NASDAQ$AFCG

AFC Gamma Inc · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

AFC Gamma Inc reported a net loss from continuing operations of $13.2 million for the second quarter of 2025.

Advanced Flower Capital Inc. reported interest income of $8.1 million and net interest income of $6.2 million for the three months ended June 30, 2025. The company recorded a $15.9 million provision for current expected credit losses, resulting in a net loss from continuing operations of $13.2 million and basic EPS of $(0.60). Cash and cash equivalents declined to $3.4 million while total assets stood at $290.6 million.

  • Interest income fell 55% year-over-year to $8.1 million amid loan portfolio changes and nonaccrual loans.
  • Significant $15.9 million provision for credit losses drove the quarterly net loss of $13.2 million.
  • Stock-based compensation expense was $0.5 million for the quarter.
  • Cash position decreased sharply to $3.4 million from $103.6 million at year-end 2024.

Headline financials

Total Revenue

$6.2M

Previous: $18.4M-66.3%
EPS (adj)

-$0.60

Previous: $0.80-175.0%
Stock-based compensation

$485K

No prior period
Provision for credit losses

-$15.9M

No prior period
Net Income

-$13.2M

Previous: $16.4M-180.0%
Operating Income

-$18.5M

Previous: -$12.6M-46.3%
Cash & Equivalents

$3.41M

No prior period
Total Assets

$291M

No prior period

Revenue & EPS history

AFC Gamma · Revenue · Quarterly

$6.2M

Q2 2025-66.3%vs Q2 2024
Beat estimate in 5 of 16 quarters(31%)
ActualEstimate

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports

Historical avg

+0.4%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+1.8%

Avg return

30 days after

55%

12 / 22 earnings

Positive

+11.8%

Q2 2024

Best reaction

-20.4%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2025
Q1 2026+10.8%+17.3%+26.0%
Q4 2025+8.6%+16.3%+27.1%
Q3 2025+0.9%-6.8%+8.6%
Q1 2025-4.7%-10.7%-21.2%
Q4 2024-20.4%-23.7%-43.9%
Q3 2024-2.1%+2.1%+1.5%
Q2 2024+11.8%+11.8%+19.1%
Q1 2024-0.6%+0.2%-2.0%
Q4 2023+4.1%+8.8%+5.2%
Q3 2023-0.4%-4.6%+11.7%
Q2 2023-3.1%-3.4%-3.5%
Q1 2023-4.1%-2.8%+13.6%
Q4 2022-7.7%-15.6%-25.4%
Q3 2022-9.7%-6.9%-1.6%
Q2 2022+1.5%+2.1%-3.5%
Q1 2022+9.7%+17.8%+16.2%
Q4 2021+0.0%+0.4%-5.9%
Q3 2020+2.1%+3.5%-5.1%
Q3 2021+2.1%+3.5%-5.1%
Q2 2021+0.5%-0.4%+5.3%
Q4 2020+4.8%+4.2%+11.2%
Q1 2021+4.8%+4.2%+11.2%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro