Agri-Fintech Holdings, Inc. (TMNA)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Agri-Fintech Holdings, Inc. (TMNA) trades at $0.00 with AI Score 51/100 (Grade B). Agri-Fintech Holdings, Inc. (TMNA), operating as Tingo, Inc. , is an agri-fintech company that provides a platform service through smartphones. Market cap: $122,752, Sector: Technology.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for TMNA: TMNA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TMNA against Technology peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TMNA: 3/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Agri-Fintech Holdings, Inc. (TMNA) Technology Profile & Competitive Position
Agri-Fintech Holdings, Inc., operating as Tingo, Inc., delivers agri-fintech solutions via a smartphone platform, connecting African farmers to global markets. Its services include airtime top-ups, bill payments, insurance, and microfinance, positioning it as a key enabler in the agricultural technology space with a focus on emerging markets.
What Is the Investment Thesis for TMNA?
Agri-Fintech Holdings, Inc. presents a compelling, albeit high-risk, investment thesis centered on its potential to disrupt the African agricultural market through its integrated mobile platform. The company's high profit margin of 68.2% and gross margin of 94.7% indicate strong pricing power and efficient operations. However, the negative beta of -52.31 suggests a high degree of volatility and potential disconnect from broader market movements. Growth catalysts include the expansion of the Nwassa platform and increased adoption of mobile financial services among African farmers. The company's ability to scale its operations and maintain its high margins will be critical to its long-term success. Investors should carefully consider the risks associated with OTC-traded companies and the specific challenges of operating in emerging markets.
Based on FMP financials and quantitative analysis
TMNA Key Highlights
- Profit Margin of 68.2% indicates strong profitability in its agri-fintech operations.
- Gross Margin of 94.7% demonstrates efficient cost management and pricing strategies.
- Return on Equity (ROE) of 31.6% suggests effective utilization of shareholder equity to generate profits.
- Debt-to-Equity Ratio of 1.99 indicates a relatively leveraged capital structure, which could amplify both gains and losses.
- The company's Nwassa platform provides African farmers access to international markets, potentially increasing their income and improving agricultural practices.
Who Are TMNA's Competitors?
TMNA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MTC MMTec, Inc. | $2.53 | -7.66% | $63.72M | 66 |
| CFLT Confluent, Inc. | $30.99 | +0.00% | 12B | 71 |
| NET Cloudflare, Inc. | $245.87 | +1.43% | $87.27B | 67 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $11.85 | +1.94% | $268.17M | 67 |
| CINT CI&T Inc. | $3.40 | -2.99% | $438.07M | 66 |
| NTNX Nutanix, Inc. | $53.09 | +3.53% | $14.35B | 59 |
| MDB MongoDB, Inc. | $355.44 | +0.16% | $28.59B | 59 |
| SAIL SailPoint, Inc. | $15.27 | -0.26% | $8.66B | 59 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TMNA's Key Strengths?
- Comprehensive agri-fintech platform.
- Strong focus on the African agricultural market.
- High profit and gross margins.
- Established Nwassa platform.
What Are TMNA's Weaknesses?
- OTC-traded stock with limited liquidity.
- High debt-to-equity ratio.
- Negative beta indicating high volatility.
- Dependence on the African agricultural market.
What Could Drive TMNA Stock Higher?
- Expansion of the Nwassa platform to new African countries, increasing user base and revenue streams.
- Increasing adoption of mobile financial services among African farmers, driving demand for Agri-Fintech Holdings, Inc.'s services.
- Strategic partnerships with agricultural organizations, enhancing the company's reach and credibility.
What Are the Key Risks for TMNA?
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Competition from established mobile financial service providers, eroding market share and profitability.
- Regulatory risks in emerging markets, impacting the company's operations and compliance costs.
- Economic instability in Africa, reducing farmers' ability to invest in agricultural technologies.
- Limited liquidity of OTC-traded stock, making it difficult to buy or sell shares quickly and at desired prices.
- High debt-to-equity ratio, increasing financial risk and vulnerability to economic downturns.
What Are the Growth Opportunities for TMNA?
- Expansion of Nwassa Platform: The Nwassa platform's growth potential lies in expanding its reach to more African countries and integrating additional services such as weather forecasting, crop insurance, and access to agricultural inputs. The addressable market includes millions of smallholder farmers across Africa who lack access to formal markets and financial services. By enhancing the platform's capabilities and expanding its geographic footprint, Agri-Fintech Holdings, Inc. can significantly increase its user base and revenue streams. Timeline: Ongoing, with continuous feature updates and market expansion planned.
- Increased Adoption of Mobile Financial Services: The increasing penetration of smartphones and mobile internet in Africa presents a significant growth opportunity for Agri-Fintech Holdings, Inc. By offering a range of mobile financial services, including microfinance, insurance, and bill payments, the company can tap into the growing demand for convenient and accessible financial solutions among farmers. The market for mobile financial services in Africa is projected to reach billions of dollars in the coming years. Timeline: Ongoing, driven by increasing smartphone adoption and mobile internet access.
