AI Financial Corporation

AIFC Technology Software Infrastructure

AI Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $24.8 million, up 109.0% from fiscal 2024.

Revenue
−62.2%
EPS
−242.0%
Free cash flow
−16.1%
Total debt
+31.9%

Quarter to June 2026, against a year earlier

0.17 0.01 +6.25%
Market cap
$22.5M
P/E
0.0×
Fwd P/E
−2.9×
Dividend yield
—
F-score
n/a
Altman Z
0.07
Beneish M
−2.71
Dividend safety
n/a

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 22.45
Revenue ttm 20.74
Net income ttm (833.32)
Free cash flow ttm (18.88)
Net debt Q 17.66
Valuation
P/E 0.00
Forward P/E (2.85) (negative: loss-making)
Price / sales 1.12
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.04
Financial health
Current ratio Q 0.60 (below 1: weak)
Debt / equity Q 0.04 (at or below 0.5: strong)
Interest coverage Q (1.24)
Growth
Revenue growth Q −62.15% (below 0%: shrinking)
Operating income growth Q +66.21% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +43.92% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 81.16%
10-year low 10-year high
P/B against its own 10 years 0.08%
10-year low 10-year high
EV/Sales against its own 10 years 82.44%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–22
−28.6%/yr
  1. 0.48 ’16
  2. 1.34 ’17 +177
  3. 0.60 ’18 −55
  4. 0.87 ’19 +45
  5. 0.34 ’20 −61
  6. 1.33 ’21 +297
  7. 0.06 ’22 −95
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 0 7 6 6
Receivables 0 24 20 6
Inventory — — — —
Other — — 0 0
0 34 29 15
2023 2024 2025 Q'26
Payables 2 3 5 4
ST’ Debt — 1 1 0
Other — — — —
6 41 51 25

Compound Annual Growth %

10y 5y 3y
Sales (15.31%) (6.68%) (14.70%)
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 57.83% 244.94% 309.56%

EPS $

Mar Jun Sep Dec Year
’26 (2.14) (1.68) — — —
’25 (0.15) (0.49) 0.29 (12.54) (5.91)
’24 (0.34) 0.07 (0.06) (0.34) (0.68)
’23 3.15 0.03 (0.05) (3.59) (1.95)
’22 0.37 3.06 (0.66) 1.21 3.49
’21 0.24 (2.07) (0.34) (4.26) (6.35)
’20 (1.33) (1.22) (0.43) (1.61) (4.59)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 5 2 — — —
’25 5 6 8 6 25
’24 — 2 5 5 12
’22 9 11 9 11 40
’21 9 9 12 11 40
’20 8 4 12 9 34
’19 6 8 10 11 35
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (12) (6) — — —
’25 (1) (5) (9) 8 (7)
’24 (1) 0 4 (2) 2
’23 2 0 0 0 1
’22 2 (1) (4) (1) (3)
’21 0 (2) (1) (2) (5)
’20 1 (2) 1 0 (1)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (12) (6) — — —
’25 (1) (5) (9) 8 (7)
’24 (1) 0 4 (2) 2
’23 2 0 0 0 1
’22 2 (1) (4) (2) (5)
’21 (1) (3) (1) (2) (7)
’20 1 (2) 0 0 (1)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 40 42 37 35 34 40 40 — 12 25 21 (5.3%) 36 51 64 +37.4%
Gross margin, % 30.55 31.64 30.04 22.18 26.06 22.16 19.23 — 47.52 41.01 55.05 +10.5 pt
EBT 0 4 (6) (15) (9) (3) 1 (18) (8) (428) (1,062) +180.4%
EBT margin, % (0.10) 9.79 (17.22) (43.20) (26.35) (7.60) 3.53 0.00 (71.18) (1,723.95) (5,123.16) (1,723.8) pt
Net income (1) 0 (6) (12) (8) (17) 8 (17) (8) (341) (833) +83.5%
Per share, $
Per share, $ Revenue 33.42 30.97 24.61 19.90 18.29 15.05 12.57 0.00 1.06 0.43 0.15 (38.4%)
Earnings (1.20) 0.10 (3.75) (6.78) (4.59) (6.35) 3.49 (1.95) (0.68) (5.91) (9.08) +19.4%
Cash flow 2.20 0.91 2.77 (1.99) (0.33) (1.99) (0.97) 0.37 0.16 (0.12) (0.14) n/m
Capex (0.31) 4.89 (0.23) (0.28) (0.45) (0.65) (0.48) 0.00 0.00 0.00 0.00 (55.8%)
Free cash flow 1.89 5.81 2.54 (2.27) (0.78) (2.64) (1.45) 0.37 0.16 (0.12) (0.14) n/m
Book value 9.26 19.56 14.46 5.86 1.28 (3.26) 5.34 (0.83) 1.44 19.82 4.92 +8.8%
Shares, m 1 1 1 2 2 3 3 4 11 58 99 +53.8%
Valuation, ×
Valuation, × P/E 0.00 67.96 0.00 0.00 0.00 0.00 0.37 — 0.00 0.00 0.00 7.6
P/S 0.17 0.18 0.09 0.15 0.27 0.27 0.12 — 2.26 2.58 1.12 0.7
P/B 0.60 0.28 0.15 0.50 3.83 0.00 2.02 — 8.68 0.06 0.04 1.8
EV/Sales 0.26 0.31 0.16 0.27 0.45 0.42 0.43 — 2.49 2.71 1.97 0.8
EV/FCF 4.67 1.62 1.57 (2.35) (10.55) (2.40) (3.02) — (70.83) (7.55) (1.98) (9.9)
Cash, $m
Cash, $m Operating cash flow 3 1 4 (4) (1) (5) (3) 1 2 (7) (19) n/m
Capex 0 7 0 0 (1) (2) (2) — — 0 (1) (32.4%)
Free cash flow 2 8 4 (4) (1) (7) (5) 1 2 (7) (19) n/m
Balance, $m
Balance, $m Working capital 1 5 (1) (9) (14) (12) (15) (6) (7) (22) (10) n/m
Net debt 4 2 (1) 4 6 6 12 1 5 3 18 (2.7%)
Shareholders’ equity 11 26 22 10 2 (9) 17 (3) 16 1,155 672 +67.4%
Returns, %
Returns, % ROA (3.27) 0.27 (13.69) (37.34) (31.84) (85.47) 35.50 (23.95) (16.06) (53.20) (203.72) (49.9) pt
ROIC 4.61 (0.51) (18.07) (53.43) (65.27) 0.00 (6.74) 0.00 (20.29) (1.23) (2.02) (5.8) pt
ROE (12.48) 0.63 (23.44) (74.89) (133.75) 535.25 (345.17) 1,560.84 (562.05) (59.81) (247.36) (47.3) pt
People
People Employees 445 165 159 208 179 170 207 5 10 16 — (30.9%)
Revenue/emp, $m 0.09 0.25 0.23 0.17 0.19 0.24 0.19 0.00 1.19 1.55 — +37.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

