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AGING Analysis Report
Jun 1, 2026
25 days ago · 93% complete · +4 refreshed

Talkspace, Inc.

TALK NASDAQ Categories PDF
Healthcare · Medical - Care Facilities
New York City, NY 10025, United States IPO 2020 talkspace.com Updated Jun 27, 7:59am
Price
$5.22
Market Cap
$874.4M
Employees
521
Beta
1.07
Avg Volume
1,931,754
CEO
Jon R. Cohen
Business Description

Providing virtual behavioral healthcare services, Talkspace, Inc. operates a digital platform accessible via secure web and mobile applications. It offers a wide array of treatment options, including psychiatry, adolescent counseling, individual therapy, and support for couples. Clients can communicate with their dedicated therapists through various channels such as text, video, and voice messages, or by scheduling live video sessions. The company is based in New York, New York.

Business History
Generated: Jun 1, 2026 6:59pm
Price Overview
Last updated: Jun 27, 2026 7:59am (just now)
$5.22
+0.03 (+0.58%)
Day Range
$5.19 – $5.22
52-Week Range
$2.22 – $5.23
50-Day MA
$5.20
200-Day MA
$4.12
Volume
5,557,630.00
Analyst Price Targets
Low $5.25
Consensus $5.25
High $5.25
(8 analysts)
Share Structure
Outstanding 167,512,566.00
Float 129,589,396.00
Free Float 77.4%
Normal free float — 77.4% of shares trade freely, ~22.6% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Price History (1 Year)
Last updated: Jun 27, 2026 7:59am (just now)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Last updated: Jun 27, 2026 7:59am (just now)
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
API Direct from provider CALC Derived from statements
Industry comparison last run: Jun 1, 2026 6:59pm
P/E Ratio (Price per dollar of earnings)
API
Stock Price / EPS (Diluted)
752.08
Stock Price: $5.22
EPS (Diluted): 0.05
P/B Ratio (Price vs net asset value)
API
Stock Price / Book Value Per Share
5.22
Stock Price: $5.22
Total Equity: $117.02M
Shares: 173,753,763
EV/EBITDA (Total value vs operating profit)
API
Enterprise Value / EBITDA
136.03
Market Cap: $874.42M
Total Debt: $0.00
Cash: $37.35M
EBITDA: $11.24M
Enterprise Value (Takeover price (cap + debt - cash))
API
Market Cap + Total Debt - Cash
$574.0M
Market Cap: $874.42M
Total Debt: $0.00
Cash: $37.35M
Gross Margin (Revenue left after direct costs)
API
Gross Profit / Revenue
43.0%
Gross Profit: $98.35M
Revenue: $228.87M
Operating Margin (Revenue left after all operations)
API
Operating Income / Revenue
1.4%
Operating Income: $3.15M
Revenue: $228.87M
Net Margin (Revenue left as actual profit)
API
Net Income / Revenue
3.4%
Net Income: $7.79M
Revenue: $228.87M
ROE (Profit from shareholder equity)
API
Net Income / Total Equity
1.0%
Net Income: $7.79M
Total Equity: $117.02M
ROIC (Profit from all invested capital)
API
NOPAT / Invested Capital
-1.7%
Operating Income: $3.15M
Tax Rate: 6.9%
Equity: $117.02M
Total Debt: $0.00
Cash: $37.35M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
API
Current Assets / Current Liabilities
6.38
Current Assets: $111.06M
Current Liabilities: $17.40M
Debt/Equity (Leverage — debt vs equity)
CALC
Total Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $117.02M
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
CALC
Revenue / Shares Outstanding
$1.32
Revenue: $228.87M
Shares: 173,753,763
Book Value/Share (Net assets per share)
CALC
(Total Assets - Total Liabilities) / Shares
$0.67
Total Equity: $117.02M
Shares: 173,753,763
FCF/Share (Real cash generated per share)
CALC
(Operating Cash Flow + CapEx) / Shares
$-0.01
Operating CF: $8.53M
CapEx: -$10.64M
Shares: 173,753,763
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
API
Last Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $5.22
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
Dividends Paid: N/A
Net Income: $7.79M
Dividends paid not available in cash flow statement
Industry Benchmarks
Last run: Jun 1, 2026 6:59pm
Compares TALK against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Advanced Analysis Forensic deep-dive · three lenses
The "final boss" read — Opus reviews every forensic module + the full e2e analysis · 2026-06-02 15:47:11
Legacy single-score read — re-run the extended pipeline to get the two-lens split.
Real operational inflection and a $92.6M cash cushion, but gross margin is bleeding 400bps/yr and SBC dilution is eating most of the per-share story.
-17 Lean Avoid

The headline numbers look like a clean turnaround: revenue compounded from $113.7M (2021) to $228.9M (2025), op margin flipped from -82.6% to +1.4%, and net income went from -$62.7M to +$7.8M. Balance sheet is fortress-grade — $92.6M net cash (10.6% of market cap), Altman Z of 29.35, OCF/NI of 2.79x. That's a real business that has clawed its way to profitability, and the market is paying ~14x trailing earnings for it. Not obviously expensive.

But the forensic read is uglier than the trajectory suggests. Gross margin has compressed every single year — 58.7 → 50.5 → 49.6 → 45.8 → 43.0 — that's not noise, that's mix shift to lower-margin B2B/payor contracts, and it's accelerating into the most recent year. FCF actually went NEGATIVE in 2025 (-$2.1M) versus +$6.3M in 2024, even as reported net income rose to $7.8M — the OCF/NI ratio masks that capex/working-capital absorbed the cash. Diluted share count grew from 154.1M to 173.8M (3.1% CAGR), SBC is 3.7% of revenue, and buybacks recover only 43% of dilution. The Beneish M-score of -0.81 (vs -1.78 threshold) is a yellow flag worth investigating but not damning given the otherwise clean accruals (-4.1%).

Insider tape is unambiguously NOT 'neutral with sells' — the $314K of 'sales' are F-codes (tax withholding on vesting), not open-market sales. There are ZERO P-code buys and ZERO S-code sales in the visible tape. It's just RSU vesting plumbing. The real signal is the March 31 award cluster (722K shares granted to five executives) — that's the dilution machine in action, not a sentiment read.

Deep Analysis
Last run: Jun 1, 2026 7:02:52 pm

Pre-flight intelligence scans the company first, then routes to the right analytical methods.

