ADVANCED FLOWER CAPITAL INC (AFCG) Fundamental Analysis & Valuation

NASDAQ:AFCG • US00109K1051

Current stock price

2.65 USD
-0.09 (-3.28%)
Last:

This AFCG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AFCG Profitability Analysis

1.1 Basic Checks

  • In the past year AFCG was profitable.
  • In the past year AFCG had a positive cash flow from operations.
  • Of the past 5 years AFCG 4 years were profitable.
  • In the past 5 years AFCG always reported a positive cash flow from operatings.
AFCG Yearly Net Income VS EBIT VS OCF VS FCFAFCG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

1.2 Ratios

  • AFCG has a Return On Assets of -7.59%. This is amonst the worse of the industry: AFCG underperforms 83.06% of its industry peers.
  • With a Return On Equity value of -11.92%, AFCG is not doing good in the industry: 78.10% of the companies in the same industry are doing better.
  • The Return On Invested Capital of AFCG (2.57%) is comparable to the rest of the industry.
  • AFCG had an Average Return On Invested Capital over the past 3 years of 5.17%. This is in line with the industry average of 7.14%.
Industry RankSector Rank
ROA -7.59%
ROE -11.92%
ROIC 2.57%
ROA(3y)0.31%
ROA(5y)2.47%
ROE(3y)0.89%
ROE(5y)4.19%
ROIC(3y)5.17%
ROIC(5y)5.95%
AFCG Yearly ROA, ROE, ROICAFCG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • The Operating Margin of AFCG (36.14%) is better than 67.77% of its industry peers.
  • In the last couple of years the Operating Margin of AFCG has declined.
  • The Gross Margin of AFCG (88.08%) is better than 92.15% of its industry peers.
  • In the last couple of years the Gross Margin of AFCG has remained more or less at the same level.
Industry RankSector Rank
OM 36.14%
PM (TTM) N/A
GM 88.08%
OM growth 3Y-19.33%
OM growth 5Y-8.87%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y-1.16%
AFCG Yearly Profit, Operating, Gross MarginsAFCG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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5

2. AFCG Health Analysis

2.1 Basic Checks

  • AFCG has more shares outstanding than it did 1 year ago.
  • AFCG has more shares outstanding than it did 5 years ago.
  • AFCG has a better debt/assets ratio than last year.
AFCG Yearly Shares OutstandingAFCG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
AFCG Yearly Total Debt VS Total AssetsAFCG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • AFCG has an Altman-Z score of 0.31. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.31, AFCG is not doing good in the industry: 66.94% of the companies in the same industry are doing better.
  • The Debt to FCF ratio of AFCG is 8.66, which is on the high side as it means it would take AFCG, 8.66 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 8.66, AFCG is in the better half of the industry, outperforming 62.81% of the companies in the same industry.
  • A Debt/Equity ratio of 0.55 indicates that AFCG is somewhat dependend on debt financing.
  • AFCG has a Debt to Equity ratio of 0.55. This is in the better half of the industry: AFCG outperforms 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 8.66
Altman-Z 0.31
ROIC/WACCN/A
WACCN/A
AFCG Yearly LT Debt VS Equity VS FCFAFCG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 15.62 indicates that AFCG has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 15.62, AFCG belongs to the best of the industry, outperforming 97.11% of the companies in the same industry.
  • AFCG has a Quick Ratio of 15.62. This indicates that AFCG is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 15.62, AFCG belongs to the best of the industry, outperforming 97.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 15.62
Quick Ratio 15.62
AFCG Yearly Current Assets VS Current LiabilitesAFCG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AFCG Growth Analysis

3.1 Past

  • The earnings per share for AFCG have decreased strongly by -76.33% in the last year.
  • AFCG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -45.86% yearly.
  • The Revenue for AFCG has decreased by -50.44% in the past year. This is quite bad
  • The Revenue has been growing by 34.41% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-76.33%
EPS 3Y-45.86%
EPS 5YN/A
EPS Q2Q%-141.38%
Revenue 1Y (TTM)-50.44%
Revenue growth 3Y-31.11%
Revenue growth 5Y34.41%
Sales Q2Q%-32.09%

3.2 Future

  • Based on estimates for the next years, AFCG will show a very strong growth in Earnings Per Share. The EPS will grow by 48.37% on average per year.
  • The Revenue is expected to grow by 32.40% on average over the next years. This is a very strong growth
EPS Next Y69.15%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
EPS Next 5Y48.37%
Revenue Next Year0.41%
Revenue Next 2Y7.64%
Revenue Next 3Y32.81%
Revenue Next 5Y32.4%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
AFCG Yearly Revenue VS EstimatesAFCG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 20M 40M 60M 80M 100M
AFCG Yearly EPS VS EstimatesAFCG Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3

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8

4. AFCG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.62 indicates a rather cheap valuation of AFCG.
  • Compared to the rest of the industry, the Price/Earnings ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 81.82% of the companies listed in the same industry.
  • AFCG is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.92.
  • Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 94.63% of the companies in the same industry.
  • AFCG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 6.62
Fwd PE 3.92
AFCG Price Earnings VS Forward Price EarningsAFCG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • AFCG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFCG is cheaper than 84.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.33
EV/EBITDA N/A
AFCG Per share dataAFCG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AFCG's earnings are expected to grow with 58.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y34.08%
EPS Next 3Y58.45%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AFCG Dividend Analysis

