Filing Flows › AI Financial (AIFC) › Q3 2025
AI Financial (AIFC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Jan 12, 2026
AI Financial (AIFC) reported revenue of $7.6M for the third quarter 2025 (Q3 2025), +53% from a year earlier and +19% from the quarter before. Operating margin was -218.3%, net earnings $49.0M (646.4% of revenue).
AI Financial, Q3 2025: revenue $7.6M (+53% year over year), operating margin -218.3%, net earnings $49.0M, operating cash flow −$8.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $7.6M | +19% | +53% |
| Operating profit | −$16.5M | — | — |
| Net earnings | $49.0M | — | — |
| Operating cash flow | −$8.7M | — | — |
What changed
Revenue was $7.6M in Q3 2025, up 53% year over year and up 19% from the previous quarter.
Gross margin was 34.6%, down 13.2 points from a year earlier. Operating costs exceeded revenue by $16.5M, an operating margin of -218.3%. Operating expenses grew 520% against revenue growth of 53%. Net earnings were $49.0M. The effective tax rate was 19.8%. Non-operating items added $77.6M, 127% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was −$8.7M. Non-cash charges added back $895K of depreciation and amortization and $5.9M of share-based compensation. Working capital and other items used $64.5M.
Questions
What was AI Financial's revenue in the third quarter 2025?
AI Financial (AIFC) reported revenue of $7.6M for the third quarter 2025 (Q3 2025), +53% from a year earlier and +19% from the quarter before.
Was AI Financial profitable in the third quarter 2025?
Operating loss was $16.5M (-218.3% of revenue) and net earnings $49.0M.
Source: AI Financial 10-Q on SEC EDGAR.