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Monarch Casino & Resort Inc. (MCRI) Stock Fundamental Analysis & AI Rating 2026

MCRI Nasdaq Hotels & Motels NV CIK: 0000907242
Updated This Month • Analysis: May 6, 2026 • SEC Data: 2026-03-31
Combined AI Rating
BUY
78% Confidence
N/A
BUY
78% Conf
Pending
Analysis scheduled

📊 MCRI Key Takeaways

Revenue: $136.6M
Net Margin: 20.2%
Free Cash Flow: $43.0M
Current Ratio: 0.98x
Debt/Equity: 0.01x
EPS: $1.52
AI Rating: BUY with 78% confidence
Monarch Casino & Resort Inc. (MCRI) receives a BUY rating with 78% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $136.6M, net profit margin of 20.2%, and return on equity (ROE) of 5.0%, Monarch Casino & Resort Inc. demonstrates strong fundamentals in the Real Estate sector. Below is our complete MCRI stock analysis for 2026.

Is Monarch Casino & Resort Inc. (MCRI) a Good Investment?

Claude

Monarch Casino exhibits exceptional financial health with a pristine balance sheet (0.01x D/E, $120.1M cash, $5.5M debt) and strong profitability (26% operating margin, 20.2% net margin). The 41.4% YoY EPS growth despite modest 4.4% revenue growth demonstrates excellent operational leverage and improving efficiency, supported by robust $43M free cash flow generation.

Why Buy Monarch Casino & Resort Inc. Stock? MCRI Key Strengths

Claude
  • + Fortress balance sheet with negligible debt, 200.8x interest coverage, and cash position representing 16.6% of total assets
  • + Strong profitability: 26% operating margin and 31.5% free cash flow margin indicate efficient asset utilization
  • + Operating leverage driving 41.4% EPS growth significantly outpacing 4.4% revenue growth, signaling improved operational efficiency
  • + Free cash flow of $43M substantially exceeds $5.6M capex, providing capital flexibility

MCRI Stock Risks: Monarch Casino & Resort Inc. Investment Risks

Claude
  • ! Modest 4.4% revenue growth raises concerns about market demand and competitive market share dynamics
  • ! Current ratio (0.98x) and quick ratio (0.92x) below 1.0x indicate tight near-term liquidity despite cash buffer
  • ! Cyclical hospitality/gaming sector exposure to economic downturns and discretionary spending compression
  • ! Low CapEx relative to historical norms may indicate underinvestment in property maintenance and modernization

Key Metrics to Watch

Claude
  • * Revenue growth acceleration and comparable property performance metrics
  • * Operating margin sustainability and labor cost inflation impacts
  • * Capital allocation strategy and dividend/buyback policy for excess cash

Monarch Casino & Resort Inc. (MCRI) Financial Metrics & Key Ratios

Revenue
$136.6M
Net Income
$27.6M
EPS (Diluted)
$1.52
Free Cash Flow
$43.0M
Total Assets
$725.2M
Cash Position
$120.1M

💡 AI Analyst Insight

The 31.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.

MCRI Profit Margin, ROE & Profitability Analysis

Gross Margin 25.6%
Operating Margin 26.0%
Net Margin 20.2%
ROE 5.0%
ROA 3.8%
FCF Margin 31.5%

MCRI vs Real Estate Sector: How Monarch Casino & Resort Inc. Compares

How Monarch Casino & Resort Inc. compares to Real Estate sector averages

Net Margin
MCRI 20.2%
vs
Sector Avg 20.0%
MCRI Sector
ROE
MCRI 5.0%
vs
Sector Avg 8.0%
MCRI Sector
Current Ratio
MCRI 1.0x
vs
Sector Avg 1.5x
MCRI Sector
Debt/Equity
MCRI 0.0x
vs
Sector Avg 1.5x
MCRI Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Monarch Casino & Resort Inc. Stock Overvalued? MCRI Valuation Analysis 2026

Based on fundamental analysis, Monarch Casino & Resort Inc. has mixed fundamental signals relative to the Real Estate sector in 2026.

