AFC Gamma Stock Analysis
| AFCG Stock | USD 2.99 0.02 0.67% |
200 Day MA 3.2956 | 50 Day MA 2.5874 | Beta 0.877 |
Macro event markers
AFCG is currently reading as below model estimate relative to an analyst target price of $8.0. For AFCG, valuation context starts with the gap between intrinsic value and the price the market currently assigns. Intrinsic value anchors what AFCG may be worth independent of current market pricing. Fundamentals define what AFCG is worth; technicals reveal what the market is doing about it. AFCG reports negative return on equity, directing analytical focus toward capital allocation efficiency and the trajectory of shareholder value.
AFCG holds a debt-to-equity ratio of 0.29 relative to financials peers. After subtracting cash and equivalents, Net Debt To EBITDA stood at -2.5961 as of December 31, 2025. In the latest period, Debt To Equity has increased to 0.46, while Short Term Debt is roughly 64.8 M. Net debt trends for AFC Gamma separate actual deleveraging from accounting reclassifications that shift obligations without reducing them. Retained earnings are reduced when a larger share of operating income flows to interest payments. Asset vs Debt
Equity vs Debt
Price Book 0.402 | Price Sales 35.6589 | Shares Float 14.7 M | Dividend Share 0.53 | Wall Street Target Price 8 |
AFC Gamma posted Net Income up $18.9 million year-over-year, a net loss of $20.7 million, and $24.7 million in Net Income Applicable To Common Shares for the reported period.
AFC |
Stock Analysis Notes
About 36.0% of AFCG shares are held by company insiders. AFCG has price-to-book (P/B) ratio of 0.4. Equities trading at this Price to Book (P/B) range may carry value potential, though margin and return quality should confirm. AFCG reported a loss per share of 0.95. AFCG had its last dividend issued on the 31st of March 2026. The firm completed a 1.461-for-1 stock split on 10th of July 2024. AFC Gamma posted $275.6 million in Total Assets, a Return On Tangible Assets of -7.1%, and $0.10 in Asset Turnover for the reported period.Gross Profit | 41.98 Million |
Investor Insights and Alerts
| AFC Gamma had very high historical volatility over the last 90 days | |
| AFC Gamma has high likelihood to experience some financial distress in the next 2 years | |
| AFCG reported previous year's revenue of 31.32 M. Net Loss for the year was -20.67 M with profit before overhead, payroll, taxes, and interest of 1.97 M. | |
| About 36.0% of AFCG shares are held by company insiders | |
| On 15th of April 2026 AFC Gamma paid $ 0.05 per share dividend to its current shareholders |
Largest EPS Surprises
On AFC Gamma, EPS surprise size and direction can reshape short-term return distribution. Consensus estimates aggregate analyst revisions and guidance updates. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2025-05-07 | 2025-03-31 | 0.1625 | 0.18 | 0.0175 | 10 | ||
2025-11-12 | 2025-09-30 | 0.21 | 0.16 | -0.05 | 23 | ||
2021-08-05 | 2021-06-30 | 0.48 | 0.43 | -0.05 | 10 |
Environmental, Social, and Governance (ESG) Scores
For AFC Gamma, ESG factors matter because governance, regulation, and reputation risks can directly affect financial outcomes. ESG history tests whether the company is truly improving governance or just managing disclosure optics.
Top Institutional Investors Holding AFC Stock
AFC Gamma's institutional and insider mix shapes how the stock trades around earnings. Annual revenue is about 31.32 Million. Shares outstanding are near 23.5 M. The insider stake is large enough to signal management alignment, which can steady the price during sell-offs.
| Shares | Susquehanna International Group, Llp | 2025-12-31 | 106.5 K | Jpmorgan Chase & Co | 2025-09-30 | 82.5 K | Jane Street Group Llc | 2025-12-31 | 65.1 K | Bank Of New York Mellon Corp | 2025-09-30 | 63.8 K | Renaissance Technologies Corp | 2025-12-31 | 58.5 K | Advisor Group Holdings, Inc. | 2025-12-31 | 56.4 K | Aqr Capital Management Llc | 2025-12-31 | 54.3 K | Charles Schwab Investment Management Inc | 2025-12-31 | 43.8 K | Amvescap Plc. | 2025-09-30 | 37.8 K | Blackrock Inc | 2025-09-30 | 1.4 M | Vanguard Group Inc | 2025-12-31 | 936.2 K |
Market Capitalization
AFC Gamma carries a micro-cap market capitalization of 70.35 M when compared with mortgage real estate investment trusts (reits) companies. Other size-related inputs worth noting are about 23.53 M shares outstanding, enterprise value near 129.07 M, and a workforce of about 14 people.Profitability
Profitability metrics test whether AFC Gamma is building real earning power or just reporting one-time accounting gains. The key question is whether current profitability is lasting, cyclical, or boosted by items that may not repeat.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | -0.08 | -0.07 | |
| Return On Capital Employed | -0.07 | -0.07 | |
| Return On Assets | -7.50% | -7.13% | |
| Return On Equity | -11.78% | -11.00% |
Management Efficiency
AFCG has return on total asset (ROA) of -6.1 % which means that on every $100 spent on assets, it lost $6.1. This is very low relative to industry peers. Similarly, it shows a return on stockholder's equity (ROE) of -10.97 %, which implies that shareholder value decreased during the period.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | 7.89 | 13.54 | |
| Tangible Book Value Per Share | 7.89 | 13.54 | |
| Enterprise Value Over EBITDA | -6.96 | -6.61 | |
| Price Book Value Ratio | 0.36 | 0.34 | |
| Enterprise Value Multiple | -6.96 | -6.61 | |
| Price Fair Value | 0.36 | 0.34 | |
| Enterprise Value | 101.1 M | 96.1 M |
The management picture for AFC Gamma becomes most actionable when executive decisions are compared with financial outcomes rather than with presentation language alone. Operating efficiency, capital deployment, and guidance credibility together determine how much confidence management warrants.
