ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
3.13 USD
+0.03 (+0.97%)
3.17 USD
+0.04 (+1.28%)
Taking everything into account, AFCG scores 5 out of 10 in our fundamental rating. AFCG was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and the financial health of AFCG get a neutral evaluation. Nothing too spectacular is happening here. AFCG may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year AFCG was profitable.
AFCG had a positive operating cash flow in the past year.
Each year in the past 5 years AFCG has been profitable.
In the past 5 years AFCG always reported a positive cash flow from operatings.
1.2 Ratios
AFCG has a Return On Assets of -3.00%. This is amonst the worse of the industry: AFCG underperforms 82.35% of its industry peers.
With a Return On Equity value of -4.71%, AFCG is not doing good in the industry: 73.53% of the companies in the same industry are doing better.
AFCG has a better Return On Invested Capital (5.08%) than 97.06% of its industry peers.
AFCG had an Average Return On Invested Capital over the past 3 years of 8.33%. This is significantly above the industry average of 1.19%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -4.71% | ||
| ROIC | 5.08% |
ROA(3y)5.2%
ROA(5y)4.94%
ROE(3y)8.49%
ROE(5y)7.57%
ROIC(3y)8.33%
ROIC(5y)6.54%
1.3 Margins
In the last couple of years the Profit Margin of AFCG has declined.
With an excellent Operating Margin value of 62.20%, AFCG belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
AFCG's Operating Margin has been stable in the last couple of years.
The Gross Margin of AFCG (84.98%) is better than 95.59% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 62.2% | ||
| PM (TTM) | N/A | ||
| GM | 84.98% |
OM growth 3Y0.26%
OM growth 5YN/A
PM growth 3Y-13.06%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5YN/A
2. Health
2.1 Basic Checks
AFCG has more shares outstanding than it did 1 year ago.
The debt/assets ratio for AFCG is higher compared to a year ago.
2.2 Solvency
AFCG has an Altman-Z score of 0.37. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
AFCG has a better Altman-Z score (0.37) than 88.24% of its industry peers.
AFCG has a debt to FCF ratio of 9.42. This is a negative value and a sign of low solvency as AFCG would need 9.42 years to pay back of all of its debts.
The Debt to FCF ratio of AFCG (9.42) is better than 97.06% of its industry peers.
A Debt/Equity ratio of 0.54 indicates that AFCG is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.54, AFCG belongs to the top of the industry, outperforming 95.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.79, AFCG is in the better half of the industry, outperforming 66.18% of the companies in the same industry.
AFCG has a Quick Ratio of 0.79. This is a bad value and indicates that AFCG is not financially healthy enough and could expect problems in meeting its short term obligations.
AFCG has a better Quick ratio (0.79) than 66.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -57.14%.
AFCG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.79% yearly.
The Revenue for AFCG has decreased by -27.21% in the past year. This is quite bad
The Revenue has been growing slightly by 6.74% on average over the past years.
EPS 1Y (TTM)-57.14%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-54.29%
Revenue 1Y (TTM)-27.21%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-26.48%
3.2 Future
The Earnings Per Share is expected to grow by 9.93% on average over the next years. This is quite good.
AFCG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
EPS Next Y-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.86, the valuation of AFCG can be described as very cheap.
Based on the Price/Earnings ratio, AFCG is valued cheaper than 98.53% of the companies in the same industry.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (25.89), we can say AFCG is valued rather cheaply.
The Price/Forward Earnings ratio is 3.35, which indicates a rather cheap valuation of AFCG.
Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 100.00% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.86 | ||
| Fwd PE | 3.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued cheaply inside the industry as 88.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AFCG may justify a higher PE ratio.
A cheap valuation may be justified as AFCG's earnings are expected to decrease with -22.54% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
5. Dividend
5.1 Amount
AFCG has a Yearly Dividend Yield of 27.74%, which is a nice return.