- Strategic Partnerships with Agricultural Organizations: Collaborating with agricultural cooperatives, government agencies, and NGOs can provide Agri-Fintech Holdings, Inc. with access to a wider network of farmers and enhance its credibility within the agricultural community. These partnerships can facilitate the adoption of the company's platform and services, as well as provide valuable insights into the specific needs of farmers in different regions. Timeline: Within the next 1-2 years, focusing on establishing key partnerships in strategic regions.
- Development of Precision Agriculture Solutions: Integrating precision agriculture technologies, such as remote sensing, data analytics, and IoT devices, into the Nwassa platform can enable farmers to optimize their farming practices, reduce costs, and increase yields. The market for precision agriculture solutions is growing rapidly, driven by the increasing need for sustainable and efficient farming practices. By offering these advanced technologies, Agri-Fintech Holdings, Inc. can differentiate itself from competitors and attract farmers seeking to improve their productivity. Timeline: Over the next 3-5 years, focusing on integrating and scaling precision agriculture technologies.
- Expansion into New Agricultural Sectors: While currently focused on crop farming, Agri-Fintech Holdings, Inc. can expand its platform to serve other agricultural sectors, such as livestock farming, aquaculture, and forestry. This diversification can broaden the company's revenue base and reduce its reliance on a single sector. The market for agri-tech solutions in these sectors is growing, driven by the increasing demand for sustainable and efficient production practices. Timeline: Over the next 3-5 years, focusing on expanding into adjacent agricultural sectors.
What Opportunities Does TMNA Have?
- Expansion of the Nwassa platform to new markets.
- Increased adoption of mobile financial services in Africa.
- Strategic partnerships with agricultural organizations.
- Development of precision agriculture solutions.
What Threats Does TMNA Face?
- Competition from established mobile financial service providers.
- Regulatory risks in emerging markets.
- Economic instability in Africa.
- Technological disruptions in the agri-tech industry.
What Are TMNA's Competitive Advantages?
- Established Nwassa platform with a growing user base.
- Strong relationships with African farmers and agricultural organizations.
- Proprietary technology platform tailored to the specific needs of the agricultural community.
- First-mover advantage in the African agri-fintech market.
What Does TMNA Do?
Founded in 2015 and based in New York, Agri-Fintech Holdings, Inc., operating as Tingo, Inc., is an agri-fintech company focused on transforming the agricultural sector through technology. The company provides a comprehensive platform accessible via smartphones, offering a suite of services designed to empower farmers in Africa. These services include airtime top-ups, bill payment solutions, access to insurance products, and microfinance options, all tailored to the specific needs of the agricultural community. A key offering is the Nwassa platform, which connects African farmers to international markets, enabling them to secure better pricing for their crops and expand their reach beyond local markets. By providing these essential services through a user-friendly mobile platform, Tingo aims to improve the efficiency, profitability, and sustainability of farming operations across the continent. The company's focus on leveraging technology to address the challenges faced by farmers in emerging markets positions it as a unique player in the agri-tech landscape.
What Products and Services Does TMNA Offer?
- Provides a smartphone-based platform for agri-fintech services.
- Offers airtime top-ups and bill payment solutions.
- Facilitates access to insurance products for farmers.
- Provides microfinance services to support agricultural activities.
- Connects African farmers to international markets via the Nwassa platform.
- Enables farmers to secure better pricing for their crops.
How Does TMNA Make Money?
- Generates revenue through transaction fees on airtime top-ups and bill payments.
- Earns commissions on insurance products sold through the platform.
- Charges interest on microfinance loans provided to farmers.
- Collects fees for connecting farmers to international markets via the Nwassa platform.
What Industry Does TMNA Operate In?
Agri-Fintech Holdings, Inc. operates within the rapidly evolving agri-tech industry, which is experiencing significant growth driven by the increasing need for sustainable and efficient agricultural practices. The market is characterized by the adoption of digital technologies to improve farming operations, enhance market access, and provide financial services to farmers. The competitive landscape includes companies offering precision agriculture solutions, farm management software, and mobile banking services. Agri-Fintech Holdings, Inc.'s focus on providing a comprehensive platform for African farmers positions it to capitalize on the growing demand for agri-tech solutions in emerging markets.
Who Are TMNA's Key Customers?
- Smallholder farmers in Africa.
- Agricultural cooperatives and organizations.
- Insurance providers.
- Microfinance institutions.
Company Profile
Agri-Fintech Holdings, Inc. operates in the Software - Infrastructure industry within the Technology sector. It is headquartered in Draper, US. The company is led by CEO Dozy Mmobuosi. TMNA has traded publicly since 2017.
Agri-Fintech Holdings, Inc. (TMNA) Valuation Context
Valued at 123K, TMNA is classified as a micro-cap stock. Relative to its peer group, TMNA's quantitative score of 51/100 is below the peer average of 67/100.
