CarePayment Technologies, Inc. (CPYT) Stock Price & Analysis
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For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCarePayment Technologies, Inc. (CPYT) trades at $0.0001. CarePayment Technologies, Inc. provides accounts receivable services for healthcare providers in the United States. The company focuses on managing patient receivables under the CarePayment brand. Sector: Healthcare.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for CPYT: CPYT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
CarePayment Technologies, Inc. (CPYT) Healthcare & Pipeline Overview
CarePayment Technologies, Inc. offers accounts receivable solutions for healthcare providers, focusing on patient receivables management. Operating in the U.S. healthcare sector, the company aims to streamline financial processes for medical practices. CarePayment faces competition from established players in healthcare financial services within a dynamic market.
What Is the Investment Thesis for CPYT?
CarePayment Technologies, Inc. operates in the healthcare accounts receivable management sector, a market driven by the increasing complexity of healthcare billing and the rising burden of patient financial responsibility. The company's focus on providing services under the CarePayment brand could offer a niche advantage. However, the company's negative profit margin of -255.9% raises concerns about its financial sustainability. Key catalysts include potential partnerships with larger healthcare systems and expansion into new geographic markets. Investors should closely monitor the company's ability to improve profitability and manage its operational costs. The negative beta of -0.92 suggests the stock price moves inversely to the market.
Based on FMP financials and quantitative analysis
CPYT Key Highlights
CarePayment Technologies, Inc. operates in the healthcare accounts receivable management sector.
- The company's profit margin is -255.9%, indicating significant losses.
- Gross margin is 2.4%, suggesting limited profitability from core services.
- The company's beta is -0.92, indicating an inverse correlation to the market.
- CarePayment Technologies, Inc. does not offer a dividend.
Who Are CPYT's Competitors?
What Are CPYT's Key Strengths?
Established brand name (CarePayment).
- Focus on healthcare accounts receivable management.
- Proprietary technology and processes.
- Experienced management team.
What Are CPYT's Weaknesses?
Negative profit margin (-255.9%).
- Low gross margin (2.4%).
- Limited market share.
- Dependence on healthcare providers.
What Are the Key Risks for CPYT?
Financial-distress signal — its Altman Z-Score of -9.32 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- Increasing competition in the healthcare financial services market could erode market share.
- Changes in healthcare regulations and reimbursement models could impact revenue.
- Economic downturn affecting patient ability to pay healthcare bills.
- Negative profit margin (-255.9%) raises concerns about financial sustainability.
- Low gross margin (2.4%) indicates limited profitability from core services.
What Are CPYT's Competitive Advantages?
- Established brand name (CarePayment) in the healthcare accounts receivable market.
- Proprietary technology and processes for managing patient accounts.
- Relationships with healthcare providers and partners.
- Expertise in healthcare billing and collections regulations.
What Does CPYT Do?
CarePayment Technologies, Inc., formerly known as microHelix, Inc., was founded in 1991 and is headquartered in Lake Oswego, Oregon. The company specializes in providing accounts receivable services to healthcare providers across the United States. Its core offering revolves around managing and optimizing accounts receivables generated by medical practices when providing healthcare services to their patients. These services operate under the brand name CarePayment. CarePayment's solutions are designed to alleviate the administrative and financial burdens associated with patient billing and collections. By streamlining these processes, CarePayment aims to improve cash flow for healthcare providers, reduce administrative costs, and enhance the patient financial experience. The company's services encompass various aspects of the revenue cycle, including patient financing options, payment plans, and collection strategies. CarePayment operates within the broader healthcare financial services market, which includes companies offering revenue cycle management, medical billing, and patient financing solutions. The company competes with a range of players, from large, established firms to smaller, specialized providers. CarePayment's focus on patient receivables and its CarePayment-branded solutions differentiate it within this competitive landscape. The company's success depends on its ability to effectively manage patient accounts, maintain compliance with healthcare regulations, and adapt to evolving trends in healthcare finance.
