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AFCG
Upturn stock ratingUpturn stock rating

AFC Gamma Inc (AFCG)

Upturn stock ratingUpturn stock rating
$4.39
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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  • WEEK

Upturn Advisory Summary

08/14/2025: AFCG (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $8.6

1 Year Target Price $8.6

Analysts Price Target For last 52 week
$8.6 Target price
52w Low $3.85
Current$4.39
52w High $9.44

Analysis of Past Performance

Type Stock
Historic Profit 20.33%
Avg. Invested days 42
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 99.20M USD
Price to earnings Ratio 4.88
1Y Target Price 8.6
Price to earnings Ratio 4.88
1Y Target Price 8.6
Volume (30-day avg) 6
Beta 1.11
52 Weeks Range 3.85 - 9.44
Updated Date 08/15/2025
52 Weeks Range 3.85 - 9.44
Updated Date 08/15/2025
Dividends yield (FY) 30.04%
Basic EPS (TTM) 0.9

Earnings Date

Report Date 2025-08-14
When -
Estimate 0.24
Actual 0.15

Profitability

Profit Margin 50.95%
Operating Margin (TTM) 124.58%

Management Effectiveness

Return on Assets (TTM) 4.89%
Return on Equity (TTM) 7.63%

Valuation

Trailing PE 4.88
Forward PE 5.23
Enterprise Value 195087648
Price to Sales(TTM) 2.42
Enterprise Value 195087648
Price to Sales(TTM) 2.42
Enterprise Value to Revenue 6.43
Enterprise Value to EBITDA -
Shares Outstanding 22596000
Shares Floating 18230857
Shares Outstanding 22596000
Shares Floating 18230857
Percent Insiders 20.04
Percent Institutions 29.69

ai summary icon Upturn AI SWOT

AFC Gamma Inc

stock logo

Company Overview

overview logo History and Background

AFC Gamma Inc. was founded in 2020 as a commercial real estate finance company focused on providing financing to cannabis companies. It completed its IPO in 2021 and has since grown its portfolio through strategic investments and partnerships within the cannabis industry.

business area logo Core Business Areas

  • Senior Secured Loans: Origination, structuring, underwriting, and funding of senior secured loans and other types of financing to companies operating in the cannabis industry.
  • Real Estate Investments: Investments in real estate assets that are leased to cannabis operators.
  • Construction Loans: Providing loans for construction of cannabis facilities

leadership logo Leadership and Structure

Leonard M. Tannenbaum is the CEO of AFC Gamma. The company operates as a specialty finance company and mortgage REIT.

Top Products and Market Share

overview logo Key Offerings

  • Senior Secured Loans: AFC Gamma's primary product, offering loans to cannabis companies secured by real estate or other assets. Market share is difficult to pinpoint precisely due to the fragmented nature of cannabis lending, but AFC Gamma is a significant player. Competitors include Innovative Industrial Properties, NewLake Capital Partners, and other private lenders. Loan portfolios often range from $10 million to $100+ million.
  • Real Estate Bridge Loans: Short-term loans to bridge funding gaps for cannabis companies. Market share is relatively smaller compared to senior secured loans. Competitors include other cannabis-focused lenders and private equity firms. Typical loan amount is much smaller at around $5 million.

Market Dynamics

industry overview logo Industry Overview

The cannabis industry is rapidly growing but faces regulatory hurdles and limited access to traditional banking services, creating opportunities for specialized lenders like AFC Gamma.

Positioning

AFC Gamma is positioned as a leading provider of capital to established cannabis operators, focusing on senior secured loans and real estate-backed financing. Its competitive advantage lies in its expertise in cannabis finance and its ability to navigate the complex regulatory landscape.

Total Addressable Market (TAM)

Estimates vary widely, but the total addressable market for cannabis lending could reach tens of billions of dollars annually. AFC Gamma is positioned to capture a significant portion of this market through its established lending platform.

Upturn SWOT Analysis

Strengths

  • Expertise in cannabis finance
  • Strong relationships with established cannabis operators
  • Senior secured loan focus provides downside protection
  • Experienced management team

Weaknesses

  • Concentration risk in the cannabis industry
  • Dependence on regulatory developments
  • High interest rates may limit borrower pool
  • Smaller market capitalization compared to larger REITs

Opportunities

  • Expansion into new cannabis markets
  • Increased demand for capital from cannabis companies
  • Potential for regulatory reform to ease banking restrictions
  • Strategic partnerships with cannabis operators

Threats

  • Regulatory uncertainty
  • Increased competition from other lenders
  • Economic downturn impacting cannabis sales
  • Default risk from cannabis borrowers

Competitors and Market Share

competitor logo Key Competitors

  • IIPR
  • NLCP
  • CHGC

Competitive Landscape

AFC Gamma faces competition from other REITs, private lenders, and investment funds focused on the cannabis industry. Its competitive advantage lies in its expertise and relationships within the cannabis market.

Growth Trajectory and Initiatives

Historical Growth: AFC Gamma has experienced significant growth since its IPO, driven by increasing demand for capital from cannabis companies.

Future Projections: Analysts project continued growth for AFC Gamma, driven by the expansion of the cannabis industry and its ability to originate new loans.

Recent Initiatives: AFC Gamma has been focused on expanding its lending platform and diversifying its portfolio of cannabis investments. Recent strategic initiatives include new partnerships and investments in emerging cannabis markets.

Summary

AFC Gamma is a leading specialty finance company focused on the cannabis industry. It has experienced significant growth since its IPO and is well-positioned to benefit from the continued expansion of the cannabis market. Regulatory uncertainty and increased competition are potential risks, but its expertise and relationships provide a competitive advantage. Recent dividends and market share shows strength.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications
  • Publicly available information

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Investment decisions should be made in consultation with a qualified financial advisor.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About AFC Gamma Inc

Exchange NASDAQ
Headquaters West Palm Beach, FL, United States
IPO Launch date 2021-03-19
CEO & Partner Mr. Daniel Neville
Sector Real Estate
Industry REIT - Mortgage
Full time employees -
Full time employees -

Advanced Flower Capital Inc. originates, structures, underwrites, invests in, and manages senior secured loans and other types of mortgage loans and debt securities for established companies operating in the cannabis industry. It primarily originates loans structured as senior loans secured by real estate, equipment, cash flows, and licenses and/or other assets of the loan parties to the extent permitted by applicable laws and the regulations governing such loan parties. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as AFC Gamma, Inc. and changed its name to Advanced Flower Capital Inc. in October 2024. Advanced Flower Capital Inc. was incorporated in 2020 and is based in West Palm Beach, Florida.