MSP Recovery, Inc. (MSPR)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
MSP Recovery, Inc. (MSPR) trades at $0.02 with AI Score 61/100 (Grade B+). MSP Recovery, Inc. is a healthcare recoveries and data analytics company operating in the United States and Puerto Rico. Market cap: $261,025, Sector: Healthcare.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for MSPR: MSPR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MSPR against Healthcare peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MSPR: the 4 perspectives are evenly split. Dominant signal: Seth Klarman bearish.
How is this calculated? →MSP Recovery, Inc. (MSPR) Healthcare & Pipeline Overview
MSP Recovery, Inc. specializes in healthcare claims recovery and data analytics, offering services like claims recovery and primary insurer identification. Operating in the U.S. and Puerto Rico, the company leverages data to assist healthcare providers in optimizing their reimbursement processes within the competitive healthcare information services sector.
What Is the Investment Thesis for MSPR?
MSP Recovery, Inc. presents a unique investment proposition within the healthcare information services sector, focusing on claims recovery and data analytics. The company's services, including 'Chase to pay' and LifeWallet, target inefficiencies in healthcare billing and data management. However, the company's negative P/E ratio of -0.06 and a significantly negative profit margin of -7328.5% raise concerns about its current financial health. The high beta of -2.95 suggests high volatility relative to the market. Potential investors should carefully weigh the growth opportunities against the financial risks and the competitive landscape. The company's success hinges on its ability to scale its technology solutions and demonstrate tangible improvements in healthcare providers' revenue cycles.
Based on FMP financials and quantitative analysis
MSPR Key Highlights
- Market capitalization of 261K indicating a micro-cap company.
- Negative P/E ratio of -0.06 reflecting current unprofitability.
- Extremely negative profit margin of -7328.5% signaling significant operational challenges.
- Gross margin of 26.3% suggesting some efficiency in direct service delivery.
- Beta of -2.95 indicating high volatility and inverse correlation with market movements.
Who Are MSPR's Competitors?
MSPR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AIMD Ainos, Inc. | $2.07 | +10.70% | $9.37M | — |
| BIVI BioVie Inc. | $2.04 | +4.87% | $15.42M | — |
| CMMB Chemomab Therapeutics Ltd. | $2.40 | +5.73% | $14.77M | 49 |
| EUDA EUDA Health Holdings Limited operates a digital health platform, offering virtual consultations for non-emergency medical | $13.96 | +0.58% | $26.07M | 46 |
| CARL CARLSMED, INC. | $11.90 | +4.94% | $323.50M | 70 |
| HNGE Hinge Health, Inc. | $89.42 | +6.39% | $6.92B | 68 |
| VRHI Veri Medtech Holdings Inc. | $1.95 | +0.00% | $39.09M | 67 |
| AKLI Akili, Inc. | $0.43 | +0.25% | $34.10M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MSPR's Key Strengths?
- Specialized expertise in healthcare claims recovery.
- Proprietary 'Chase to pay' service for primary insurer identification.
- LifeWallet platform for organizing medical records.
- Data analytics capabilities for optimizing reimbursement processes.
What Are MSPR's Weaknesses?
- Negative P/E ratio and profit margin indicating financial instability.
- High beta suggesting high volatility.
- Limited geographic presence (U.S. and Puerto Rico).
- Dependence on healthcare regulatory environment.
What Could Drive MSPR Stock Higher?
- Expansion of the 'Chase to pay' service to new healthcare providers.
- Potential partnerships with healthcare insurers to improve claims processing (timeline: 6-12 months).
- Development and enhancement of the LifeWallet platform.
- Exploration of geographic expansion opportunities (timeline: 1-2 years).
- Implementation of AI and machine learning for advanced data analytics.
What Are the Key Risks for MSPR?
- Financial-distress signal — its Altman Z-Score of -3.91 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Negative P/E ratio and profit margin indicating financial instability.
- Changes in healthcare regulations and reimbursement policies.
- Increased competition from other healthcare IT providers.
- Data breaches and security vulnerabilities.
- High beta suggesting high volatility.
What Are the Growth Opportunities for MSPR?
- Expansion of 'Chase to pay' Service: The market for primary insurer identification at the point of care is substantial, with potential to reduce billing errors and improve revenue cycle management for healthcare providers. MSP Recovery can expand its market share by targeting larger hospital systems and integrated delivery networks, offering a scalable solution that integrates with existing EHR systems. Success depends on demonstrating significant ROI to potential clients, with a timeline of 1-3 years for widespread adoption.
- Enhancement and Monetization of LifeWallet Platform: LifeWallet offers a platform for organizing and managing personal health records. By adding features like telemedicine integration, appointment scheduling, and medication tracking, MSP Recovery can increase user engagement and create new revenue streams through premium subscriptions or partnerships with healthcare providers. The timeline for significant platform enhancements and monetization is estimated at 2-4 years.