0 Company Classification — What type of company is this?
1 Industry Landscape — Where is the industry headed?
2 Company Momentum — Where is this company trending?
3 Forward Projection — 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a DCF Valuation — Present value of future cash flows
4b Earnings Power Value — Floor value — worth with zero growth
4c Anchored PE — Industry PE adjusted for growth differential
4d Reverse DCF — What growth is the market pricing in?
4e Revenue-Based DCF — For growth/narrative companies (skip if mature earner)
Not applicable for High Growth Profitable companies
4f Anchored P/S — Price-to-Sales peer comparison (skip if mature earner)
Not applicable for High Growth Profitable companies
4g Scenario Analysis — Bull / Base / Bear (skip if mature earner)
Not applicable for High Growth Profitable companies
4h Dividend Discount Model — For dividend/income stocks only
Not applicable for High Growth Profitable companies
4i Book Value Analysis — For deep value / turnaround stocks only
Not applicable for High Growth Profitable companies
4j Insider Activity — Are insiders buying or selling?
4f Cash Flow Quality — How trustworthy is the FCF?
4g Debt Maturity Risk — Can it handle its debt?
4h Macro Environment — Rates, market valuation, volatility
4i Sector Intelligence — How does this company compare within its sector?
4j Revenue Confidence — How reliable is the growth projection?
4k Sensitivity Analysis — How fragile is the fair value estimate?
4l Sector Demand Cycle — Is the sector in a boom, steady state, or contraction?
5 AI Investigation — Adaptive research engine (Claude)
5b Thesis Evaluation — What does the market believe? (narrative/platform stocks only)
Not applicable for High Growth Profitable companies
6 Valuation Synthesis — Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 27, 2026 7:59am (just now)
Metric 2021 2022 2023 2024 2025
Revenue $113.7M $119.6M $150.0M $187.6M $228.9M
Cost of Revenue $46.9M $59.2M $75.7M $101.8M $130.5M
Gross Profit $66.8M $60.3M $74.4M $85.8M $98.3M
Operating Expenses $160.7M $137.4M $97.6M $90.3M $95.2M
Operating Income -$93.9M -$77.0M -$23.2M -$4.5M $3.2M
Net Income -$62.7M -$79.7M -$19.2M $1.1M $7.8M
EBITDA -$60.7M -$78.1M -$17.8M $2.1M $11.2M
EPS $-0.72 $-0.51 $-0.12 $0.01 $0.05
EPS (Diluted)
Balance Sheet (Annual)
Last updated: Jun 27, 2026 7:59am (just now)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $198.3M $138.5M $123.9M $76.7M $37.4M
Total Current Assets $213.3M $152.6M $139.8M $130.2M $111.1M
Total Assets $223.6M $156.3M $142.2M $138.7M $134.9M
Current Liabilities $27.2M $27.3M $21.6M $19.0M $17.4M
Long-Term Debt $0 $0 $0 $0 $0
Total Liabilities $31.3M $28.7M $23.6M $21.3M $17.8M
Total Equity $192.3M $127.5M $118.6M $117.4M $117.0M
Retained Earnings -$171.5M -$251.2M -$270.4M -$269.2M -$261.4M
Cash Flow (Annual)
Last updated: Jun 27, 2026 7:59am (just now)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow -$65.7M -$61.1M -$16.4M $11.7M $8.5M
Capital Expenditure $-663,000 $-350,000 $-151,000 -$5.4M -$10.6M
Free Cash Flow -$66.4M -$61.4M -$16.5M $6.3M -$2.1M
Acquisitions (net) $0 $33,000 $10,000 $0 -$4.9M
Debt Repayment
Dividends Paid
Stock Buybacks $0 $0 $0 -$11.0M -$17.2M
Net Change in Cash $185.0M -$59.7M -$14.6M -$47.2M -$39.3M
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 7:59am (just now)
Metric 2027 2028 2029 2030
Revenue $342.0M
$331.6M – $348.4M
$402.8M
$401.1M – $404.5M
$494.2M
$484.3M – $500.3M
$595.6M
$583.6M – $602.9M
EBITDA -$85.2M
-$86.8M – -$82.6M
-$100.3M
-$100.7M – -$99.9M
-$123.1M
-$124.6M – -$120.6M
-$148.3M
-$150.1M – -$145.3M
Net Income $34.0M
$29.6M – $40.6M
$52.1M
$51.2M – $53.0M
$71.2M
$69.4M – $72.4M
$100.8M
$98.1M – $102.4M
EPS
Growth Trends (YoY %)
Last updated: Jun 27, 2026 7:59am (just now)
Metric 2022 2023 2024 2025
Revenue Growth +5.2% +25.5% +25.0% +22.0%
Gross Profit Growth -9.6% +23.3% +15.4% +14.6%
Operating Income Growth +18.0% +69.9% +80.6% +170.1%
Net Income Growth -27.0% +75.9% +106.0% +578.8%
EBITDA Growth -28.6% +77.2% +111.8% +435.1%
Insider Trading (Recent)
Type codes PPurchase SSale AAward / grant MOption exercise FIn-kind (tax) CConversion GGift DReturn to issuer
All SEC Form 4 codes
Open market
P Purchase
Open-market or private purchase of shares.
S Sale
Open-market or private sale of shares.
Compensation (Rule 16b-3)
A Award / grant
Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
D Return to issuer
Securities disposed back to the company under Rule 16b-3.
F In-kind (tax)
Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
I Discretionary
Discretionary transaction under an employee plan — Rule 16b-3(f).
M Option exercise
Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
C Conversion
Conversion of a derivative security into the underlying shares.
E Short expiration
Expiration of a short derivative position.
H Long expiration
Expiration or cancellation of a long derivative position with value received.
O OTM exercise
Exercise of an out-of-the-money derivative.
X ITM exercise
Exercise of an in-the-money or at-the-money derivative.
Other exempt
G Gift
Bona fide gift of securities.
L Small acquisition
Small acquisition under Rule 16a-6.
W Inheritance
Acquisition or disposition by will or the laws of descent.
Z Voting trust
Deposit into or withdrawal from a voting trust.
Other
J Other
Other acquisition or disposition (explained in a Form 4 footnote).
K Equity swap
Transaction in an equity swap or similar instrument.
U Tender / buyout
Disposition via tender of shares in a change-of-control transaction.

Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.

Date Insider Type Shares Price Value
2026-06-18 Reilly John Charles S-Sale 39,115.00 $5.20 $203,398
2026-06-18 Reilly John Charles S-Sale 474.00 $5.21 $2,470
2026-06-18 Reilly John Charles S-Sale 700.00 $5.21 $3,647
2026-06-12 Reilly John Charles F-InKind 17,574.00 $5.23 $91,912
2026-06-12 Reilly John Charles S-Sale 900.00 $5.22 $4,698
2026-06-12 Reilly John Charles S-Sale 54,244.00 $5.21 $282,611
2026-06-12 Cohen Jon R F-InKind 99,720.00 $5.23 $521,536
2026-06-12 Watson Katelyn F-InKind 7,181.00 $5.23 $37,557
2026-06-12 Harris Ian Jiro F-InKind 38,561.00 $5.23 $201,674
2026-06-01 Shachar Erez A-Award 2,402.00 $0.00 $0
2026-06-01 Braunstein Douglas L A-Award 3,363.00 $0.00 $0
2026-06-01 Pawar Madhu A-Award 1,922.00 $0.00 $0
2026-03-31 Cohen Jon R A-Award 387,823.00 $0.00 $0
2026-03-31 Margolin Gil A-Award 58,174.00 $0.00 $0
2026-03-31 Harris Ian Jiro A-Award 145,434.00 $0.00 $0
2026-03-31 Watson Katelyn A-Award 38,783.00 $0.00 $0
2026-03-31 Reilly John Charles A-Award 92,108.00 $0.00 $0
2026-03-13 Watson Katelyn F-InKind 2,640.00 $4.82 $12,725
2026-03-13 Watson Katelyn F-InKind 1,312.00 $4.82 $6,324
2026-03-13 Watson Katelyn F-InKind 1,598.00 $4.82 $7,702
Narrative Economics
The story the market is telling about this stock — the intangible X-factor (founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for TALK — it's generated by the pipeline (market-narrative step).
Delvantic AI Findings
Independent analyst synthesis · Delvantic - Cairn AI · generated 2026-06-01 19:03:27
Reviews the pipeline's own verdicts
Verdict Modestly overvalued at $5.23 — fair value $3.75–4.25 given gross margin compression from 59% to 43% and Q1'26 profitability reversal; pass until Q2'26 confirms margin stabilization, then revisit.

The raw numbers tell a cleaner story than the models acknowledge. Revenue has compounded from $113.7M (2021) to $228.9M (2025) — a 19% CAGR — but the more important fact is the operating leverage inflection: op income went from -$93.9M (2021) to -$77.0M (2022) to -$23.2M (2023) to -$4.5M (2024) to +$3.2M (2025). That's $97M of operating margin expansion on ~$115M of incremental revenue, an ~85% incremental margin. Q1'26 at $61.7M is +18% YoY but down sequentially from $63.0M in Q4'25, and the swing to -$6.3M NI from +$4.8M is the first real wobble. The "decelerating quarterly trend" tag in secondary signals is doing real work here — this is the print that breaks the linear extrapolation everyone was running.

I disagree with the rule-based "high_growth_profitable" archetype at confidence 0.5 — that's a misclassification. Five-year cumulative net income is still deeply negative; 2025's $7.8M NI on $228.9M revenue is a 3.4% net margin that just turned negative again in Q1'26. The pre-flight tag of "pre-profit-platform" is more honest. The synthesis verdict of "High Conviction Required" and Market Forces' "value trap" framing are both defensible but they're hedging in opposite directions and the user should notice: synthesis sees a "plausible path," market-forces sees insider awards during the inflection (387K + 145K + 92K share grants on 3/31/26 — that's dilutive issuance, not conviction buying) plus structural churn. The insider data is actually a mild negative the models soft-pedaled: five A-Awards totaling ~720K shares on the same day Q1 closed is management paying itself in equity right before a margin miss.