ROE 16%Key Financial Metrics
Return on equity for Agri-Fintech Holdings, Inc. stands at 16.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 36.5%, showing how much profit it generates from its asset base. TMNA trades at a trailing price-to-earnings ratio of 0.00, below the Technology sector average of ~38x. Its free cash flow yield is -37.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.69 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 3/9Financial Health
Agri-Fintech Holdings, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 2.34 places it in the grey zone, a middle ground that warrants monitoring.
TMNA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Comprehensive agri-fintech platform.
- Strong focus on the African agricultural market.
- High profit and gross margins.
- Established Nwassa platform.
Bear Case
- OTC-traded stock with limited liquidity.
- High debt-to-equity ratio.
- Negative beta indicating high volatility.
- Dependence on the African agricultural market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
TMNA Latest News
No recent news available for TMNA.
TMNA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TMNA.
Price Targets
Wall Street price target analysis for TMNA.
TMNA MoonshotScore
What does this score mean?
The MoonshotScore rates TMNA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Dozy Mmobuosi
CEO
Dozy Mmobuosi is the Chief Executive Officer of Agri-Fintech Holdings, Inc. His background includes extensive experience in technology and business development, with a focus on emerging markets. He has a track record of founding and scaling successful ventures in various sectors. Mmobuosi's expertise lies in identifying opportunities in underserved markets and leveraging technology to create innovative solutions. His leadership is focused on driving growth and expanding Agri-Fintech Holdings, Inc.'s reach across Africa.
Track Record: Under Dozy Mmobuosi's leadership, Agri-Fintech Holdings, Inc. has developed and launched the Nwassa platform, connecting African farmers to international markets. He has overseen the expansion of the company's service offerings to include airtime top-ups, bill payments, insurance, and microfinance. Mmobuosi has also forged strategic partnerships with agricultural organizations to facilitate the adoption of the company's platform and services.
TMNA OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Agri-Fintech Holdings, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Investing in companies on the OTC Other tier carries a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ, due to the lack of regulatory oversight and stringent listing requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Lower trading volumes and wider bid-ask spreads can lead to price volatility.
- Lack of regulatory oversight increases the risk of fraud or mismanagement.
- OTC-traded stocks are generally more susceptible to market manipulation.
- Potential for delisting or suspension of trading due to non-compliance with OTC regulations.
- Verify the company's financial statements and audit reports.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal standing.
- Monitor trading volumes and price movements for signs of manipulation.
- Consult with a financial advisor to assess the risks and potential rewards of investing in OTC stocks.
- Existence of a functional website and social media presence.
- Partnerships with reputable agricultural organizations.
- Positive media coverage and industry recognition.
- Transparency in disclosing company information and activities.
- Active engagement with investors and stakeholders.
Common Questions About TMNA (Technology)
What does Agri-Fintech Holdings, Inc. do?
Agri-Fintech Holdings, Inc., operating as Tingo, Inc., is an agri-fintech company that provides a comprehensive platform for African farmers. The company offers a range of services, including airtime top-ups, bill payments, insurance, and microfinance, all accessible via smartphones. Its key offering is the Nwassa platform, which connects farmers to international markets, enabling them to secure better pricing for their crops. By providing these essential services, Agri-Fintech Holdings, Inc. aims to improve the efficiency, profitability, and sustainability of farming operations across Africa, leveraging technology to address the challenges faced by farmers in emerging markets.
What do analysts say about TMNA stock?
As of 2026-03-16, formal analyst coverage of Agri-Fintech Holdings, Inc. (TMNA) is limited due to its OTC listing. However, key valuation metrics include a high profit margin of 68.2% and a gross margin of 94.7%, suggesting strong operational efficiency. The company's growth considerations revolve around expanding the Nwassa platform, increasing adoption of mobile financial services, and forming strategic partnerships. Investors should carefully consider the risks associated with OTC-traded companies and the specific challenges of operating in emerging markets when evaluating TMNA stock.
What are the main risks for TMNA?
The main risks for Agri-Fintech Holdings, Inc. include competition from established mobile financial service providers, regulatory risks in emerging markets, and economic instability in Africa. The company's OTC listing also presents risks related to limited liquidity, lower trading volumes, and potential for market manipulation. Additionally, the high debt-to-equity ratio increases financial risk and vulnerability to economic downturns. Investors should carefully assess these risks before investing in TMNA stock, considering the specific challenges of operating in the agri-tech sector in emerging markets.
What are the key factors to evaluate for TMNA?
Agri-Fintech Holdings, Inc. (TMNA) holds an AI score of 51/100 (moderate). Not financial advice.
How frequently does TMNA data refresh on this page?
TMNA prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TMNA's recent stock price performance?
Agri-Fintech Holdings, Inc. (TMNA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive agri-fintech platform. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TMNA overvalued or undervalued right now?
Valuing Agri-Fintech Holdings, Inc. (TMNA) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying TMNA?
Before investing in Agri-Fintech Holdings, Inc. (TMNA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than major exchange data.
- AI analysis pending for TMNA.