What is Spectral AI, Inc.'s hybrid debt?

Spectral AI, Inc. (MDAI) reported hybrid debt of $15M in Q1 2025.

What does hybrid debt mean?

Represents long-term financial instruments that possess characteristics of both debt and equity. This metric highlights complex financing structures that impact the company's long-term capital structure and solvency.

Spectral AI, Inc. MDAI Hybrid debt

Hybrid debt at other companies

Ohio Valley Banc CorpOVBC

$43.53M+13.2%

OFG BancorpOFG

$0—

Amalgamated Financial Corp.AMAL

$69.57M-0.2%

Provident Financial ServicesPFS

$2.48B+6.3%

ServisFirst BancsharesSFBS

$34.75M-46.3%

Plumas BancorpPLBC

$16.02M+6.8%

Other financials

Income statement

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Revenue$4.0M-40.5%

Gross profit$2.0M-36.0%

Operating income-$2.0M-120%

Net income-$3.4M-218%

EPS (diluted)-$0.11-200%

Balance sheet

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Cash & equivalents$11.7M-17.1%

Total debt$6.0M-36.6%

Total equity-$8.8M-442%

Total assets$17.7M-14.4%

Cash flow

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Operating cash flow-$3.7M-148%

Valuation

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Market cap$55.06M+3.9%

Enterprise value$49.43M-4.8%

P/S3.3×+1.3×

Profitability

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Gross margin46%+0.9pp

Operating margin-57.2%-104pp

Net margin-70%+176pp

Returns & leverage

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Return on equity-255.5%—

Debt / equity0.7×+0.7×

Current ratio0.8×-0.7×

Where this comes from

Reported directly by Spectral AI, Inc. in its filing.

Tagged under the XBRL concept us-gaap:OtherBorrowings.

The official record: Spectral AI, Inc.’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Spectral AI, Inc.'s hybrid debt?: Spectral AI, Inc. (MDAI) reported hybrid debt of $15M in Q1 2025.
What does hybrid debt mean?: Represents long-term financial instruments that possess characteristics of both debt and equity. This metric highlights complex financing structures that impact the company's long-term capital structure and solvency.