The stock price of AFCG dropped by -22.72% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 13.26. AFCG pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, AFCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 27.74% |
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
5.3 Sustainability
The earnings of AFCG are negative and hence is the payout ratio. AFCG will probably not be able to sustain this dividend level.
DP-376.9%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
3.13
+0.03 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.66%
Inst Owner Change-1.84%
Ins Owners24.6%
Ins Owner Change18.97%
Market Cap70.71M
Revenue(TTM)45.56M
Net Income(TTM)-8.70M
Analysts75
Price Target6.63 (111.82%)
Short Float %10.52%
Short Ratio6.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 27.74% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-376.9%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.63%
Min EPS beat(2)-36.88%
Max EPS beat(2)-16.37%
EPS beat(4)0
Avg EPS beat(4)-19.48%
Min EPS beat(4)-36.88%
Max EPS beat(4)-3.34%
EPS beat(8)1
Avg EPS beat(8)-10.29%
EPS beat(12)2
Avg EPS beat(12)-8.53%
EPS beat(16)5
Avg EPS beat(16)-5.32%
Revenue beat(2)0
Avg Revenue beat(2)-22.06%
Min Revenue beat(2)-23.78%
Max Revenue beat(2)-20.34%
Revenue beat(4)0
Avg Revenue beat(4)-26.6%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)-20.34%
Revenue beat(8)1
Avg Revenue beat(8)-14.88%
Revenue beat(12)2
Avg Revenue beat(12)-11.32%
Revenue beat(16)5
Avg Revenue beat(16)-7.3%
PT rev (1m)-20%
PT rev (3m)-25.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-15.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-27.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-28.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.86 | ||
| Fwd PE | 3.35 | ||
| P/S | 2.41 | ||
| P/FCF | 6.7 | ||
| P/OCF | 6.7 | ||
| P/B | 0.38 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY25.88%
EPS(NY)0.93
Fwd EY29.82%
FCF(TTM)0.47
FCFY14.92%
OCF(TTM)0.47
OCFY14.92%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -4.71% | ||
| ROCE | 6.43% | ||
| ROIC | 5.08% | ||
| ROICexc | 5.14% | ||
| ROICexgc | 5.14% | ||
| OM | 62.2% | ||
| PM (TTM) | N/A | ||
| GM | 84.98% | ||
| FCFM | 35.92% |
ROA(3y)5.2%
ROA(5y)4.94%
ROE(3y)8.49%
ROE(5y)7.57%
ROIC(3y)8.33%
ROIC(5y)6.54%
ROICexc(3y)12.36%
ROICexc(5y)9.43%
ROICexgc(3y)12.36%
ROICexgc(5y)9.43%
ROCE(3y)10.55%
ROCE(5y)8.28%
ROICexgc growth 3Y19.71%
ROICexgc growth 5YN/A
ROICexc growth 3Y19.71%
ROICexc growth 5YN/A
OM growth 3Y0.26%
OM growth 5YN/A
PM growth 3Y-13.06%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5YN/A
F-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.16 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 | ||
| Altman-Z | 0.37 |
F-Score3
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)105.64%
Profit Quality(5y)79.53%
High Growth Momentum
Growth
EPS 1Y (TTM)-57.14%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-54.29%
EPS Next Y-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-27.21%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-26.48%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
EBIT growth 1Y-54.71%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-58.83%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y-58.83%
OCF growth 3Y31.23%
OCF growth 5YN/A
ADVANCED FLOWER CAPITAL INC / AFCG FAQ
What is the ChartMill fundamental rating of ADVANCED FLOWER CAPITAL INC (AFCG) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AFCG.
What is the valuation status for AFCG stock?
ChartMill assigns a valuation rating of 7 / 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 6 / 10.
Can you provide the expected EPS growth for AFCG stock?
The Earnings per Share (EPS) of ADVANCED FLOWER CAPITAL INC (AFCG) is expected to decline by -50.74% in the next year.
Can you provide the dividend sustainability for AFCG stock?
The dividend rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10 and the dividend payout ratio is -376.9%.