ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
3.12 USD
+0.04 (+1.3%)
3.12 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to AFCG. AFCG was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has only an average score on both its financial health and profitability. AFCG is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year AFCG was profitable.
In the past year AFCG had a positive cash flow from operations.
In the past 5 years AFCG has always been profitable.
AFCG had a positive operating cash flow in each of the past 5 years.
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.
The Return On Equity of AFCG (-4.71%) is worse than 73.53% of its industry peers.
The Return On Invested Capital of AFCG (5.08%) is better 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 1.18%.
| 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.
Looking at the Operating Margin, with a value of 62.20%, AFCG belongs to the top of the industry, outperforming 97.06% of the companies in the same industry.
In the last couple of years the Operating Margin of AFCG has remained more or less at the same level.
AFCG has a better Gross Margin (84.98%) 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
Compared to 1 year ago, AFCG has more shares outstanding
Compared to 1 year ago, AFCG has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of AFCG (0.37) is better than 86.76% of its industry peers.
The Debt to FCF ratio of AFCG is 9.42, which is on the high side as it means it would take AFCG, 9.42 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 9.42, AFCG belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
A Debt/Equity ratio of 0.54 indicates that AFCG is somewhat dependend on debt financing.
The Debt to Equity ratio of AFCG (0.54) is better than 95.59% of its industry peers.
| 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.
AFCG has a Current ratio of 0.79. This is in the better half of the industry: AFCG outperforms 64.71% of its industry peers.
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 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
The earnings per share for AFCG have decreased strongly by -50.74% in the last year.
Measured over the past years, AFCG shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.79% on average per year.
The Revenue for AFCG has decreased by -53.37% 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)-50.74%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-73.21%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
3.2 Future
Based on estimates for the next years, AFCG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.93% on average per year.
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.12, the valuation of AFCG can be described as very cheap.
AFCG's Price/Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 100.00% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.34.
100.00% of the companies in the same industry are more expensive than AFCG, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 32.68. AFCG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.12 | ||
| Fwd PE | 3.34 |
4.2 Price Multiples
88.24% of the companies in the same industry are more expensive than AFCG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AFCG has a very decent profitability rating, which 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
With a Yearly Dividend Yield of 26.88%, AFCG is a good candidate for dividend investing.
The stock price of AFCG dropped by -30.20% 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 13.24. AFCG pays more dividend than 100.00% of the companies in the same industry.
AFCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 26.88% |
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
AFCG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-376.9%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
3.12
+0.04 (+1.3%)
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-1.01%
Ins Owners24.6%
Ins Owner Change18.97%
Market Cap70.48M
Revenue(TTM)29.37M
Net Income(TTM)-8.70M
Analysts75
Price Target6.63 (112.5%)
Short Float %10.52%
Short Ratio6.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 26.88% |
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 | 3.12 | ||
| Fwd PE | 3.34 | ||
| P/S | 2.4 | ||
| P/FCF | 6.68 | ||
| P/OCF | 6.68 | ||
| P/B | 0.38 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY32.05%
EPS(NY)0.93
Fwd EY29.91%
FCF(TTM)0.47
FCFY14.96%
OCF(TTM)0.47
OCFY14.96%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number13.56
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)-50.74%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-73.21%
EPS Next Y-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
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%.