What Products and Services Does CPYT Offer?
- Provides accounts receivable services to healthcare providers.
- Manages patient accounts receivables generated from healthcare services.
- Offers services under the CarePayment brand.
- Streamlines billing and collection processes for medical practices.
- Aims to improve cash flow for healthcare providers.
- Reduces administrative costs associated with patient billing.
- Enhances the patient financial experience.
How Does CPYT Make Money?
- Generates revenue by providing accounts receivable management services to healthcare providers.
- Charges fees for managing and collecting patient accounts.
- Offers patient financing options and payment plans.
- Partners with healthcare providers to integrate its services into their revenue cycle.
What Industry Does CPYT Operate In?
CarePayment Technologies, Inc. operates within the healthcare industry, specifically in the medical-healthcare plans sector. This sector is characterized by increasing regulatory complexity, rising healthcare costs, and evolving reimbursement models. Companies in this space face pressure to improve efficiency, reduce administrative costs, and enhance the patient financial experience. The competitive landscape includes established players in revenue cycle management, medical billing, and patient financing. CarePayment's focus on accounts receivable services positions it within a niche segment of this broader market.
Who Are CPYT's Key Customers?
- Hospitals and healthcare systems.
- Physician practices and clinics.
- Other healthcare providers in the United States.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
CarePayment Technologies, Inc. operates in the Healthcare sector. It is headquartered in Lake Oswego, US. CPYT has traded publicly since 2001.
Financial Health
CarePayment Technologies, Inc.'s Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -9.32 places it in the distress zone, a signal of elevated financial risk.
Insider Activity
12 transactions · 10 purchases, 0 sales, 2 other transactions · 1 identified insiders · most recent available transactions. Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
CPYT Financials
CPYT Latest News
No recent news available for CPYT.
CPYT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CPYT.
Price Targets
Wall Street price target analysis for CPYT.
CPYT MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CPYT; grades run from A+ (80-100) to F (below 30).
Who Are CPYT's Competitors?
Leadership: Ed Caldwell
CEO
Ed Caldwell serves as the CEO of CarePayment Technologies, Inc. His background includes experience in the healthcare and financial services industries. He has held leadership positions in various companies, focusing on revenue cycle management, patient engagement, and financial performance. Caldwell's expertise spans strategic planning, operational execution, and business development.
Track Record: Under Ed Caldwell's leadership, CarePayment Technologies, Inc. has focused on expanding its services and partnerships within the healthcare sector. Key initiatives include implementing new technology solutions and enhancing patient financing options. The company has also worked to improve its financial performance and market position. However, specific milestones and achievements under his tenure are not available.
CPYT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that CarePayment Technologies, Inc. may not meet the minimum financial or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier are often subject to limited regulatory oversight and may have a higher risk profile compared to those listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks involves greater scrutiny and due diligence due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Low trading volume and liquidity.
- Potential for price manipulation and fraud.
- Higher risk of delisting or going out of business.
- Limited regulatory oversight and investor protection.
- Verify the company's financial statements and disclosures.
- Research the management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's legal and regulatory compliance.
- Understand the risks associated with OTC trading.
- Consult with a financial advisor.
- Check for any red flags or warning signs.
- Company has been in operation for a significant period (founded in 1991).
- Company provides a specific service (accounts receivable for healthcare providers).
- Company has a CEO (Ed Caldwell).
- Company headquarters are in Lake Oswego, Oregon.
Common Questions About CPYT (Healthcare)
What do analysts say about CPYT stock?
As of March 18, 2026, there is no available analyst coverage or consensus for CarePayment Technologies, Inc. (CPYT). Given its OTC listing and limited financial information, traditional analyst coverage may be scarce.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial data is limited and may not be fully up-to-date.
- Analyst coverage is unavailable.
- OTC market carries higher risks than major exchanges.