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CARDIOL THERAPEUTICS INC. CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS THREE MONTHS ENDED MARCH 31, 2026 (EXPRESSED IN CANADIAN DOLLARS) (UNAUDITED) Cardiol Therapeutics Inc. Condensed Interim Consolidated Stateme

Key Takeaway: Cardiol Therapeutics Inc. reported its condensed interim consolidated financial statements for the three months ending March 31, 2026. The company registered a net loss of 10.82 million CAD, which reflects a significant increase compared to the same period in the previous year. Despite an increase in total assets and cash reserves, total liabilities also rose. The financial outlook indicates challenges as operating expenses remain high, thereby exerting pressure on profitability.

Market Sentiment Analysis

POSITIVE FACTORS

  • Cash and cash equivalents increased to 27.67 million CAD.
  • Total assets have risen to 31.41 million CAD.

CONCERNS & RISKS

  • Net loss increased to 10.82 million CAD for the quarter.
  • Total liabilities rose to 7.20 million CAD.

Full Press Release Details

INTERIM CONSOLIDATED FINANCIAL STATEMENTS
MONTHS ENDED MARCH 31, 2026
(EXPRESSED IN CANADIAN
As at March 31, 2026 As at December 31, 2025
ASSETS
Current assets
Cash and cash equivalents (note 3) $ 27,673,191 $ 21,416,684
Accounts receivable 70,076 55,727
Other receivables 269,630 170,468
Prepaid expenses 3,254,741 1,858,961
Total current assets 31,267,638 23,501,840
Non-current assets
Property and equipment (note 4) 138,969 118,093
Total assets $ 31,406,607 $ 23,619,933
EQUITY AND LIABILITIES
Current liabilities
Accounts payable and accrued liabilities $ 3,419,508 $ 3,478,825
Current portion of lease liability (note 5) 39,792 38,347
Derivative liability (note 6) 3,667,386 2,137,867
Total current liabilities 7,126,686 5,655,039
Non-current liabilities
Lease liability (note 5) 76,616 87,176
Total liabilities 7,203,302 5,742,215
Equity
Share capital (note 7) 212,802,439 201,866,449
Warrants (note 9) 2,820,121 -
Contributed surplus 32,472,309 29,084,244
Deficit (223,891,564 ) (213,072,975 )
Total equity 24,203,305 17,877,718
Total equity and liabilities $ 31,406,607 $ 23,619,933
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Commitments (note 11)
Subsequent events (notes 8
Approved on behalf of the Board:
" David Elsley ", Director " Guillermo Torre-Amione ", Director
Three Months Ended March 31, 2026 Three Months Ended March 31, 2025
Operating expenses (notes 8, 12, 13)
General and administration (note 12) $ 4,757,383 $ 4,671,651
Research and development (note 12) 4,949,411 3,757,412
Loss before other income (expenses) (9,706,794 ) (8,429,063 )
Interest income (note 3) 200,724 248,269
Gain (loss) on foreign exchange 217,000 (106,859 )
Change in derivative liability (note 6) (1,529,519 ) -
Net loss and comprehensive loss for the period $ (10,818,589 ) $ (8,287,653 )
Basic and diluted net loss per share (note 10) $ (0.10 ) $ (0.10 )
Weighted average number of common shares outstanding 108,987,584 82,608,992
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Three Months Three Months
Ended Ended
March 31, March 31,
2026 2025
Operating activities
Net loss and comprehensive loss for the period $ (10,818,589 ) $ (8,287,653 )
Adjustments for:
Depreciation of property and equipment 26,709 24,986
Share-based compensation (note 8) 1,842,835 1,146,974
Change in derivative liability 1,529,519 -
Unrealized foreign exchange (gain)/loss on cash (221,941 ) 107,778
Accretion on lease liability 4,729 5,972
Changes in non-cash working capital items:
Accounts receivable (14,349 ) 24,406
Other receivables (99,162 ) (9,475 )
Prepaid expenses (1,395,780 ) (906,450 )
Accounts payable and accrued liabilities 1,628,398 739,695
Net cash used in operating activities (7,517,631 ) (7,153,767 )
Investing activities
Purchase of property and equipment (47,585 ) (11,939 )
Net cash used in investing activities (47,585 ) (11,939 )
Financing activities
Issuance of units 14,850,001 -
Share issuance costs (1,236,375 ) -
Payment of lease liability (13,844 ) (13,844 )
Net cash provided by (used in) financing activities 13,599,782 (13,844 )
Net change in cash and cash equivalents 6,034,566 (7,179,550 )
Cash and cash equivalents, beginning of period 21,416,684 30,580,029
Impact of foreign exchange on cash and cash equivalents 221,941 (107,778 )
Cash and cash equivalents, end of period $ 27,673,191 $ 23,292,701
Supplemental information
Accounts payable and accrued liabilities settled through equity $ 1,687,715 $ -
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Share capital Contributed
Number Amount Warrants surplus Deficit Total
Balance, December 31, 2024 82,608,992 $ 179,335,421 $ - $ 24,647,163 $ (179,254,101 ) $ 24,728,483
Share-based compensation (note 8) - - - 1,146,974 - 1,146,974
Net loss and comprehensive loss for the period - - - - (8,287,653 ) (8,287,653 )
Balance, March 31, 2025 82,608,992 $ 179,335,421 $ - $ 25,794,137 $ (187,541,754 ) $ 17,587,804