- Strategic Partnerships with Healthcare Insurers: Collaborating with healthcare insurers to improve claims processing and reduce fraud can provide MSP Recovery with access to a broader client base and valuable data insights. These partnerships can lead to the development of customized solutions that address specific insurer needs, creating a recurring revenue stream. Establishing meaningful partnerships will likely take 1-2 years.
- Geographic Expansion Beyond the U.S. and Puerto Rico: While currently focused on the U.S. and Puerto Rico, MSP Recovery can explore opportunities to expand its services to other countries with similar healthcare systems and challenges in claims recovery. This expansion would require adapting its solutions to local regulations and building relationships with local healthcare providers and insurers. International expansion could be pursued within 3-5 years.
- Leveraging AI and Machine Learning for Advanced Analytics: Investing in AI and machine learning capabilities can enhance MSP Recovery's data analytics offerings, enabling it to identify patterns and insights that can further improve claims recovery rates and reduce healthcare costs. This includes developing predictive models for identifying potential fraud and optimizing reimbursement strategies. Implementing advanced AI solutions is an ongoing process, with initial benefits expected within 1-2 years and continuous improvement thereafter.
What Opportunities Does MSPR Have?
- Expansion of 'Chase to pay' service to larger hospital systems.
- Monetization of the LifeWallet platform through premium subscriptions.
- Strategic partnerships with healthcare insurers.
- Geographic expansion to other countries with similar healthcare systems.
What Threats Does MSPR Face?
- Changes in healthcare regulations and reimbursement policies.
- Increased competition from other healthcare IT providers.
- Potential for data breaches and security vulnerabilities.
- Economic downturn affecting healthcare spending.
What Are MSPR's Competitive Advantages?
- Proprietary data analytics capabilities.
- Specialized expertise in healthcare claims recovery.
- Established relationships with healthcare providers.
- The LifeWallet platform provides a unique service for organizing medical records.
What Does MSPR Do?
Founded in 2014 and headquartered in Coral Gables, Florida, MSP Recovery, Inc. operates as a healthcare recoveries and data analytics company. The company's core business revolves around assisting healthcare providers in the United States and Puerto Rico with claims recovery and optimizing their reimbursement processes. MSP Recovery offers a suite of services, including claims recovery services provided directly or through third parties, aimed at helping entities pursue their claims recovery rights. One of its key offerings is the 'Chase to pay' service, designed to help healthcare providers identify the correct primary insurer at the point of care. This service aims to prevent wrongful payments and streamline the billing process. Additionally, MSP Recovery provides LifeWallet, a platform that helps users locate and organize their medical records, enhancing accessibility and management of personal health information. The company's focus on data analytics and technology-driven solutions positions it within the evolving landscape of healthcare information services, where efficiency and accuracy in claims processing are critical.
What Products and Services Does MSPR Offer?
- Provides claims recovery services to healthcare providers.
- Assists entities with the pursuit of claims recovery rights.
- Offers 'Chase to pay' service to identify the correct primary insurer at the point of care.
- Helps prevent wrongful payments in healthcare billing.
- Offers LifeWallet, a platform for locating and organizing medical records.
- Provides data analytics to optimize healthcare reimbursement processes.
How Does MSPR Make Money?
- Generates revenue through claims recovery services.
- Charges fees for the 'Chase to pay' service.
- Potentially monetizes the LifeWallet platform through subscriptions or partnerships.
- Contracts with healthcare providers and insurers to provide data analytics solutions.
What Industry Does MSPR Operate In?
MSP Recovery, Inc. operates within the healthcare information services industry, a sector characterized by increasing demand for data-driven solutions to improve efficiency and reduce costs. The industry is witnessing a shift towards digital health records, telemedicine, and advanced analytics to optimize healthcare delivery and reimbursement processes. The competitive landscape includes companies like AIMD, BIVI, CMMB, EUDA, and GLMD, which offer various healthcare IT solutions. MSP Recovery's focus on claims recovery and data analytics positions it to capitalize on the growing need for revenue cycle management solutions within the healthcare sector.
Who Are MSPR's Key Customers?
- Healthcare providers (hospitals, clinics, physician practices).
- Healthcare insurers.
- Third-party entities involved in claims recovery.
- Individual users of the LifeWallet platform.
Net sellingInsider Activity
The most recent 12 insider filings for MSP Recovery, Inc. break down as 10 sales and 2 purchases. On net that is roughly 231K shares disposed (about $466K), a signal worth weighing alongside the fundamentals.
F-Score 3/9Financial Health
MSP Recovery, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -3.91 places it in the distress zone, a signal of elevated financial risk.
ROE 393%Key Financial Metrics
Return on equity for MSP Recovery, Inc. stands at 393.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -46.3%, showing how much profit it generates from its asset base. A current ratio of 0.01 means current liabilities exceed short-term assets, a liquidity point worth watching.
MSP Recovery, Inc. (MSPR) Valuation Context
Valued at 261K, MSPR is classified as a micro-cap stock. Relative to its peer group, MSPR's quantitative score of 61/100 is roughly in line with the peer average of 55/100.
