AI Financial Corp

AIFC
Country: United StatesPrice: $0.16Market Cap: $22.7M

Investment snapshot

12%positive consensus
Scored 1d ago

Positive

2

BUY / PASS

Neutral / negative

2 / 12

NEUTRAL / FAIL

Median fair value

$11.43

+7043.8% vs price

Models with upside

1 / 17

Positive margin of safety

Strongest signal

7 of 12 pass — Graham, Buffett, Dreman +2 more object

Key risk

No clean pass — all 10 investors flag at least one cash flow criterion

Framework analysis

VerdictMeaning
BUYPositive purchase signal: the framework's buy requirements are met.
PASSThe company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRALNeither a positive nor negative conclusion. It does not mean to hold an existing position.
FAILThe company does not clear the framework's requirements.
RankedRanked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

MetricGraham

Defensive Value

Buffett

Quality Compounder

Lynch

GARP

Greenblatt

Magic Formula

Piotroski

F-Score

Dreman

Contrarian Value

Munger

Quality Focus

Pabrai

Dhandho Framework

Akre

Three-Legged Stool

Marks

Risk-Aware Value

Ackman

Activist Value

Templeton

Global Bargain Hunter

Sleep

Scale Economies Shared

Asness

Systematic Factors

Neff

Low-P/E Total Return

Schloss

Asset-Value Discipline

O'Shaughnessy

Systematic Factor Composite

VerdictFAILFAILFAILFAIL · Rank #2588 (Top 83.6%)FAILFAILFAILFAILPASSFAILFAILPASSFAILFAILFAILNEUTRALNEUTRAL
Score
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Intrinsic Value (annual)N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Margin of SafetyN/AN/AN/AN/AN/AN/AN/AN/A+98.6%N/AN/AN/AN/AN/AN/AN/AN/A
Financial Basis

TTM ended 2026-09-26 · Balance sheet at 2026-09-26 · Annual history · FY 2025

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-13

Score computed: 2026-11-14

Annual history · FY 2025 · Balance sheet at 2026-09-26 · TTM ended 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

TTM ended 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-13

Score computed: 2026-11-14

Annual history · FY 2025 · TTM ended 2026-09-26 · Balance sheet at 2026-09-26 · Market data at 2026-11-01

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025 · TTM ended 2026-09-26 · Balance sheet at 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025

Latest source filing: 2026-04-13

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment · Balance sheet at 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-04-13

Score computed: 2026-11-14

Annual history · FY 2025 · TTM ended 2026-09-26 · Balance sheet at 2026-09-26 · Market data at 2026-11-01

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 · Balance sheet at 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-04-13

Score computed: 2026-11-14

TTM ended 2026-09-26 · Balance sheet at 2026-09-26 · Price history 2025-01-01–2026-11-01 · Annual history · FY 2025

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-13

Score computed: 2026-11-14

Annual history · FY 2025 · Balance sheet at 2026-09-26

Latest source filing: 2026-11-12

Score computed: 2026-11-14

TTM ended 2026-09-26 · Annual history · FY 2025 · Price history 2025-01-01–2026-11-01

Latest source filing: 2026-11-12

Score computed: 2026-11-14

Where It Passes

  • Debt & Leverage58% pass✓ 10✗ 5▾

    7 of 12 pass — Graham, Buffett, Dreman +2 more object

    LT Debt vs Net Current AssetsLT Debt $0.1M vs NCA $-13.6M
    ✗GrahamLT Debt <= Net Current Assets
    Debt/Equity & Interest CoverageD/E: 0.01, IC: -16.4x
    ✗BuffettD/E < 0.5 AND Interest Coverage > 5x
    Total Debt / Equity0.05
    ✓Lynch< 0.33
    Cash - Long-term Debt$2.5M
    ✓LynchPositive preferred
    LT Debt / Total Assets Change0.74% -> 0.05%
    ✓PiotroskiDecreased YoY
    Current Assets / Current Liabilities0.35
    ✗Dreman> 1.5✗SchlossCurrent ratio >= 1.50x (app cutoff)
    Total Debt / Shareholders' Equity0.05
    ✓Dreman< 0.8✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00x
    Debt Levels0.05
    ✓MungerDebt/Equity < 0.5✓AkreDebt/Equity < 0.3
    Interest Coverage & Debt/EBITDAIC=-16.4x, D/EBITDA=N/A
    ✗MarksInterest Coverage > 3x; Debt/EBITDA < 4x
    Total Debt / Shareholders Equity0.05
    ✓Ackman<= 1.0
    Negative debt-to-equity (higher means less debt)-0.0469; #989/4210 (top 23.5%)
    ✓AsnessTop 30% of eligible cross-section

