AFCG Stock Analysis

AFC Gamma Inc
FINANCIAL SERVICES ASSET MANAGEMENT

Back to Winners View Yahoo Finance Chart Buy on the Dip

Strong Caution Mixed Weak Unavailable

StockValueFinder Grade

36.09 / 100

Weak

Confidence: Very High (97.0%) Coverage: 97.0%

Business Quality 7.7

Financial Strength 9.0

Earnings & Growth 56.0

Valuation 82.6

Market Strength 31.0

The grade combines Business Quality, Financial Strength, Earnings & Growth, Valuation, and Market Strength. Rating and Trend remain separate signals.

Rating AVOID

Avoid

The screening rules are warning against this setup.

Rating is the simple decision label from the screening rules.

Trend NEUTRAL / WATCH

Watch

The trend is interesting but needs confirmation.

Trend shows whether price action is helping or hurting the setup.

P/E Ratio 15.84

Moderate

Not cheap, but not extremely expensive.

P/E shows how much investors pay for each dollar of earnings.

ROIC -7.58%

Poor

Negative ROIC suggests capital is not being used profitably.

ROIC measures how efficiently capital turns into profit.

Debt Payback 6.79 yrs

Weak

A long payback period can raise financial-risk concerns.

Debt payback estimates how quickly debt could be covered.

Interest Coverage -2.02x

Poor

Negative coverage means earnings are not covering interest costs.

Interest coverage shows how easily earnings cover interest costs.

Price $3.01

Market Price

Price alone is not a buy or sell signal.

Price should be judged with valuation, quality, and trend.

Last updated: 2026-10-25 18:10:46

Performance Overview

Trailing adjusted-close returns as of 2026-06-25. Benchmark is SPY.

YTD Return

AFCG +13.20%

SPY +8.25%

1-Year Return

AFCG -26.44%

SPY +22.28%

3-Year Return

AFCG -45.75%

SPY +75.95%

5-Year Return

AFCG -57.44%

SPY +84.20%

Returns are calculated from adjusted close prices and may differ from broker or research-site totals depending on data source, dividend handling, benchmark choice, and latest available trading date.

Legacy Screening Checks

This page uses cached SQL data from the latest StockValueFinder scan, so it loads fast without hitting Alpha Vantage on every page view.

10%

EPS Strength

FAIL

Looks for positive and improving earnings per share.

ROIC 10%+

FAIL

Looks for strong return on invested capital.

Interest Coverage 6+

FAIL

Checks whether operating income comfortably covers interest expense.

Debt Payback ≤ 3 Years

FAIL

Checks whether free cash flow could pay down long-term debt quickly.

P/E 15 or Less

FAIL

Checks whether valuation is reasonable under the current rule set.

Moving Average Trend

NEUTRAL / WATCH

Uses 20-day, 50-day, and 200-day moving averages for entry timing context.

A high StockValueFinder score is a research signal, not a guarantee. Strong companies can still fall during recessions, sector downturns, valuation resets, or company-specific events. Always review the business, risks, SEC filings, valuation, and your personal investment goals before buying.

Cached Technical Data

Moving average values from the latest stored scan.

20-Day MA3.21

50-Day MA3.37

200-Day MA2.96

MA Score3

Latest Published Stock Research

Research generated: October 24, 2026

AFCG Stock Analysis: Why AFC Gamma Inc Scored 10% in Stock Value Finder

AFC Gamma Inc (AFCG): An Educational StockValueFinder Review

This comprehensive review of AFC Gamma Inc (AFCG) aims to provide a detailed analysis based on the metrics provided by StockValueFinder. The goal is to offer an educational insight into how financial analysts and investors evaluate stocks, focusing specifically on AFC Gamma's performance in various key areas.

Overview of AFC Gamma Inc (AFCG)

AFC Gamma Inc operates within the Financial Services sector, with a specific focus on Asset Management. As of the latest data provided by StockValueFinder, the company’s stock is trading at $3.01 per share. The overall score from StockValueFinder is 10%, and the rating assigned to AFCG is AVOID.

Why the StockValueFinder Score Matters

StockValueFinder uses a combination of financial metrics to evaluate stocks comprehensively. The score ranges from 0% to 100%, with higher scores indicating better performance across various financial health indicators. An overall score of 10% suggests that AFC Gamma Inc has significant weaknesses in several key areas, as we will explore below.

EPS Strength and Consistency

Earnings Per Share (EPS) is a critical metric for assessing a company's profitability over time. A consistent positive EPS trend indicates stable earnings growth, which is favorable for long-term investors.