Operating Margin | Long Term Debt Total | Three Month Return 19.6 | Short Long Term Debt Total | Ten Year Return -81.00 |
Technical Drivers
As of the 26th of April, the last recorded price for AFC Gamma is 2.99 per share. Primary technical drivers reflect coefficient of variation of 886.53, and Market Risk Adjusted Performance of 0.309. Quantitative analysis incorporates volatility metrics and price behavior to assess directional bias. Metrics are compared to industry averages to assess relative positioning.Price Movement Analysis - Bollinger Bands
This analysis covers thirty-eight data points across the selected time horizon. Bollinger Bands are a widely used volatility indicator developed by John Bollinger. The indicator consists of three lines. AFC Gamma middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for AFC Gamma. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Insider Trading Activities
The analytical value in AFC Gamma's insider filings lies in transaction clustering, trade size, and timing relative to price movements rather than any single filing. At micro-cap scale, institutional coverage and secondary-market liquidity are typically well established. These records work best as context, not as standalone buy-or-sell signals.
Outstanding Bonds
Reviewing AFC Gamma bond obligations provides context for understanding how much of the business is financed with fixed-income capital rather than purely with equity. Used together with earnings and cash-flow analysis, the bond stack can reveal whether leverage is a manageable tool or a developing constraint.
| AEP Texas 345 Corp BondUS00108WAK62 | View | |
| AEP Texas 21 Corp BondUS00108WAM29 | View | |
| AEP 345 15 MAY 51 Corp BondUS00108WAN02 | View | |
| AEP 47 15 MAY 32 Corp BondUS00108WAP59 | View | |
| AEP 525 15 MAY 52 Corp BondUS00108WAQ33 | View | |
| AEP TEX INC Corp BondUS00108WAF77 | View | |
| AEP TEX INC Corp BondUS00108WAH34 | View | |
| AEP Texas 415 Corp BondUS00108WAJ99 | View |
Predictive Daily Indicators
Short-horizon indicators in AFC Gamma turn fast-changing price action into clearer risk and execution cues. The key question is whether the signal helps manage exposure in real time, not whether it predicts every tick.
Forecast Models
Forecasting applied to AFC Gamma learns from price structure, volatility patterns, and trend strength rather than commentary alone. They work best when compared with volatility and catalyst risk rather than treated as a single price target.Financial Strength and Earnings Quality Indicators
AFC Gamma financial ratings play a critical role in determining how much AFC Gamma have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for AFC Gamma's borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | -3.15 | Unlikely Manipulator | View |
Debt to Cash Allocation
Tracking debt and cash allocation over time can show when AFC Gamma is prioritizing expansion, refinancing, or capital return.
Total debt stands at approximately $76.32 M with Debt to Equity (D/E) ratio of 0.29. AFCG has a current ratio of 18.55, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about AFC Gamma's use of debt, we should always consider it together with its cash and equity.Total Assets Over Time
Assets Financed by Debt
Debt finances 37.0% of AFCG's total assets — a relatively low share of the asset base, though leverage can still appear elevated relative to peers when measured against equity rather than total assets.AFC Gamma Debt Ratio | 37.0 |
Corporate Bonds Issued
Bond maturity for AFC Gamma is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
AFC Short Long Term Debt Total
Short Long Term Debt Total | 141.56 Million |
Stock Analysis Methodology
This diagnostic view of AFC Gamma reviews financial stability, profitability, and risk indicators. Balance sheet indicators include debt-to-equity of 0.29 and current ratio of 18.93. AFC Gamma trades at P/E of 9.36, P/B of 0.4.
AFC Gamma metrics draw on periodic company reporting and market reference feeds, standardized for cross-period comparison.
Editorial review and methodology oversight provided by: Gabriel Shpitalnik, Member of Macroaxis Editorial Board
Current AFC Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 8.0 | Buy | 6 | Odds |
The recommendation profile for AFC Gamma reflects inputs from several research sources. The recommendation profile is informative when viewed alongside other fundamental measures. Professional analyst coverage of AFC Gamma provides individual investors with access to institutional-quality research. The spread between the highest and lowest AFC price targets reflects the degree of analytical disagreement. A maintained buy rating with a target cut for AFC Gamma often signals deteriorating near-term expectations. The collective analyst view on AFC provides a useful reference for individual investment decisions.
AFC Stock Analysis Indicators
Diagnostics snapshot includes 18 indicators such as Begin Period Cash Flow, Long Term Debt, Common Stock Shares Outstanding.
| Begin Period Cash Flow | 103.6 M | |
| Long Term Debt | 76.3 M | |
| Common Stock Shares Outstanding | 22.3 M | |
| Total Stockholder Equity | 175.6 M | |
| Total Cashflows From Investing Activities | 34.9 M | |
| Tax Provision | -613.4 K | |
| Quarterly Earnings Growth Y O Y | -0.851 | |
| Cash And Short Term Investments | 38.6 M | |
| Cash | 38.6 M | |
| Accounts Payable | 763.2 K | |
| Net Debt | 37.7 M | |
| 50 Day M A | 2.5874 | |
| Total Current Liabilities | 76.3 M | |
| Other Operating Expenses | 45 M | |
| Non Current Assets Total | 236.1 M | |
| Forward Price Earnings | 3.8212 | |
| Non Currrent Assets Other | 27.1 M | |
| Stock Based Compensation | 6.8 M |