Balance, December 31, 2025 100,257,009 $ 201,866,449 $ - $ 29,084,244 $ (213,072,975 ) $ 17,877,718
Issuance of units 11,423,078 14,850,001 - - - 14,850,001
Share issuance costs - (980,255 ) (256,120 ) - - (1,236,375 )
Fair value of warrants - (3,076,241 ) 3,076,241 - - -
Performance share units exercised 191,997 142,485 - (142,485 ) - -
Share-based compensation (note 8) - - - 3,530,550 - 3,530,550
Net loss and comprehensive loss for the period - - - - (10,818,589 ) (10,818,589 )
Balance, March 31, 2026 111,872,084 $ 212,802,439 $ 2,820,121 $ 32,472,309 $ (223,891,564 ) $ 24,203,305
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated
Financial Statements
Three Months Ended March 31,
(Expressed in Canadian Dollars)
Cardiol Therapeutics
Inc. was incorporated under the laws of the Province of Ontario on January 19, 2017. The Corporation's registered and legal office
is located at 2265 Upper Middle Rd. E., Suite 602, Oakville, Ontario, L6H 0G5, Canada.
Cardiol Therapeutics
Inc. and its subsidiary (the "Corporation" or "Cardiol") is a late-stage life sciences company focused on advancing
the development of anti-inflammatory and anti-fibrotic therapies for heart disease. The Company's lead small-molecule drug candidate,
CardiolRx , modulates inflammasome pathway activation, an intracellular process known to play an important role in the development
and progression of inflammation and fibrosis associated with pericarditis, myocarditis, and heart failure.
2018, the Corporation completed its initial public offering on the Toronto Stock Exchange (the "TSX") and its common shares
commenced trading on the TSX under the symbol "CRDL". On August 10, 2021, the Corporation's common shares commenced trading
on The Nasdaq Capital Market under the symbol "CRDL".
condensed interim consolidated financial statements have been prepared in accordance with International Accounting Standard 34, Interim
Financial Reporting. Accordingly, they do not include all of the information required for full annual financial statements required by
International Financial Reporting Standards as issued by the International Accounting Standards Board (IASB) ("IFRS Accounting
condensed interim consolidated financial statements have been prepared on a historical cost basis. In addition, these unaudited condensed
interim consolidated financial statements have been prepared using the accrual basis of accounting except for cash flow information.
The policies applied
in these unaudited condensed interim consolidated financial statements are based on IFRS Accounting Standards issued and outstanding
as of May 11, 2026, the date the Board of Directors approved the statements. The same accounting policies and methods of computation
are followed in these unaudited condensed interim consolidated financial statements as compared with the most recent annual consolidated
financial statements as at and for the year ended December 31, 2025.
changes to IFRS Accounting Standards that are given effect in the Corporation's annual consolidated financial statements for the
year ending December 31, 2026, could result in restatement of these unaudited condensed interim consolidated financial statements.
on cash and cash equivalents for the three months ended March 31, 2026, amounted to $200,724 (three months ended March 31,
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated Financial Statements
Three Months Ended March 31, 2026
(Expressed in Canadian Dollars)
Cost Right-of- use asset Equipment Leasehold improvements Office equipment Computer equipment Total
Balance, December 31, 2024 $ 341,238 $ 172,954 $ 237,248 $ 66,864 $ 149,947 $ 968,251
Additions - - - 1,937 22,547 24,484
Balance, December 31, 2025 341,238 172,954 237,248 $ 68,801 $ 172,494 $ 992,735
Additions - 43,331 - - 4,254 47,585
Balance, March 31, 2026 $ 341,238 $ 216,285 $ 237,248 $ 68,801 $ 176,748 $ 1,040,320
Accumulated Depreciation Right-of- use asset Equipment Leasehold improvements Office equipment Computer equipment Total
Balance, December 31, 2024 $ 260,652 $ 130,647 $ 237,248 $ 45,657 $ 98,455 $ 772,659
Depreciation for the year 63,984 12,692 - 4,435 20,872 101,983
Balance, December 31, 2025 $ 324,636 $ 143,339 $ 237,248 $ 50,092 $ 119,327 $ 874,642
Depreciation for the period 15,996 5,471 - 935 4,307 26,709
Balance, March 31, 2026 $ 340,632 $ 148,810 $ 237,248 $ 51,027 $ 123,634 $ 901,351
Carrying value Right-of- use asset Equipment Leasehold improvements Office equipment Computer equipment Total
Balance, December 31, 2025 $ 16,602 $ 29,615 $ - $ 18,709 $ 53,167 $ 118,093
Balance, March 31, 2026 $ 606 $ 67,475 $ - $ 17,774 $ 53,114 $ 138,969
Carrying Value
Balance, December 31, 2024 $ 158,532
Repayments (55,376 )
Accretion 22,367
Balance, December 31, 2025 $ 125,523
Repayments (13,844 )
Accretion 4,729
Balance, March 31, 2026 $ 116,408
Current portion 39,792
Long-term portion $ 76,616
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated Financial Statements
Three Months Ended March 31, 2026