The contrarian case against the bull thesis is sharper than the narrative layer suggests. At $0.88B market cap, 2.67x sales, and TTM net margin of 3.4% (generously), you're paying ~78x normalized earnings for a business whose Q1'26 just demonstrated that profitability is non-linear and reversible. BetterHelp (Teladoc segment) revenue has been declining; that's not a sign of category consolidation, it's a sign of category fatigue at the consumer-pay end. Talkspace's growth is increasingly B2B/payer-driven, which structurally caps gross margin at ~43% (already visible: gross margin went from 58.7% in 2021 to 43.0% in 2025 — that's a 1,500 bps compression nobody flagged). Revenue is growing but unit economics are getting worse, not better. FCF of -$2.1M on $8.5M OCF with $10.6M capex for an asset-light platform is also a yellow flag — what is a teletherapy company capitalizing?

I dissent partially from the synthesis. "High Conviction Required" is a non-verdict. The numbers say this is a decent business with deteriorating gross margins, a Q1 profitability reversal, dilutive insider awards, and a valuation (2.67x sales, ~$0.88B cap) that already credits the bull case of sustained 20% growth plus margin expansion. Fair value, if you haircut growth to 15% and assume gross margin stabilizes at 42-43% with 5-7% steady-state operating margin, lands around $3.75-4.25 — roughly 20-25% downside from $5.23. The bull case to $7-8 requires Q2'26 to reassert the Q4'25 trajectory ($4.8M NI on $63M rev) and gross margin to stop compressing. Both are testable in the next two prints. This isn't a value trap yet and it isn't a buy — it's a show-me stock that the market has already shown some patience with, and Q1'26 used up a chunk of that patience.

GPT Critique
Second-opinion review · gpt-4o · generated 2026-06-01 19:03:38
Reviews the Opus findings above
Verdict I agree with Opus — Talkspace is overvalued at $5.23, with a fair value nearer to $3.75–4.25, reflecting concerns about margin compression and recent profitability issues.

In my independent assessment of Talkspace, Inc., the most striking aspect is the company's rapid revenue growth juxtaposed with its volatile profitability. From 2021 to 2025, Talkspace's revenue grew from $113.7 million to $228.9 million, a commendable CAGR of approximately 19%. However, despite this growth, the company has struggled with consistent profitability, as seen in the net income fluctuations, with a notable negative margin in Q1'26 (-$6.3M) after a positive Q4'25 ($4.8M). This recent downturn suggests fragility in their profit momentum, contradicting the narrative of sustained operational improvement. The gross margin compression from 59% in 2021 to 43% in 2025 further indicates deteriorating unit economics, which is concerning for a company that operates in a competitive digital health sector.

Regarding Delvantic AI's analysis, I agree with Opus's view that Talkspace is modestly overvalued at $5.23, given the gross margin compression and recent profitability issues. The EV/EBITDA and P/E ratios, both well above normative thresholds, underscore the precarious valuation. Opus rightly highlights the sequential revenue decline from Q4'25 to Q1'26, which challenges the high-growth classification and supports the pre-profit platform tag. The insider awards during a margin miss also raise red flags about leadership's confidence in sustained performance improvement.

However, I diverge from Opus on the characterization of the insider transactions. While Opus interprets these as dilutive and a negative signal, I argue that they might reflect standard compensation practices rather than a deliberate sell-off, particularly in tech companies where equity-based compensation is prevalent. Nonetheless, the timing of these awards does warrant scrutiny, especially given the company's financial volatility.

A careful skeptic might argue that the market has already priced in much of the risk, as the stock trades at a relatively modest 2.67x sales, suggesting skepticism about Talkspace's ability to sustain its growth and margins. This view could be bolstered by the broader competitive landscape and potential regulatory headwinds that could cap the company’s long-term growth prospects.

Community AI Feedback
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My Notes personal — only you see this
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30