Ameritrust Financial Technologies (AMT) AI Stock Analysis

• Market Cap: C$50.34M
• Dividend Yield: N/A
• Average Volume (3M): 239.95K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.25
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: CA
• Employees: N/A
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): >-0.01
• Shares Outstanding: 1,006,774,500
• 10 Day Avg. Volume: 314,217
• 30 Day Avg. Volume: 239,952
• PEG Ratio: -0.10
• Price to Book (P/B): 12.47
• Price to Sales (P/S): 32.43
• P/FCF Ratio: -14.78
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: C$0.06 ▼(-3.33% Downside)

The score is primarily weighed down by weak financial performance—revenue contraction, ongoing losses, and substantial negative operating/free cash flow. Technical indicators are neutral-to-mixed and provide only limited support, while valuation is constrained by negative earnings and the absence of a dividend.

Positive Factors

Stable gross margins (~50%)

Historically stable gross margins near ~50% indicate the core product/service retains pricing power and unit economics. Over 2-6 months this supports potential operating leverage if revenue stabilizes, enabling the firm to invest in R&D or sales without immediately eroding unit profitability.

Manageable recent leverage

Debt below equity and modest trailing leverage provide financial flexibility versus highly leveraged peers. This reduces short-term solvency stress, preserves borrowing capacity, and lowers refinancing risk, giving management time to address operating deficits without immediate covenant pressure.

Improved vs weakest years

An observable improvement relative to past weakest periods suggests the company has demonstrable resilience and some recovery in capital structure. That improvement increases optionality for raising growth capital or restructuring, helping sustain operations while pursuing a path to profitability.

Negative Factors

Multi-year revenue contraction

Sustained revenue decline erodes scale, reduces absorptive capacity for fixed costs, and weakens competitive positioning. Over a medium-term horizon, continued top-line contraction makes durable margin recovery harder and raises the risk that fixed-cost base outpaces addressable demand.

Consistent negative operating and free cash flow

Persistent negative OCF and FCF mean the business is not self‑funding and requires external financing to sustain operations. Over months this drives dilution or higher borrowing costs, limits strategic investments, and increases execution risk if capital access tightens.

Sustained net losses and negative operating profit

TTM net losses and deeply negative operating profit indicate the core model is not covering costs. Persisting losses degrade equity, constrain reinvestment, and increase insolvency risk absent credible path to sustained profitability, challenging medium-term business viability.

Ameritrust Financial Technologies Business Overview & Revenue Model

Company Description

AmeriTrust Financial Technologies Inc. develops, markets, and sells access to cloud-based transaction platforms to finance and lease new and used vehicles in Canada. The company was formerly known as Powerband Solutions Inc. and changed its name to AmeriTrust Financial Technologies Inc. in October 2024. AmeriTrust Financial Technologies Inc. is headquartered in Burlington, Canada.

How the Company Makes Money

Ameritrust Financial Technologies Financial Statement Overview

Summary

Weak fundamentals: shrinking revenue, volatile/unsustainable profitability (TTM net loss and very negative operating profit), and persistent cash burn with negative operating and free cash flow across periods. Balance sheet leverage is currently more manageable, but past instability (including periods of negative equity) keeps financial risk elevated.

Income Statement

Revenue has been shrinking for multiple years, with TTM (Trailing-Twelve-Months) revenue down meaningfully versus the last annual period. Profitability is weak: TTM (Trailing-Twelve-Months) shows a net loss and extremely negative operating profit, indicating the core business is not covering its cost base. While gross profit remains positive and relatively stable historically (around ~50% gross margin in several annual periods), earnings have been volatile (including a large profit in 2024 that contrasts sharply with losses in other years), reducing confidence in the sustainability of reported profits.

Balance Sheet

Leverage looks manageable in the most recent annual period (debt below equity), and TTM (Trailing-Twelve-Months) shows debt that is modest relative to the company’s equity base. However, the balance sheet has shown significant instability historically, including periods with negative equity (which raises financial risk and limits flexibility). Overall, the company appears improved versus its weakest years, but the track record suggests the capital structure can deteriorate quickly if losses persist.

