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Mar 31, 2025
AFC Gamma Q1 2025 Earnings Report
reported a profitable quarter with improved distributable earnings amid continued credit risk management
Key Takeaways
AFC Gamma delivered $4.1 million in GAAP net income for Q1 2025, up from a loss last year. The company also posted $4.5 million in distributable earnings and generated $6.64 million in revenue, highlighting disciplined loan deployment and improved credit risk adjustments.
Forward Guidance
AFC Gamma remains focused on managing credit exposure and capitalizing on dislocated cannabis lending markets to deliver strong risk-adjusted returns.
Positive Outlook
- GAAP net income of $4.1 million in Q1 2025
- Distributable earnings of $4.5 million or $0.21 per share
- Revenue of $6.64 million
- Credit loss provisions reversed, supporting bottom line
- Dividend of $0.23 per share paid for Q1
Challenges Ahead
- Revenue breakdown by loan commitments and funding not disclosed
- No updated guidance on funded principal or yield metrics
- Cannabis market still influenced by regulatory uncertainty
- No clear data on total assets or balance sheet growth
- Dependence on non-GAAP measures like distributable earnings for profitability view
Historical Earnings Impact
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Avg. Return Before/After Earnings
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