5.1 Amount

  • AFCG has a Yearly Dividend Yield of 17.76%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.94, AFCG pays a better dividend. On top of this AFCG pays more dividend than 89.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, AFCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 17.76%

5.2 History

  • AFCG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AFCG Yearly Dividends per shareAFCG Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • AFCG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-92.44%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
AFCG Yearly Income VS Free CF VS DividendAFCG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

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AFCG Fundamentals: All Metrics, Ratios and Statistics

ADVANCED FLOWER CAPITAL INC

NASDAQ:AFCG (3/20/2026, 2:54:35 PM)

2.65

-0.09 (-3.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-04
Earnings (Next)05-12
Inst Owners26.39%
Inst Owner Change9.37%
Ins Owners29.56%
Ins Owner Change18.51%
Market Cap59.86M
Revenue(TTM)24.56M
Net Income(TTM)-20.93M
Analysts76
Price Target5.1 (92.45%)
Short Float %14.33%
Short Ratio5.94
Dividend
Industry RankSector Rank
Dividend Yield 17.76%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP-92.44%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-531.41%
Min EPS beat(2)-1041.18%
Max EPS beat(2)-21.65%
EPS beat(4)0
Avg EPS beat(4)-279.02%
Min EPS beat(4)-1041.18%
Max EPS beat(4)-16.37%
EPS beat(8)1
Avg EPS beat(8)-142.5%
EPS beat(12)1
Avg EPS beat(12)-96.47%
EPS beat(16)4
Avg EPS beat(16)-71.52%
Revenue beat(2)1
Avg Revenue beat(2)1.09%
Min Revenue beat(2)-12.69%
Max Revenue beat(2)14.87%
Revenue beat(4)1
Avg Revenue beat(4)-10.49%
Min Revenue beat(4)-23.78%
Max Revenue beat(4)14.87%
Revenue beat(8)2
Avg Revenue beat(8)-12.58%
Revenue beat(12)2
Avg Revenue beat(12)-11%
Revenue beat(16)5
Avg Revenue beat(16)-7.28%
PT rev (1m)0%
PT rev (3m)-24.53%
EPS NQ rev (1m)-27.27%
EPS NQ rev (3m)-52%
EPS NY rev (1m)0%
EPS NY rev (3m)-23.76%
Revenue NQ rev (1m)20.17%
Revenue NQ rev (3m)3.75%
Revenue NY rev (1m)-2.45%
Revenue NY rev (3m)-5.41%
Valuation
Industry RankSector Rank
PE 6.62
Fwd PE 3.92
P/S 2.44
P/FCF 5.33
P/OCF 5.33
P/B 0.34
P/tB 0.34
EV/EBITDA N/A
EPS(TTM)0.4
EY15.09%
EPS(NY)0.68
Fwd EY25.53%
FCF(TTM)0.5
FCFY18.77%
OCF(TTM)0.5
OCFY18.77%
SpS1.09
BVpS7.77
TBVpS7.77
PEG (NY)0.1
PEG (5Y)N/A
Graham Number8.36
Profitability
Industry RankSector Rank
ROA -7.59%
ROE -11.92%
ROCE 3.25%
ROIC 2.57%
ROICexc 2.99%
ROICexgc 2.99%
OM 36.14%
PM (TTM) N/A
GM 88.08%
FCFM 45.74%
ROA(3y)0.31%
ROA(5y)2.47%
ROE(3y)0.89%
ROE(5y)4.19%
ROIC(3y)5.17%
ROIC(5y)5.95%
ROICexc(3y)6.89%
ROICexc(5y)8.28%
ROICexgc(3y)6.89%
ROICexgc(5y)8.28%
ROCE(3y)6.54%
ROCE(5y)7.54%
ROICexgc growth 3Y-39.89%
ROICexgc growth 5Y-0.69%
ROICexc growth 3Y-39.89%
ROICexc growth 5Y-0.69%
OM growth 3Y-19.33%
OM growth 5Y-8.87%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y-1.16%
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 8.66
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.48
Cash Conversion N/A
Profit Quality N/A
Current Ratio 15.62
Quick Ratio 15.62
Altman-Z 0.31
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-76.33%
EPS 3Y-45.86%
EPS 5YN/A
EPS Q2Q%-141.38%
EPS Next Y69.15%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
EPS Next 5Y48.37%
Revenue 1Y (TTM)-50.44%
Revenue growth 3Y-31.11%
Revenue growth 5Y34.41%
Sales Q2Q%-32.09%
Revenue Next Year0.41%
Revenue Next 2Y7.64%
Revenue Next 3Y32.81%
Revenue Next 5Y32.4%
EBIT growth 1Y-71.46%
EBIT growth 3Y-44.43%
EBIT growth 5Y22.49%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.88%
FCF growth 3Y-28.95%
FCF growth 5Y49.19%
OCF growth 1Y-47.88%
OCF growth 3Y-28.95%
OCF growth 5Y49.19%

ADVANCED FLOWER CAPITAL INC / AFCG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AFCG.


Can you provide the valuation status for ADVANCED FLOWER CAPITAL INC?

ChartMill assigns a valuation rating of 8 / 10 to ADVANCED FLOWER CAPITAL INC (AFCG). This can be considered as Undervalued.


How profitable is ADVANCED FLOWER CAPITAL INC (AFCG) stock?

ADVANCED FLOWER CAPITAL INC (AFCG) has a profitability rating of 4 / 10.


What is the financial health of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

The financial health rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10.


How sustainable is the dividend of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

The dividend rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10 and the dividend payout ratio is -92.44%.