AI Financial Corporation vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BBCI Bradbury Capital Inc. $32.2M 11.1× — — 0.00% −1,451.46% (below 0%: shrinking) — — Compare
BNAI Brand Engagement Network Inc. $32.1M — (loss-making) — (loss-making) +3,102.00% (above 0%: growing) n/m +27.68% (above 0%: growing) 100.00% (2,205.43%) Compare
SLMT Solmate Infrastructure Public Limited Company $31.7M — (loss-making) — −53.00% (below 0%: shrinking) n/m −327.77% (below 0%: shrinking) (704.45%) 0.00% Compare
MLGO MicroAlgo Inc. $28.6M — (loss-making) — — n/m +2,804.16% (above 0%: growing) 32.98% 0.00% Compare
AIFA All In FutureTech Alliance Inc. $25.6M — (loss-making) — (loss-making) −34.99% (below 0%: shrinking) n/m −157.96% (below 0%: shrinking) 36.72% (182.01%) Compare
ORIO Orion Digital Corp. $23.8M — (loss-making) — (loss-making) −0.56% (below 0%: shrinking) n/m +432.75% (above 0%: growing) 74.86% 7.54% Compare
AIFC AI Financial Corporation $22.5M — (loss-making) — (loss-making) −62.15% (below 0%: shrinking) n/m −16.14% (below 0%: shrinking) 97.56% (29.33%)
DRK Sphere 3D Corp. $16.6M — (loss-making) — (loss-making) +15.55% (above 0%: growing) n/m +46.49% (above 0%: growing) 0.00% (191.03%) Compare
BIRD Smartbird, Inc. $15.4M — (loss-making) — (loss-making) −93.05% (below 0%: shrinking) n/m −46.59% (below 0%: shrinking) 0.00% (387.78%) Compare
Median of peers $27.1M — — −17.77% — −9.45% 32.98% (182.01%)

All 183 Software Infrastructure stocks →

Pay and ownership Proxy statement filed 3 February 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 1.07m 140.00k 794.46
2023 817.71k 617.71k 40.88
2022 625.32k 625.32k 33.50
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

AI Financial Corporation (AIFC) Latest News

10 Jun

Impact 5 · · thedailybeast.com

14 Jan

Impact 3 · · MT Newswires

29 Dec

Impact 3 · · Financial TimesCoinspeakerGuruFocus.comMT NewswiresDLNewsBeInCryptoGuruFocus.comAssociated Press Finance

2 Dec

14 Nov

Impact 4 · · BloombergBloombergReutersBeInCryptoCoinDeskTheStreetCoinDesk

2 Nov

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

24 Oct

Impact 3 ·
stockrow.com/AIFC · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com