**Supplied Fact**: The EPS test was not passed. - **Explanation**: StockValueFinder typically looks for companies with positive and growing EPS figures to ensure financial stability and strong performance trends. Without specific EPS data, we can infer that AFC Gamma Inc may have inconsistent or declining earnings, which is a red flag.

**Example**: A company with an EPS of $2 per share in the last quarter compared to $1.50 per share in the same quarter last year would be viewed more favorably than one showing negative growth.

ROIC and Capital Efficiency

Return on Invested Capital (ROIC) measures how effectively a company uses its capital to generate profits. A higher ROIC indicates better use of resources, which is crucial for long-term success.

**Supplied Fact**: ROIC: -7.58% - **Explanation**: StockValueFinder generally prefers companies with an ROIC above 10%. An ROIC of -7.58% suggests that AFC Gamma Inc is not only failing to generate returns but also losing money on its investments, which is a significant concern.

**Example**: A company with an ROIC of 15% is using its capital more efficiently than one with an ROIC of 4%, indicating better financial health and growth potential.

Interest Coverage and Financial Safety

Interest coverage ratio measures a company's ability to pay interest on outstanding debt. This metric provides insight into the company’s financial safety and risk level.

**Supplied Fact**: The interest coverage test was not passed. - **Explanation**: StockValueFinder prefers companies with an interest coverage of 6 or higher, indicating that they can comfortably cover their interest expenses multiple times over. A lower ratio suggests potential issues in managing debt obligations.

**Example**: An interest coverage ratio of 8x is healthier than a ratio of 2x, as it indicates better financial stability and less risk associated with debt servicing.

Debt Payback and Balance Sheet Discipline

The debt payback period measures how long it would take for a company to repay its total debt using its current earnings before interest and taxes (EBIT). This metric is crucial for understanding the company's leverage and balance sheet health.

**Supplied Fact**: Debt payback years: 6.79 - **Explanation**: StockValueFinder prefers companies with a debt payback period of 3 years or less, indicating efficient use of capital and lower financial risk. A longer period suggests that it would take the company more time to repay its debts, increasing potential risks.

**Example**: A shorter debt payback period, such as 1.5 years compared to 7 years, indicates better management of liabilities and a healthier balance sheet.

P/E Ratio and Valuation Discipline

The Price-to-Earnings (P/E) ratio is a common valuation metric that compares the stock price with earnings per share. A lower P/E ratio generally suggests better value, assuming other factors are equal.

**Supplied Fact**: P/E ratio: 15.84 - **Explanation**: StockValueFinder prefers companies with a P/E ratio of 15 or lower to maintain valuation discipline and avoid overvaluation risks. A higher P/E ratio may indicate that the stock is priced too high relative to earnings.

**Example**: A company with a P/E ratio of 8 might be considered more undervalued than one with a P/E ratio of 40, assuming similar business quality.

Moving Average Trend and Entry Timing

Moving averages are used to identify trends in stock prices. The moving average signal helps determine the timing for potential entry points based on trend analysis.

**Supplied Fact**: Moving average signal: NEUTRAL / WATCH - **Explanation**: A neutral or watch signal suggests that there is no clear upward or downward trend, and investors should remain cautious until a clearer trend emerges.

**Example**: An uptrend indicated by moving averages would be more favorable than a downtrend for potential entry points.

Overall Financial Strengths and Weaknesses

Based on the metrics provided

**Weaknesses**: AFC Gamma Inc shows significant weaknesses in EPS consistency, ROIC, interest coverage, debt payback period, and P/E ratio. These factors collectively indicate poor financial health and high risk.

**Strengths**: No specific strengths are highlighted by StockValueFinder for AFC Gamma Inc based on the provided data.

Risks and Limitations

**Financial Risk**: High debt levels and negative ROIC suggest significant financial risks. - **Valuation Concerns**: The P/E ratio of 15.84 may indicate overvaluation, especially given other weak metrics. - **Market Trends**: The neutral moving average signal means there is no clear trend to guide entry timing.

Educational Conclusion

This review demonstrates how various financial metrics can be used to evaluate a company's performance and risk profile. For AFC Gamma Inc (AFCG), the low StockValueFinder score of 10% and AVOID rating highlight significant concerns across multiple critical areas, such as earnings consistency, capital efficiency, debt management, and valuation.

Understanding these metrics is crucial for investors looking to make informed decisions based on quantitative analysis rather than speculation. By studying how each metric contributes to a company's overall financial health, investors can better identify high-quality stocks with strong fundamentals.

This article is for research and educational purposes only. It is not personal financial advice, investment advice, or a recommendation to buy or sell any security.

Research links: Yahoo Finance | Seeking Alpha | Finviz | SEC Filings

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