Return on Equity
5.0%
Sector avg: 8%
Net Profit Margin
20.2%
Sector avg: 20%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.01x
Sector avg: 1.5x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Monarch Casino & Resort Inc. Balance Sheet: MCRI Debt, Cash & Liquidity

Current Ratio
0.98x
Quick Ratio
0.92x
Debt/Equity
0.01x
Debt/Assets
24.2%
Interest Coverage
200.81x
Long-term Debt
$5.5M

MCRI Revenue & Earnings Growth: 5-Year Financial Trend

MCRI 5-year financial data: Year 2019: Revenue $279.3M, Net Income N/A, EPS N/A. Year 2022: Revenue $477.9M, Net Income $23.7M, EPS $1.25. Year 2023: Revenue $501.5M, Net Income $68.5M, EPS $3.53. Year 2024: Revenue $522.2M, Net Income $87.5M, EPS $4.47. Year 2025: Revenue $545.1M, Net Income $82.4M, EPS $4.20.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Monarch Casino & Resort Inc.'s revenue has grown significantly by 95% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.20 reflects profitable operations.

MCRI Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
31.5%
Free cash flow / Revenue

MCRI Quarterly Earnings & Performance

Quarterly financial performance data for Monarch Casino & Resort Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q1 2026 $125.4M $19.9M $1.05
Q3 2025 $137.9M $18.3M $1.47
Q2 2025 $128.1M $18.3M $1.19
Q1 2025 $121.7M $18.3M $0.93
Q3 2024 $133.0M $17.7M $1.23
Q2 2024 $123.7M $17.7M $1.14
Q1 2024 $116.6M $17.7M $0.90
Q3 2023 $133.0M $17.7M $1.23

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Monarch Casino & Resort Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$48.5M
Cash generated from operations
Stock Buybacks
$17.7M
Shares repurchased (TTM)
Capital Expenditures
$5.6M
Investment in assets
Dividends Paid
$5.4M
Returned to shareholders

MCRI SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Monarch Casino & Resort Inc. (CIK: 0000907242)

📋 Recent SEC Filings

Date Form Document Action
Apr 30, 2026 10-Q mcri-20260331x10q.htm View →
Apr 30, 2026 4 xslF345X06/primary_doc.xml View →
Apr 24, 2026 4 xslF345X06/primary_doc.xml View →
Apr 22, 2026 8-K f8k_042126.htm View →
Apr 13, 2026 DEF 14A mcri-20260527xdef14a.htm View →

Frequently Asked Questions about MCRI

What is the AI rating for MCRI?

Monarch Casino & Resort Inc. (MCRI) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.

What are MCRI's key strengths?

Claude: Fortress balance sheet with negligible debt, 200.8x interest coverage, and cash position representing 16.6% of total assets. Strong profitability: 26% operating margin and 31.5% free cash flow margin indicate efficient asset utilization.

What are the risks of investing in MCRI?

Claude: Modest 4.4% revenue growth raises concerns about market demand and competitive market share dynamics. Current ratio (0.98x) and quick ratio (0.92x) below 1.0x indicate tight near-term liquidity despite cash buffer.

What is MCRI's revenue and growth?

Monarch Casino & Resort Inc. reported revenue of $136.6M.

Does MCRI pay dividends?

Monarch Casino & Resort Inc. pays dividends, with $5.4M distributed to shareholders in the trailing twelve months.

Where can I find MCRI SEC filings?

Official SEC filings for Monarch Casino & Resort Inc. (CIK: 0000907242) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is MCRI's EPS?

Monarch Casino & Resort Inc. has a diluted EPS of $1.52.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is MCRI a good stock to buy right now?

Based on our AI fundamental analysis in May 2026, Monarch Casino & Resort Inc. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.

Is MCRI stock overvalued or undervalued?

Valuation metrics for MCRI: ROE of 5.0% (sector avg: 8%), net margin of 20.2% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.

Should I buy MCRI stock in 2026?

Our dual AI analysis gives Monarch Casino & Resort Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.

What is MCRI's free cash flow?

Monarch Casino & Resort Inc.'s operating cash flow is $48.5M, with capital expenditures of $5.6M. FCF margin is 31.5%.

How does MCRI compare to other Real Estate stocks?

Vs Real Estate sector averages: Net margin 20.2% (avg: 20%), ROE 5.0% (avg: 8%), current ratio 0.98 (avg: 1.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: May 6, 2026 | Data as of: 2026-03-31 | Powered by Claude AI