Stock Ratings / Financials / BENF / forecast

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Beneficient (Class A) (BENF) 12-Month Stock Forecast & Price Target Cone

$0.73 -8.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.72

Beneficient (Class A) (BENF) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (35/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $15.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BENF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BENF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Beneficient (Class A) (NASDAQ: BENF) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $0.73 (-8.88% 1D, market cap $15.3M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, BENF ranks #989 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BENF compare to NCPL and BCG in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), BENF carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, NCPL (Netcapital Inc.) holds a C grade (63/100 RQD, P/E N/A, ROIC —, cap $14.3M) and BCG (Binah Capital Group Inc.) posts a D grade (51/100 RQD, P/E 8.0x, ROIC 12.6%, cap $18.4M). Among the 5-stock peer group, BCG leads on earnings multiple (8.0x) while BCG leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BENF?

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Per BENF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001775734), Beneficient (Class A) generated -$39.1M in revenue (-392.6% YoY), -$87.4M in net income, and -$38.8M in free cash flow against $337.9M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.72 (-1.79%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (35/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.5% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-11% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BENF)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (35/100 Composite)

🔍 WHY BENF SCORES 35/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+11/20 pts (31% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 41.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$0.96-3.1% Next Q

Q2 (-2Q)

Grade D$0.93-15.1% Next Q

Q3 (-1Q)

Grade E$0.79-7.6% Next Q

Current

Grade D-$0.73-8.5% Hist 90D α

Trajectory: D (43) → D- (35)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BENF Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BENF currently carries a cautious 35/100 (D-) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.30) and Max Pain ($0.77) forces dealer call-delta covering toward $10.46.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BENF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BENF Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 35%NO 65%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your BENF Position Size: $10,000

Shares at $0.73: 13698.6 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $0.51

$6,986

$-3,014 (-30.1%)

12M Consensus BaseTarget $0.65

$8,904

$-1,096 (-11.0%)

12M Bull Case BreakoutTarget $10.46

$143,288

+$133,288 (+1332.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 9

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$1	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$10	69%	B
JP MorganUS Large-Cap Research	SELL	$1	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BENF)

✓Walkthrough of BENF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

BENF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -78.78%▼ DESCENDING CHANNEL

2026-11-02O $0.83H $0.83L $0.73C $0.73VOL 353.5K

RES: $2.80SUP: $-0.35SMA50: $1.30SMA200: $3.02

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BENF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BENF Butterfly Map → + Track BENF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BENF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BENF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BENF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BENF)

Financials Rank #989 of 1096 ⚔️ NCPL vs BENF Full Matrix →

1. Head-to-Head Financials Peer Comparison (BENF vs. NCPL, BCG, ORIO, DRK)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Beneficient (Class A) (BENF) ranks #989 by composite RQD confidence (35/100, grade D-) and #1067 by equity capitalization ($15.3M). Within this direct 5-issuer industry benchmark cohort, BCG leads on earnings valuation at 8.0x trailing P/E, while BCG leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NCPL currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with BENF at 35/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BENF ACTIVE Beneficient (Class A)	D-	35/100	—	—	-35.0%	-8.88%	$15.3M	Benchmark Subject
NCPL Netcapital Inc.	C	63/100	—	—	—	-10.67%	$14.3M	/ncpl-vs-benf →
BCG Binah Capital Group Inc.	D	51/100	8.0x	—	12.6%	0.00%	$18.4M	/bcg-vs-benf →
ORIO Orion Digital Corp.	D	48/100	—	—	—	+0.15%	$20.5M	/orio-vs-benf →
DRK DarkHorse Technologies Inc.	E	26/100	—	—	-35.0%	-11.56%	$21.1M	/drk-vs-benf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0001775734

In its most recent audited fiscal period (FY2025, filed 2026-03-31), Beneficient (Class A) (BENF) reported GAAP revenue of -$39.1M (-392.6% vs. FY2024 revenue of -$7.9M , and +60.4% cumulative change since FY2023) , GAAP net income of -$87.4M, operating cash flow of -$38.7M, and free cash flow of -$38.8M (-0.0% YoY). On the balance sheet, BENF closed FY2025 with $337.9M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-31	-$39.1M	-$87.4M	-$38.7M	-$38.8M	$337.9M	—
FY2024 (FY)	2025-03-31	-$7.9M	$51.2M	-$37.7M	-$38.8M	$400.0M	—
FY2023 (FY)	2024-03-31	-$98.7M	-$2.10B	-$58.2M	-$58.2M	—	—

3. BENF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BENF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BENF compare to NCPL and BCG in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for BENF?

Where is BENF trading relative to its 50-day, 200-day, and 52-week technical levels?

BENF last traded at $0.73 (-8.88% on volume of 268,819 shares), positioning the stock -43.85% below its 50-day simple moving average ($1.30) and -75.83% below its 200-day simple moving average ($3.02). Across its 52-week range of $0.50 to $9.96, BENF sits at the 2.4% percentile with a 14-day RSI of 41.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.82).

BENF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is BENF's 12-month stock price target?

Beneficient (Class A) (BENF) carries a 12-month consensus base price target of $0.65 (-11% from $0.73), with a bull-case target of $10.46 and a bear-case floor of $0.51.

Is BENF stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates BENF D- (Sell — SELL) with an RQD Confidence score of 35/100.

