What is Spectral AI, Inc.'s loan-related expense?

Spectral AI, Inc. (MDAI) reported loan-related expense of $1M in Q1 2026.

How has Spectral AI, Inc.'s loan-related expense changed year-over-year?

Spectral AI, Inc.'s loan-related expense increased by 300.0% year-over-year, from $250K to $1M.

What does loan-related expense mean?

The administrative or origination costs charged by lenders for the processing and approval of debt financing. This represents a portion of the friction costs associated with obtaining external capital.

Spectral AI, Inc. MDAI Loan-related expense

Loan-related expense at other companies

PennyMac Financial Services, Inc.PFSI

$79.7M+80.7%

Better Home & FinanceBETR

$7.73M+209%

Spectral AI, Inc.MDAI

$1M+300%

First Internet BancorpINBK

$2.18M+42.3%

Equity BancsharesEQBK

$498K+286%

Origin BancorpOBK

$895K+49.4%

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

See full

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

See full

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:LoanProcessingFee.

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 loan-related expense?: Spectral AI, Inc. (MDAI) reported loan-related expense of $1M in Q1 2026.
How has Spectral AI, Inc.'s loan-related expense changed year-over-year?: Spectral AI, Inc.'s loan-related expense increased by 300.0% year-over-year, from $250K to $1M.
What does loan-related expense mean?: The administrative or origination costs charged by lenders for the processing and approval of debt financing. This represents a portion of the friction costs associated with obtaining external capital.