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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. In the quarter to June 2026, revenue fell 62.2%, EPS fell 242.0%, free cash flow fell 16.1% and total debt rose 31.9%, each against the same quarter a year earlier.

0.35 0.04 −10.26%
Market cap
$55.2M
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
Overview Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 55.22
Revenue 20.74
Net Income (833.32)
Free Cash Flow (18.88)
Net Debt 17.66
Current Ratio 0.60 (below 1: weak)
Debt/Equity 0.04 (at or below 0.5: strong)
P/E ratio 0.00
Fwd P/E (2.85) (negative: loss-making)
P/S ratio 2.31
P/B ratio 0.07
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth 43.92% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 3.2×, against a ten-year median of 0.3×; over the ten years it ranged from −1.7× in 2017 to 8.6× in 2025.
P/S against its own 10 years 83.70%
10-year low 10-year high
P/B against its own 10 years 1.71%
10-year low 10-year high
EV/Sales against its own 10 years 84.91%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2022 0.06
0.06
2021 1.33
0.17
0.35
0.35
0.46
2020 0.34
0.10
0.08
0.05
0.11
2019 0.87
0.08
0.18
0.21
0.40
2018 0.60
0.04
0.13
0.24
0.19
2017 1.34
0.05
0.25
0.24
0.81
2016 0.48
0.07
0.11
0.16
0.14
special payouts not included in total or ratios

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%

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.

EPS $

Mar Jun Sep Dec Year
’26 (2.14) (1.68) — — —
’25 (0.15) (0.49) 0.29 (5.55) (5.91)
’24 (0.34) 0.07 (0.06) (0.34) (0.68)
’23 3.15 0.03 (0.05) (4.89) (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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 3.25 2.60 1.80 2.00 2.01 3.69 1.31 0.22 0.50 1.08

Analyst estimates 2026–2028

Powerpack
High 9.00 8.75 8.40 9.56 9.10 31.83 5.00 1.83 5.26 10.95
People
People Employees 445 165 159 208 179 170 207 5 10 16
Revenue/emp, $m 0.09 0.25 0.23 0.17 0.19 0.24 0.19 0.00 1.19 1.55
Income, $m
Income, $m Revenue 40 42 37 35 34 40 40 — 12 25
Gross margin, % 30.55 31.64 30.04 22.18 26.06 22.16 19.23 — 47.52 41.01
EBT 0 4 (6) (15) (9) (3) 1 (18) (8) (428)
EBT margin, % (0.10) 9.79 (17.22) (43.20) (26.35) (7.60) 3.53 0.00 (71.18) (1,723.95)
Net income (1) 0 (6) (12) (8) (17) 8 (17) (8) (341)
Depreciation 1 2 5 4 4 4 0 1 1 4
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
Earnings (1.20) 0.10 (3.75) (6.78) (4.59) (6.35) 3.49 (1.95) (0.51) (4.79)
Cash flow 2.20 0.91 2.77 (1.99) (0.33) (1.99) (0.97) 0.37 0.16 (0.12)
Capex (0.31) 4.89 (0.23) (0.28) (0.45) (0.65) (0.48) 0.00 0.00 0.00
Free cash flow 1.89 5.81 2.54 (2.27) (0.78) (2.64) (1.45) 0.37 0.16 (0.12)
Book value 9.26 19.56 14.46 5.86 1.28 (3.26) 5.34 (0.83) 1.44 19.82
Shares, m 1 1 1 2 2 3 3 4 11 58
Valuation, ×
Valuation, × P/E 0.00 67.96 0.00 0.00 0.00 0.00 0.37 — 0.00 0.00
P/S 0.17 0.18 0.09 0.15 0.27 0.27 0.12 — 2.26 2.58
P/B 0.60 0.28 0.15 0.50 3.83 0.00 2.02 — 8.68 0.06
EV/Sales 0.26 0.31 0.16 0.27 0.45 0.42 0.43 — 2.49 2.71
EV/FCF 4.67 1.62 1.56 (2.35) (10.55) (2.40) (3.02) — (70.83) (7.55)
Cash, $m
Cash, $m Operating cash flow 3 1 4 (4) (1) (5) (3) 1 2 (7)
Capex 0 7 0 0 (1) (2) (2) — — 0
Free cash flow 2 8 4 (4) (1) (7) (5) 1 2 (7)
Balance, $m
Balance, $m Working capital 1 5 (1) (9) (14) (12) (15) (6) (7) (22)
Total debt 5 6 1 5 7 7 12 1 12 9
Net debt 4 2 (1) 4 6 6 12 1 5 3
Shareholders’ equity 11 26 22 10 2 (9) 17 (3) 16 1,155
Returns, %
Returns, % ROA (3.27) 0.27 (13.69) (37.34) (31.84) (85.47) 35.50 (23.95) (16.06) (53.20)
ROIC 4.61 (0.51) (18.07) (53.43) (65.27) 0.00 (6.74) 0.00 (20.29) (1.23)
ROE (12.48) 0.63 (23.44) (74.89) (133.75) 535.25 (345.17) 1,560.84 (562.05) (59.81)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FATN FatPipe, Inc. $70.5M 12.6× 15.5× +27.84% (above 0%: growing) +80.00% (above 0%: growing) −24.05% (below 0%: shrinking) 92.25% 17.92% Compare
VERI Veritone, Inc. $67.5M — (loss-making) — (loss-making) +4.61% (above 0%: growing) n/m −31.94% (below 0%: shrinking) 63.70% (91.23%) Compare
AILEQ iLearningEngines, Inc. $59.3M — (loss-making) — — n/m −56.61% (below 0%: shrinking) 69.13% (62.87%) Compare
AIFC AI Financial Corporation $55.2M — (loss-making) — (loss-making) −62.15% (below 0%: shrinking) n/m −16.14% (below 0%: shrinking) 97.56% (29.33%)
LYLTQ Loyalty Ventures Inc. $54.1M — (loss-making) — (loss-making) −4.07% (below 0%: shrinking) n/m −235.32% (below 0%: shrinking) 17.53% 9.67% Compare
REKR Rekor Systems, Inc. $48.6M — (loss-making) — (loss-making) +2.45% (above 0%: growing) n/m +69.97% (above 0%: growing) 56.16% 1.75% Compare
AVX AVAX One Technology Ltd. $48.1M 0.0× — +523.23% (above 0%: growing) n/m −107.94% (below 0%: shrinking) 71.88% (1,185.02%) Compare
VHC VirnetX Holding Corp $46.1M — (loss-making) 5.1× +2,700.00% (above 0%: growing) n/m −13.27% (below 0%: shrinking) 100.00% 0.00% Compare
BNAI Brand Engagement Network Inc. $43.9M — (loss-making) — (loss-making) +3,102.00% (above 0%: growing) n/m +27.68% (above 0%: growing) 100.00% (2,205.43%) Compare
Median of peers $51.4M — — +27.84% — −28.00% 70.51% (31.43%)

All 173 Software Infrastructure stocks →

AI Financial Corporation (AIFC) key facts

  • Strength: AI Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $24.8 million, up 109.0% from fiscal 2024.
  • AI Financial Corporation (AIFC) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
  • As of October 16, 2026, AIFC traded at $0.35, a market capitalization of $55.2 million.
  • Return on equity was −59.8% and debt-to-equity 0.04.
  • Its Altman Z-score is 0.07 (distress zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

AI Financial Corporation (AIFC) Latest News

10 Jun

Impact 5 ·
stockrow.com/AIFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com