Where It Falls Short

  • Cash Flow0% pass✓ 1✗ 11▾

    No clean pass — all 10 investors flag at least one cash flow criterion

    Free Cash Flow Proxy$-341.2M
    ✗BuffettPositive and growing
    FCF Positive and Growing$-7.2M
    ✗LynchPositive and growing
    Operating Cash Flow$-7.2M
    ✗PiotroskiCFO > 0
    (CFO / Total Assets) vs ROACFO/Assets=-0.59%, ROA=-28.25%
    ✓PiotroskiCFO/Assets > ROA
    Price / (CFO / Shares)N/A (negative CFPS)
    ✗Dreman< 8x
    P/E or FCF YieldFCF Yield=-31.6%
    ✗PabraiP/E < 15 or FCF Yield > 10%
    FCF Positive5/14 years FCF positive
    ✗MarksPositive FCF in majority of recent years
    (OCF - CapEx) / Market Cap-76.8%
    ✗Ackman>= 4%
    Price / FCF per ShareN/A (negative FCF)
    ✗Ackman<= 25
    Positive Operating Cash Flow frequency11/17 years positive
    ✗SleepPositive OCF in >= 70% of available years
    Operating Cash Flow - Capital Expenditures$-7.2M
    ✗Neff> $0 (app proxy for a strong fundamental case)
    (Operating cash flow - capex) / market capitalization-31.64%; #3676/4519 (top 81.3%)
    ✗OshaughnessyTop 10% of eligible cross-section
  • Efficiency0% pass✗ 11▾

    All 8 investors flag AIFC's efficiency

    Current Ratio0.35
    ✗Graham>= 2.0
    ROIC (3-5 yr avg)-105.5%
    ✗Buffett> 10%
    ROIC - WACC-115.5%
    ✗BuffettPositive (WACC = 10%)
    EBIT / (NWC + Net Fixed Assets)-80.4%
    ✗Greenblatt> 25%
    Current Ratio Change YoY0.84 -> 0.57
    ✗PiotroskiIncreased YoY
    Revenue / Total Assets Change YoY0.17x -> 0.02x
    ✗PiotroskiImproved YoY
    Current Assets / Current Liabilities0.35
    ✗Dreman> 1.5
    Return on Invested Capital-1.3%
    ✗Munger> 15%
    ROIC (high and growing)FY2023: ROIC=unavailable; FY2024: ROIC=-22.0%; FY2025: ROIC=-1.6%
    ✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
    Reinvestment Rate x ROICN/A (non-positive net income)
    ✗AkreReinvestment Rate * ROIC > 10%
    ROIC (5-year)0/3 years above 12% (latest -1.6%)
    ✗SleepROIC > 12% in a majority of years
  • Valuation8% pass✓ 9✗ 19▾