(Expressed in Canadian Dollars)
the Corporation issued 5,712,500 warrants as part of a unit financing. Each warrant is exercisable into one common share at the price
of US$1.35 per share for a period of two years from closing. The original estimated fair value of $3,089,610 was assigned to the 5,712,500
warrants issued by using a fair value market technique incorporating the Black-Scholes option pricing model, with the following assumptions:
a share price of $1.46, a risk-free interest rate of 2.37%; an expected volatility factor of 81%; and an expected life of 2 years. The
only significant unobservable input is the volatility, which could cause an increase or decrease in fair value. The warrants have been
classified as a derivative liability on the statement of financial position and are re-valued at each reporting date, as the warrants
were issued in a currency other than the Corporation's functional currency. As at March 31, 2026, the fair value of the derivative
liability was $3,667,386 (December 31, 2025 - $2,137,867), resulting in an increase in the value of the derivative liability for
the three months ended March 31, 2026, of $1,529,519. As at March 31, 2026, all 5,712,500 warrants remain outstanding.
Significant assumptions
used in determining the fair value of the derivative warrant liabilities are as follows:
Three Months Ended
March 31,
2026
Share price $ 1.89
Exercise price $ 1.88
Risk-free interest rate 2.82 %
Expected volatility 67 %
Expected life in years 1.55
Expected dividend yield Nil
a) Authorized share capital
The authorized share capital consists
of an unlimited number of common shares. The common shares do not have a par value. All issued shares are fully paid.
b) Common shares issued
Number of
common shares Amount
Balance, December 31, 2024 and March 31, 2025 82,608,992 $ 179,335,421
Balance, December 31, 2025 100,257,009 $ 201,866,449
Issuance of units (i) 11,423,078 14,850,001
Share issuance costs (i) - (980,255 )
Fair value of warrants (i) - (3,076,241 )
Performance share units exercised (note 8) 191,997 142,485
Balance, March 31, 2026 111,872,084 $ 212,802,439
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated
Financial Statements
Three Months Ended March 31,
(Expressed in Canadian Dollars) Unaudited
b) Common shares issued (continued)
(i) In January 2026,
the Corporation completed a unit financing by issuing 11,423,078 common share units at $1.30 per unit for gross proceeds of $14,850,001.
Each unit consisted of one common share and one-half of one common share purchase warrant. Each whole warrant is exercisable into one
common share at the price of $1.75 per share for a period of 2 years from closing. Share issuance costs of $1,236,375 were incurred,
of which $256,120 was allocated to warrants.
The fair value of $3,076,241 was assigned
to the 5,711,539 warrants issued as part of the units as estimated by using a fair market value technique incorporating the Black-Scholes
option pricing model based on the assumptions below:
Share price $ 1.41
Exercise price $ 1.75
Risk-free interest rate 2.60 %
Expected volatility 80 %
Expected life in years 2.00
Expected dividend yield Nil
has adopted an Omnibus Equity Incentive Plan in accordance with the policies of the TSX, which permits the grant or issuance of options,
Restricted Share Units ("RSUs"), Performance Share Units ("PSUs"), and Deferred Share Units ("DSUs"), as
well as other share-based payment arrangements. The maximum number of shares that may be issued upon the exercise or settlement of awards
granted under the plan may not exceed 15% of the Corporation's issued and outstanding shares from time to time. The Board of Directors
determines the price per common share and the number of common shares which may be allotted to directors, officers, employees, and consultants,
and all other terms and conditions of the option, subject to the rules of the TSX.
three months ended March 31, 2026, the total expenses related to share-based compensation amounted to $1,842,835 (three months
ended March 31, 2025 - $1,146,974). All outstanding awards are settleable with common shares and not cash.
Number of Weighted average
stock options exercise price ($)
Balance, December 31, 2024 1,487,500 $ 2.76
Issued 1,200,000 1.63
Expired (170,000 ) 2.68
Balance, March 31, 2025 2,517,500 $ 2.22
Balance, December 31, 2025 and March 31, 2026 4,782,500 $ 1.73

Frequently Asked Questions

What are Cardiol Therapeutics' total assets as of March 31, 2026?

Total assets are $31,406,607 as of March 31, 2026.

What was the net loss for Cardiol Therapeutics in Q1 2026?

The net loss for Q1 2026 was $10,818,589.

How much cash and cash equivalents did the company have?

Cash and cash equivalents totaled $27,673,191 as of March 31, 2026.

What are the current liabilities reported by the company?

Current liabilities total $7,126,686 as of March 31, 2026.

What is CardiolRx used for?

CardiolRx aims to address inflammation and fibrosis in heart disease.

Last updated: May 11, 2026