Company Profile
MSP Recovery, Inc. operates in the Medical - Healthcare Information Services industry within the Healthcare sector. It is headquartered in Coral Gables, US. The company is led by CEO John H. Ruiz. MSPR has traded publicly since 2022.
MSPR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, indicating confidence from leadership in the company's future.
- Community sentiment has shifted positively, with discussions highlighting innovative approaches to healthcare recovery.
- Recent partnerships have been announced that could enhance service offerings and market reach.
- Analysts are noting potential growth in the healthcare sector, aligning with MSPR's business model.
Bear Case
- There are concerns about the company's ability to scale operations effectively in a competitive market.
- Negative sentiment has emerged from some community members questioning the sustainability of recent growth.
- Regulatory challenges in the healthcare space could pose risks to MSPR's business model.
- Market perception remains cautious, with some investors recalling past volatility in similar healthcare stocks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
MSPR Latest News
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Earnings Scheduled For November 8, 2022
benzinga · Nov 8, 2022
MSPR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MSPR.
Price Targets
Wall Street price target analysis for MSPR.
MSPR MoonshotScore
What does this score mean?
The MoonshotScore rates MSPR's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: John H. Ruiz
CEO
John H. Ruiz is the CEO of MSP Recovery, Inc. He is also the founder and sole owner of MSP Recovery Law Firm, a national leader in Medicare, Medicaid, and commercial healthcare plan reimbursement recovery. Ruiz has a strong legal background and has been involved in numerous high-profile healthcare litigation cases. His expertise lies in healthcare law, data analytics, and claims recovery. He is also known for his entrepreneurial ventures and community involvement in the Miami area.
Track Record: Under John Ruiz's leadership, MSP Recovery, Inc. has focused on developing technology-driven solutions for healthcare claims recovery and data analytics. He has overseen the development of the 'Chase to pay' service and the LifeWallet platform. His strategic decisions have aimed to position the company as a leader in healthcare reimbursement optimization, though financial metrics indicate ongoing challenges.
MSPR OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that MSPR may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance compared to companies listed on major exchanges like NYSE or NASDAQ. This tier often includes companies with higher risk profiles due to the lack of stringent listing requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- Higher risk of fraud or manipulation due to less regulatory oversight.
- Potential for delisting or trading suspension due to non-compliance.
- Verify the company's legal status and registration.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Research the background and experience of the management team.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Monitor trading volume and price activity.
- Company has been in operation since 2014.
- Focus on healthcare claims recovery and data analytics.
- Development of proprietary services like 'Chase to pay' and LifeWallet.
- Presence of a CEO with a legal background in healthcare.
- Company headquarters located in Coral Gables, Florida.
MSPR Healthcare Stock FAQ
What does MSP Recovery, Inc. do?
MSP Recovery, Inc. operates as a healthcare recoveries and data analytics company, primarily serving healthcare providers in the United States and Puerto Rico. The company focuses on identifying and recovering improperly paid claims, leveraging data analytics to optimize reimbursement processes. Its key offerings include the 'Chase to pay' service, which helps healthcare providers identify the correct primary insurer at the point of care, and the LifeWallet platform, designed to organize and manage users' medical records. The company aims to improve efficiency and reduce costs within the healthcare system through its specialized services.
What do analysts say about MSPR stock?
As of March 18, 2026, formal analyst ratings for MSPR are not widely available, likely due to its OTC listing and micro-cap status. However, the company's financial metrics, including a negative P/E ratio and profit margin, suggest caution. Potential investors should conduct thorough due diligence and consider the risks associated with investing in OTC stocks. The company's growth prospects depend on its ability to scale its technology solutions and demonstrate tangible improvements in healthcare providers' revenue cycles. The high beta also indicates higher risk.
What are the main risks for MSPR?
The main risks for MSPR include its current financial instability, as indicated by its negative P/E ratio and profit margin. As an OTC-listed company, MSPR faces higher regulatory and compliance risks compared to companies listed on major exchanges. The healthcare industry is subject to frequent regulatory changes, which could impact MSPR's business model and profitability. Additionally, the company faces competition from other healthcare IT providers and the potential for data breaches and security vulnerabilities. The high beta suggests that the stock is more volatile than the market.
What are the key factors to evaluate for MSPR?
MSP Recovery, Inc. (MSPR) holds an AI score of 61/100 (moderate). Not financial advice.
How frequently does MSPR data refresh on this page?
MSPR prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MSPR's recent stock price performance?
MSP Recovery, Inc. (MSPR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized expertise in healthcare claims recovery. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MSPR overvalued or undervalued right now?
Valuing MSP Recovery, Inc. (MSPR) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MSPR?
Before investing in MSP Recovery, Inc. (MSPR), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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
Data provided for informational purposes only.
- Financial data is limited and may not be fully up-to-date.
- OTC market investments carry higher risks than exchange-listed stocks.
- Analyst coverage is limited due to the company's size and listing status.