    12 of 13 flag AIFC's valuation — Graham, Lynch, Greenblatt +9 more

    Price / 3-yr avg EPS
    ✗Graham<= 15x
    Price-to-Book Ratio0.0x
    ✓Graham<= 1.5x
    P/E x P/B
    ✗Graham<= 22.5
    Basic earnings-growth PEG (dividends excluded)
    ✗Lynch< 1.0 (ideally < 0.5)
    EBIT / Enterprise Value-22.7%
    ✗Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=-22.7%, ROC=-80.4%
    ✗GreenblattBoth EY > 10% and ROC > 25%
    Price / EPS
    ✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
    Price / (CFO / Shares)N/A (negative CFPS)
    ✗Dreman< 8x
    Price / Book Value per Share0.0x
    ✓Dreman< 1.2x✓Templeton< 1.5x✓SchlossP/B <= 0.80x (app cutoff)
    Valuation ReasonablenessOE Yield=-3657.3%
    ✗MungerP/E < 25 or Owner Earnings Yield > 5%
    P/E or FCF YieldFCF Yield=-31.6%
    ✗PabraiP/E < 15 or FCF Yield > 10%
    P/B or P/E vs. Historical AverageP/B=0.0x
    ✓MarksP/E < 15 or P/B < 2.0
    Discount to Intrinsic ValueN/A (negative normalized EPS)
    ✗Marks>= 20% below intrinsic value
    Price / FCF per ShareN/A (negative FCF)
    ✗Ackman<= 25
    Price vs. Trailing Low100% of trailing low ($0.16)
    ✓Templeton<= 120% of trailing low (certified split-adjusted live window)
    Net income / market capitalization-3976.06%; #6200/6340 (top 97.8%)
    ✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
    Positive book equity / market capitalization+28.7059; #110/6449 (top 1.7%)
    ✓AsnessTop 30% of eligible cross-section
    Price / Diluted EPS
    ✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
    (EPS CAGR % + Dividend Yield %) / P/E
    ✗Neff> 0.7 (Neff's published traditional edge)
    Price / Tangible Book Value per Share0.01x
    ✓SchlossP/TBV <= 1.00x (app cutoff)
    Book Value per Share Change+1428.0%
    ✓SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
    Revenue / market capitalization+0.5627; #2468/5247 (top 47.0%)
    ✗OshaughnessyTop 10% of eligible cross-section
    (Operating cash flow - capex) / market capitalization-31.64%; #3676/4519 (top 81.3%)
    ✗OshaughnessyTop 10% of eligible cross-section
    Trailing six-month price return through the evaluation date-81.18%; #5848/6202 (top 94.3%)
    ✗OshaughnessyTop 10% of eligible cross-section
  • Profitability13% pass✓ 4✗ 31▾

    14 of 16 flag AIFC's profitability — Graham, Buffett, Lynch +11 more

    Positive EPS (10 years)6/27 years positive
    ✗GrahamPositive EPS every year for 10 years
    EPS Growth (3-yr avg, 10-yr window)
    ✗Graham>= 33% growth
    Net Income Positive (10+ years)15/27 years positive
    ✗BuffettPositive every year for 10+ years
    ROE (up to 5-year arithmetic mean)-17.8%
    ✗Buffett> 15% arithmetic mean (app rule)
    Operating Margin (10-yr trend)-92.0% (latest)
    ✗BuffettStable or rising over 10 years
    Free Cash Flow Proxy$-341.2M
    ✗BuffettPositive and growing
    Earnings Variance (10-yr CoV)
    ✗BuffettCoV < 0.3
    Retained Earnings Effectiveness
    ✗Buffett$1 retained -> > $1 market value created
    Basic earnings-growth PEG (dividends excluded)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    ROE-138.5%
    ✗Lynch> 15%
    EBIT / Enterprise Value-22.7%
    ✗Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=-22.7%, ROC=-80.4%
    ✗GreenblattBoth EY > 10% and ROC > 25%
    Net Income / Total Assets-28.25%
    ✗PiotroskiROA > 0
    ROA Change YoY-9.99% -> -28.25% (delta: -18.26%)
    ✗PiotroskiCurrent ROA > Prior ROA
    (CFO / Total Assets) vs ROACFO/Assets=-0.59%, ROA=-28.25%
    ✓PiotroskiCFO/Assets > ROA
    Gross Margin Change YoY45.1% -> 41.0%
    ✗PiotroskiImproved YoY
    Pre-Tax Income / Revenue-8894.2%
    ✗Dreman>= 8%
    Net Income / Shareholders' Equity-138.5%
    ✗Dreman> 12%
    Margin of SafetyP/B=0.0x
    ✓PabraiP/B < 1.5 or P/E < 15
    Return on Equity128.6% (3-yr avg)
    ✓AkreROE > 20% (3-year avg)
    Discount to Intrinsic ValueN/A (negative normalized EPS)
    ✗Marks>= 20% below intrinsic value
    Positive Net Income Frequency15/26 years positive
    ✓MarksPositive net income in >= 7 of last 10 years
    Operating Income / Revenue-90.0%
    ✗Ackman>= 15%
    Net Income / Shareholders Equity-138.5%
    ✗Ackman>= 15%
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Operating Margin Trend
    ✗TempletonNon-negative operating-margin trend over 3 years
    Revenue growth vs. gross and operating margin trend
    ✗SleepRevenue rising; gross margin flat or falling; operating margin holding
    Net income / market capitalization-3976.06%; #6200/6340 (top 97.8%)
    ✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
    Gross profit / total assets+1.18%; #3327/3702 (top 89.9%)
    ✗AsnessTop 30% of eligible cross-section
    Net income / positive book equity-138.51%; #4744/5226 (top 90.8%)
    ✗AsnessTop 30% of eligible cross-section
    Negative 5-year standard deviation of ROA-0.4465; #4864/5884 (top 82.7%)
    ✗AsnessTop 30% of eligible cross-section
    3-5 Year Diluted EPS CAGR180.8% over 5 years
    ✗Neff7%-20% annualized
    Positive Diluted-EPS Years2/10 years positive
    ✗Schloss>= 70% positive over 5-10 observed years (app rule)
  • Growth13% pass✓ 3✗ 10▾

