WAYHIGH SIGNALFINANCIAL10-K

Waystar achieved a dramatic turnaround from a $19.1M net loss to $112.1M profit while significantly expanding operations, though cash position declined sharply and debt increased substantially.

The 686% swing from loss to profitability combined with doubled operating income demonstrates strong operational execution and business model improvement. However, the 66% decline in cash reserves alongside 19% debt increase and 50% jump in current liabilities suggests aggressive growth financing that requires monitoring for liquidity management.

Comparing 2026-02-17 vs 2025-02-18View on EDGAR →
FINANCIAL ANALYSIS

Waystar delivered exceptional profitability improvements with net income swinging from -$19.1M to +$112.1M and operating cash flow surging 82% to $309.7M, indicating strong underlying business performance. However, the company significantly leveraged its balance sheet to fund growth, with total debt rising 19% to $1.5B while cash reserves fell 66% to just $61.4M. The 26% growth in total assets and stockholders' equity suggests successful expansion, but the sharp decline in cash relative to increased debt and current liabilities creates a notable liquidity dynamic that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+686.1%
-$19.1M$112.1M

Net income grew 686.1% — bottom-line growth signals improving overall business health.

Operating Income
P&L
+101.5%
$123.7M$249.3M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Operating Cash Flow
Cash Flow
+82.4%
$169.8M$309.7M

Operating cash flow surged 82.4% — exceptional cash generation, highest quality earnings signal.

Cash & Equivalents
Balance Sheet
-66.3%
$182.1M$61.4M

Cash declined 66.3% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Current Liabilities
Balance Sheet
+49.7%
$145.6M$218.1M

Current liabilities surged 49.7% — significant near-term obligations; verify ability to meet short-term debt.

Total Liabilities
Balance Sheet
+27.3%
$1.5B$1.9B

Liabilities increased 27.3% — monitor debt-to-equity ratio and interest coverage.

Total Assets
Balance Sheet
+26.4%
$4.6B$5.8B

Asset base grew 26.4% — expansion through organic growth, acquisitions, or capital deployment.

Stockholders Equity
Balance Sheet
+25.9%
$3.1B$3.9B

Equity base grew 25.9% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Accounts Receivable
Balance Sheet
+21.9%
$145.2M$177.0M

Receivables grew 21.9% — monitor days sales outstanding for collection efficiency.

Total Debt
Balance Sheet
+19.1%
$1.2B$1.5B

Debt rose 19.1% — additional borrowing for investment or operations; monitor coverage ratios.

LANGUAGE CHANGES
NEW — 2026-02-17
PRIOR — 2025-02-18
ADDED
generally accepted accounting principles; Institutional Investors means EQT, CPPIB, and Bain, and their respective affiliates; "Iodine" means Iodine Software Holdings, Inc.; JOBS Act means the U.S.
Overview Waystar provides healthcare organizations with mission-critical AI-powered software that simplifies healthcare payments for providers across the continuum of care.
Our enterprise-grade platform streamlines the complex and disparate processes providers must manage to ensure accurate reimbursement and improves the payments experience for providers, patients, and payers.
The healthcare payment ecosystem is highly complex, spanning the full patient journey from pre-service patient onboarding and extending through post-service revenue collection, with dozens of interdependent steps in between.
Within this multi-step workflow, the process for determining how much a provider should be reimbursed involves millions of permutations of variables, such as unique payer contracts, each with individual rules, processes, and reimbursement requirements.
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REMOVED
generally accepted accounting principles; Institutional Investors means EQT, CPPIB, and Bain, and their respective affiliates; JOBS Act means the U.S.
You should not place undue reliance on our forward-looking statements.
Overview Waystar provides healthcare organizations with mission-critical cloud software that simplifies healthcare payments.
Our enterprise-grade platform streamlines the complex and disparate processes our healthcare provider clients must manage to be reimbursed correctly, while improving the payments experience for providers, patients, and payers.
The healthcare payment ecosystem is highly complex, beginning with pre-service patient onboarding and extending through post-service revenue collection, with dozens of interdependent steps in between.
+7 more — sign up free →
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