Stan Lee‘s finally revealing why he’s had to bail on his throngs of Marvel Universe fans lately — the comic book legend is fighting pneumonia like Spidey fights crime.

The Marvel co-creator’s recorded a personal message by his friend and filmmaker Keya Morgan to update everyone on his health. You can tell the normally energetic 95-year-old is having a tough time … but he reassures fans he is getting better.

As TMZ reported … Stan’s been dealing with a string of issues, besides his lungs, recently — from missing money, to a face-off with his former body guard and a heart health scare.

On the flip side, the “Black Panther” box office has gotta make him smile. As Stan puts it … “Excelsior!”

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