    7 of 8 flag AIFC's growth — Graham, Lynch, Dreman +4 more

    EPS Growth (3-yr avg, 10-yr window)
    ✗Graham>= 33% growth
    Basic earnings-growth PEG (dividends excluded)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    Inventory Growth vs Revenue GrowthN/A (no inventory)
    ✓LynchInventory growth < Revenue growth
    EPS Growth Direction
    ✗DremanPositive over recent years
    EPS CAGR
    ✗Dreman> 5% annualized
    Positive Net Income Frequency15/26 years positive
    ✓MarksPositive net income in >= 7 of last 10 years
    3yr Median Revenue Growth98.2%
    ✓Ackman>= 5%
    Positive EPS Growth Frequency2/5 years with positive EPS growth
    ✗AckmanPositive EPS growth in >= 3 of last 5 years
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Revenue growth vs. gross and operating margin trend
    ✗SleepRevenue rising; gross margin flat or falling; operating margin holding
    5-year Revenue CAGR-6.0%
    ✗SleepCAGR > 7%
    3-5 Year Diluted EPS CAGR180.8% over 5 years
    ✗Neff7%-20% annualized
  • Verdicts13% pass✓ 2✗ 13▾

    Split decision: 12 FAIL · 2 PASS · 2 NEUTRAL

    Overall verdict
    ✗GrahamFAIL (1/9)✗BuffettFAIL (0/9)✗LynchFAIL (3/7)✗GreenblattRank #2588✗PiotroskiFAIL (F-Score 2)✗DremanFAIL (2/11)✗MungerFAIL (1/4)✗PabraiFAIL (1/3)✓AkrePASS (3/6)✗MarksFAIL (2/5)✗AckmanFAIL (2/9)✓TempletonPASS (4/8)✗SleepFAIL (1/6)✗AsnessFAIL (Rank #2202/2370 (Top 92.9%))✗NeffFAIL (0/6)•SchlossNEUTRAL (4/7)•OshaughnessyNEUTRAL (Not ranked)

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Industry: Trading
SIC Sector: Security & Commodity Brokers
Size: Micro Cap($22.7M)
Revenue: $24.8M+98.2% YoY
Net Income: $344.5M-4452.2% YoY

Financial Snapshot

Operating Margin-92.0%
Return on Equity-29.9%
Debt / Equity0.01
Current Ratio0.57
EPS (Diluted)$-5.91

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Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.

MetricTTM · 2026-09-26

2025-09-28 – 2026-09-26

Sources · derived quarter values

Derived from cumulative filings: revenue, net income, operating income, gross profit, ebit, pre tax income, operating cash flow, depreciation amortization.

Q3 FY 2026

2026-06-28 – 2026-09-26

Sources · derived quarter values

Derived from cumulative filings: operating cash flow, depreciation amortization.

Q2 FY 2026

2026-03-29 – 2026-06-27

Sources · derived quarter values

Derived from cumulative filings: operating cash flow, depreciation amortization.