Direct Sub-Reports: BENF RQD Cockpit BENF 12M Forecast BENF Earnings & Move BENF Dividends & DRIP BENF Insiders & 13F BENF Whale Options BENF Profit Sankey BENF News & Why

ROARABLE RATING BRIEF • RQD 35/100 (D-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BENF — Beneficient (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:50:41Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BENF scores 35 out of 100 with a letter grade of D- and a verdict label of "Roarable Sell — Vulnerable Balance Sheet & Flow." The five pillars are:

Fundamental Cash Engine: 6 / 20. The rating cites ROIC of -35% and an FCF yield of 0%. For a prospective investor, this means the business is not currently generating returns on invested capital or free cash flow to support the equity, so any upside would have to come from factors other than operating cash generation.
Whale / 13F Flow: 3 / 20. The rating reflects institutional accumulation and options positioning as weak. Limited institutional support reduces the likelihood of a flow-driven rerating and leaves the stock more exposed to retail-driven or thin-liquidity price moves.
Insider Conviction: 5 / 20. The rating references SEC Form 4 and Congressional PTR cluster flow. The low score indicates insider activity does not provide a strong confidence signal for a prospective buyer.
Macro Regime Fit: 11 / 20. The rating cites a beta of 1.0 and sector sensitivity. This is the strongest pillar, but it is a neutral-to-moderate score that does not offset the weaknesses elsewhere; the stock's market sensitivity is average rather than a source of defensive protection.
Forensic Balance Sheet: 10 / 20. The rating cites an Altman Z of 2.5, a Piotroski F of 1/9, and a Debt/Equity of 0.5. Taken together, these point to a fragile financial position: the Piotroski reading is very weak, and the balance sheet offers only partial resilience.

Investor implications: the main upside drivers would need to be non-operational (for example, corporate actions or a sharp change in sentiment), since the cash engine and flow pillars are weak. Valuation tradeoffs are difficult to assess because several standard multiples are unavailable in the source data. The rating frames the stock as vulnerable on both balance sheet and flow dimensions, which is the central risk a prospective investor should weigh.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$-39.1M	$-166.5M	$-87.4M	N/A	$-38.8M	$7.9M	N/A
FY 2024	$-7.9M	$-24.2M	$51.2M	N/A	$-38.8M	$4.1M	N/A
FY 2023	$-98.7M	$-2648.5M	$-2095.6M	N/A	$-58.2M	N/A	N/A

Per the SEC financials, reported revenue, operating income, and free cash flow are negative across the listed periods, and FY 2024 shows positive net income of $51.2M despite negative revenue and operating income. Margins are reported as 0% across gross, operating, and net lines in the market data, and ROIC is -35%. The Roarable RQD rating cites an Altman Z-Score of 2.5, a Piotroski F-Score of 1/9, and Debt/Equity of 0.5. Cash is reported at $7.9M for FY 2025.

Recent Catalysts & News Wire Analysis

Market wire (YELLOW): A TradingView report titled "Beneficient Estimates – NASDAQ:BENF" (1h ago).
Stock Titan (YELLOW): A report on a $1M payment to a director-linked firm receiving more time (3h ago).
Stock Titan (YELLOW): A 61,321-share stock grant covering prior service compensation (6h ago).
Stock Titan (YELLOW): A report on advancing a strategy to eliminate HCLP debt and Heppner interests (9h ago).
Risk Watch (RED): A report referencing Q3 2026 earnings with loss per share narrowing versus estimates, with a modest stock response (12h ago). The source summary for this item is malformed and references an unrelated domain, so the item's content should be verified independently.
Stock Titan (YELLOW): Director Karen Wendel received 25,689 stock units (15h ago).

The Butterfly Supply-Chain Graph lists no supply chain relationships and no proprietary signals.

Open Questions

What is the company's revenue model, and what drives the negative reported revenue in FY 2024 and FY 2025?
What explains the positive FY 2024 net income of $51.2M alongside negative operating income and revenue?
What is the nature and timing of the HCLP debt and Heppner interest elimination strategy, and how would it affect the balance sheet?
What are the terms and outstanding amount of debt, given that debt figures are unavailable across all periods?
Who holds the shares, and is there any institutional, insider, or analyst coverage to contextualize the rating?

BENF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Beneficient (Class A) (BENF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BENF Debate Forum (3) ↓

🟡 MARKET WIRE TradingView • 6h ago

Beneficient Estimates – NASDAQ:BENF

TradingView report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 9h ago

A $1M payment to a director-linked firm gets more time at Beneficient (BENF).

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 12h ago

A 61,321-share stock grant covers prior service compensation at Beneficient (BENF).

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 15h ago

Beneficient Advances Strategy to Eliminate HCLP Debt and Heppner Interests

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH https://www.dars.gov.et/ • 18h ago

BENF Q3 2026 Earnings: Loss Per Share Narrows Sharply Versus Estimates, Drawing a Modest Stock Response - Revenue Surprise History

https://www.dars.gov.et/ report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 21h ago

Vested on arrival: director Karen Wendel receives 25,689 stock units from Beneficient (BENF).

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A 23,300-unit stock grant to Beneficient (BENF) director Bruce William Schnitzer vested immediately.

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A fully vested stock award brings Beneficient (BENF) director Hicks’s reported holdings to 47,738 shares.

Stock Titan report covering Beneficient (Class A) (BENF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BENF Bull vs. Bear Conversation Board — What's Your Call at $0.73?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BENF 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $0.71 (-12.3%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BENF (D- • RQD 35/100) a Buy at $0.81?

Welcome to the BENF (Beneficient (Class A)) Roar Pit. Current RQD Composite is 35/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $0.62 (-23.5%)

Spot @ $0.81

Pump the brakes on BENF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BENF, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Beneficient (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

AL AlphaFlow_Cap Verified K Arena Trader 🐂 BULLISH 🎯 Target: $0.95 (+17.3%)

Spot @ $0.81

BENF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BENF, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $0.81 (52-wk range $0.50 - $9.96), any beat on forward guidance forces shorts and underweight funds to chase.