Cash Flow

Cash generation is a key weakness: operating cash flow has been negative across all shown periods, including a very large cash outflow in TTM (Trailing-Twelve-Months). Free cash flow is also consistently negative, meaning the business has not been self-funding and likely requires external financing to sustain operations. Although free cash flow improved in some years (including positive growth rates off a negative base), the absolute cash burn remains substantial and is not yet demonstrating durable improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.71M	2.16M	2.87M	12.26M	23.94M	3.03M
Gross Profit	762.42K	1.12M	1.47M	6.22M	11.64M	1.27M
EBITDA	305.19K	6.42M	-20.51M	-22.52M	-13.57M	-10.58M
Net Income	-197.67K	6.17M	-20.76M	-27.30M	-14.96M	-9.97M
Balance Sheet
Total Assets	5.66M	12.62M	6.86M	17.23M	20.41M	13.84M
Cash, Cash Equivalents and Short-Term Investments	3.97M	10.05M	1.94M	10.13M	6.37M	1.40M
Total Debt	614.36K	2.85M	5.14M	4.93M	10.63M	5.16M
Total Liabilities	4.49M	7.00M	20.46M	9.86M	15.88M	12.96M
Stockholders Equity	1.17M	5.62M	-12.02M	7.97M	3.88M	-697.66K
Cash Flow
Free Cash Flow	-7.65M	-4.74M	-7.37M	-19.30M	-10.58M	-8.51M
Operating Cash Flow	-7.65M	-4.74M	-6.90M	-10.74M	-7.77M	-8.08M
Investing Cash Flow	27.31K	658.10K	-118.70K	-8.14M	-7.41M	-1.68M
Financing Cash Flow	10.09M	12.20M	-1.24M	21.37M	20.07M	10.98M

Ameritrust Financial Technologies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
AMT	44 Neutral	C$50.34M	-166.67	―	―	―	―

Ameritrust Financial Technologies Corporate Events

AmeriTrust Raises $39.6 Million and Taps New CIO to Drive Automotive Lease Restart

AmeriTrust Financial Technologies has closed the second and final tranche of its brokered offering, raising an additional $3.37 million and bringing total gross proceeds to approximately $39.55 million, which will be used to restart lease originations in early 2026, fund both flow and haircut capital under its trust facilities, and support working capital. The company has also funded its first lease from a dealer partner, appointed former ECN Capital executive John Wimsatt as Chief Investment Officer to lead securitization and sale of lease contracts to institutional funding partners, granted commissions and broker warrants to its agents, and launched a 12‑month investor awareness campaign with Investing News Network, collectively strengthening its capital base, governance and market visibility ahead of a planned ramp-up in automotive leasing operations, subject to final TSXV acceptance of the offering.

AmeriTrust Raises $36.2 Million in First Tranche to Restart Auto Lease Originations

AmeriTrust Financial Technologies has closed the first tranche of its brokered financing, raising gross proceeds of $36.2 million through a combination of debenture units and equity “LIFE” units, each accompanied by common share purchase warrants. The capital will be used primarily to restart lease originations in the first quarter of 2026, funding both flow and haircut capital through a bankruptcy-remote trust structure, and to bolster working capital, marking a significant step in relaunching its core auto finance activities. The offering, led by Clarus Securities and Cormark Securities under Canada’s listed issuer financing exemption, also involved insider participation treated as a related-party transaction, while the resulting warrant structures, hold periods, and broker compensation underscore an effort to deepen investor engagement and support AmeriTrust’s growth trajectory in automotive lending.

AmeriTrust Launches Lease Originations and Amended $40M Offering

AmeriTrust Financial Technologies Inc. has launched new lease originations and announced an amended brokered offering of up to $40 million, consisting of a Debenture Offering and a LIFE Offering. The company has also secured a line of credit from the Bank of Texas to fund lease contracts through its Ameri II Trust, enabling greater funding capacity. These initiatives are expected to support the company’s growth, reduce expenses, and minimize shareholder dilution. AmeriTrust plans to expand its operations across the U.S. dealer market, starting with Texas, and aims to capture 1% market share in the coming years.

AmeriTrust Reports Q3 2025 Financial Results Amid Expansion Efforts

AmeriTrust Financial Technologies Inc. reported a decline in revenue and an increase in adjusted EBITDA loss for the third quarter of 2025, primarily due to higher salaries and wages from new hires in preparation for restarting lease originations. The company’s cash on hand decreased significantly compared to the previous year, and it reported a reduced working capital surplus, indicating financial challenges as it continues to expand its operations in the automotive finance sector.

AmeriTrust Reports Decline in Q3 2025 Financials Amid Expansion Preparations

AmeriTrust Financial Technologies reported a decrease in revenue for the third quarter of 2025 compared to both the previous quarter and the same quarter in 2024, with a significant increase in adjusted EBITDA loss due to higher salaries and wages from new hires. The company’s cash on hand and working capital surplus also saw a decline compared to the end of 2024, reflecting challenges in financial performance amidst preparations for restarting lease originations.

AmeriTrust Partners with myAutoloan.com as National Lease Partner

AmeriTrust Financial Technologies Inc. has entered into an agreement to become the National Lease Partner for myAutoloan.com, a direct-to-consumer online automotive finance marketplace. This partnership grants AmeriTrust exclusive rights to all lease applications generated by myAutoloan.com, enhancing its market presence in the automotive finance sector. The collaboration is expected to provide myAutoloan.com’s customers with increased choice and flexibility in vehicle leasing and loan financing options, potentially leading to a rise in financed applications through the platform.