiesCurrent$284,8802025-12-312026-03-2010-Kfiling · viewer · series
11retained earningsus-gaap:RetainedEarningsAccumulatedDeficit-$70.6M2025-12-312026-03-2010-Kfiling · viewer · series
12operating incomeus-gaap:OperatingIncomeLoss-$6.1M2025-12-312026-03-2010-Kfiling · viewer · series
13book equityus-gaap:StockholdersEquity$7.5M2025-12-312026-03-2010-Kfiling · viewer · series
14liabilitiesus-gaap:Liabilities$284,8802025-12-312026-03-2010-Kfiling · viewer · series
15assetsus-gaap:Assets$10.7M2023-12-312025-03-1410-Kfiling · viewer · series
16assetsus-gaap:Assets$19.2M2022-12-312024-03-2210-Kfiling · viewer · series
17shares outstandingdei:EntityCommonStockSharesOutstanding6,592,5572026-08-072026-08-0710-Qfiling · viewer · series
18net incomeus-gaap:NetIncomeLoss-$5.5M2024-12-312026-03-2010-Kfiling · viewer · series
19current assetsus-gaap:AssetsCurrent$6.1M2024-12-312026-03-2010-Kfiling · viewer · series
20current liabilitiesus-gaap:LiabilitiesCurrent$327,6442024-12-312026-03-2010-Kfiling · viewer · series
21gross profitus-gaap:GrossProfit$6,6002024-12-312026-03-2010-Kfiling · viewer · series
22revenueus-gaap:Revenues$11,0002024-12-312026-03-2010-Kfiling · viewer · series
23operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$2.8M2026-06-302026-08-0710-Qfiling · viewer · series
24operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$1.3M2026-03-312026-05-0810-Qfiling · viewer · series
25operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$3.9M2025-09-302025-11-0710-Qfiling · viewer · series
26operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$2.8M2025-06-302026-08-0710-Qfiling · viewer · series

Limitations [top]

Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.

Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.

Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.

Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.

Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.

Informational and educational only. Not investment advice. SEC and market data may contain errors.

If you have any comments about this page, the methodology and every line of code that produced it are in the public repository. However, due to the limited number of personnel, we are unable to provide a direct response.

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Source
GitHub · ezrakruger.cc
Photographs from Wikimedia Commons

bull: Raphael Schön from Vienna, Austria, CC BY 2.0; bear: U. S. Fish and Wildlife Service - Northeast Region, Public domain; elk: Oregon Department of Fish & Wildlife, Public domain; tortoise: NPS, Public domain; sloth: Charles J. Sharp, CC BY-SA 3.0; fox: Cp9asngf, CC BY-SA 4.0; sector-business_equipment: Sangitiana Fararano, CC BY-SA 2.0; sector-healthcare: User:Squidonius, myself, and User:Beliason (assumed)., CC BY-SA 4.0; sector-manufacturing: unknown, CC BY-SA 2.0; sector-shops: Wilfredor, CC BY-SA 4.0; sector-consumer_nondurables: Nielsoncaetanosalmeron, CC BY 4.0; sector-utilities: Lijovklm, CC BY-SA 4.0; sector-consumer_durables: Stilfehler, CC BY-SA 4.0; sector-chemicals: PEO ACWA, CC BY 2.0; sector-energy: Arne Hückelheim, CC BY-SA 3.0; sector-telecom: Wikideas1, CC0; sector-other: Downtowngal, CC BY-SA 4.0.

Updated Oct 9, 2026