Q1 FY 2026

2025-12-28 – 2026-03-28

Sources
FY 2025
Sources
  • 10-K · 2026-04-13
FY 2024
Sources
  • 10-K · 2025-03-28
FY 2023
Sources
  • 10-K · 2025-03-28
FY 2022
Sources
  • 10-K · 2023-04-17
FY 2021
Sources
  • 10-K · 2022-04-01
Market Cap$22.7Mcurrent------$122.4Mest.$101.8Mest.$2.6Mest.$5.0Mest.$8.6Mest.
Revenue$12.7M↓49%$248.0K↓97%$2.4M↓62%$4.7M↓15%$24.8M↑98%$12.5M$0$0↓100%$40.0M
Operating Income-$11.5M↑49%-$5.4M↑67%-$708.0K↑66%-$2.7M↓26%-$22.9M↓230%-$6.9M↑65%-$19.8M↓530%-$3.1M↑81%-$16.8M
Net Income-$900.7M↓2820%-$18.2M↓137%-$229.6M↓2418%-$271.5M↓9389%-$344.5M↓4452%-$7.6M↑3%-$7.8M↓171%$11.0M↑165%-$16.9M
EPS (Diluted)--$-0.13↓145%$-1.68↓243%$-2.14↓1089%$-5.91↓955%$-0.56↑71%$-1.95↓156%$3.49↑155%$-6.35
Gross Margin64.5%↑48%35.5%↑2%97.6%↑124%75.8%↑61%41.0%↓9%45.1%——22.2%
Operating Margin-90.0%-2191.9%↓904%-29.3%↑11%-58.2%↓48%-92.0%↓67%-55.2%——-41.9%
ROE-138.5%↓6595%———-29.9%↑51%-60.8%↓126%236.2%↓50%476.5%↑145%194.6%
Total Debt$30.5M↑231%$30.5M↑231%$28.4M↑59%$28.3M↑184%$9.3M↓25%$12.4M$0↓100%$1.6M$1.6M
Shareholders' Equity$650.3M↓58%$650.3M↓58%$668.4M↑2466%$889.7M↑3976%$1.2B↑9153%$12.4M↑476%-$3.3M↓243%$2.3M↑127%-$8.7M
Current Ratio0.35↓56%0.35↓56%0.60↓32%0.82↓1%0.57↓32%0.84↑1334%0.06↓85%0.38↓2%0.39
Debt / Equity0.05↑690%0.05↑690%0.04↓94%0.03↓93%0.01↓99%1.000.00↓100%0.70↑478%-0.19
Operating Cash Flow-$12.7M↑27%-$2.6M↑71%-$6.2M↓19%-$12.3M↓697%-$7.2M↓503%$1.8M↑21%$1.5M↑148%-$3.1M↑42%-$5.3M
Free Cash Flow---------$7.2M-----$3.9M↑44%-$7.0M

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Trading

AIFC vs Peers — Financial Grading

Revenue$24.8MBottom 25%
Net Income$344.5MBottom 25%
ROE-29.9%Bottom 25%
D/E0.01Top 25%
Op. Margin-92.0%Bottom 25%
Curr. Ratio0.57Bottom 25%
CompanyMarket CapPriceRevenueNet IncomeROED/EOp. MarginCurr. RatioGrahamBuffettLynchGreenblattPiotroskiDreman
REALTY INCOME CORPO$56.1B$58.82$5.7B$1.1B2.7%0.6316.8%—2/71/93/70/3F-Score 64/10
Ventas, Inc.VTR$47.0B$88.92$5.8B$261.5M2.1%1.043.5%—2/71/92/70/3F-Score 62/10
RAYMOND JAMES FINANCIAL INCRJF$32.4B$168.64$15.9B$2.1B17.1%0.28——3/93/93/71/3F-Score 64/11
ROYAL GOLD INCRGLD$21.7B$256.89$1.0B$466.3M6.5%0.1361.9%3.124/92/94/70/3F-Score 44/11
iShares Ethereum Trust ETFETHA$19.4B$44.02—$2.3B——————————
KIMCO REALTY CORPKIM$17.0B$25.55$2.1B$584.7M5.6%0.7436.0%—3/72/94/70/3F-Score 75/10
LandBridge Co LLCLB$5.6B$73.15$199.1M$30.1M8.9%1.6559.5%4.872/93/92/70/3F-Score 63/11
Digital Turbine, Inc.APPS$927.6M$7.61$565.3M$37.7M-19.6%1.886.0%1.161/92/92/71/3F-Score 70/11