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Upturn AI SWOT - About
AFC Gamma Inc (AFCG)
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Upturn Advisory Summary
08/07/2025: AFCG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $8.76
1 Year Target Price $8.76
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.33% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 101.68M USD | Price to earnings Ratio 5 | 1Y Target Price 8.76 |
Price to earnings Ratio 5 | 1Y Target Price 8.76 | ||
Volume (30-day avg) 6 | Beta 1.11 | 52 Weeks Range 4.18 - 9.44 | Updated Date 08/7/2025 |
52 Weeks Range 4.18 - 9.44 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 30.18% | Basic EPS (TTM) 0.9 |
Earnings Date
Report Date 2025-08-14 | When - | Estimate 0.2357 | Actual - |
Profitability
Profit Margin 50.95% | Operating Margin (TTM) 66.27% |
Management Effectiveness
Return on Assets (TTM) 4.89% | Return on Equity (TTM) 7.63% |
Valuation
Trailing PE 5 | Forward PE 5.69 | Enterprise Value 209372832 | Price to Sales(TTM) 2.48 |
Enterprise Value 209372832 | Price to Sales(TTM) 2.48 | ||
Enterprise Value to Revenue 6.51 | Enterprise Value to EBITDA - | Shares Outstanding 22596000 | Shares Floating 18232040 |
Shares Outstanding 22596000 | Shares Floating 18232040 | ||
Percent Insiders 20.04 | Percent Institutions 31.16 |
Upturn AI SWOT
AFC Gamma Inc
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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