ADVANCED FLOWER CAPITAL INC (AFCG) Fundamental Analysis & Valuation

NASDAQ:AFCG • US00109K1051

Current stock price

2.82 USD
+0.18 (+6.82%)
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.
  • AFCG had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years AFCG had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of -7.59%, AFCG is doing worse than 82.92% of the companies in the same industry.
  • AFCG's Return On Equity of -11.92% is on the low side compared to the rest of the industry. AFCG is outperformed by 76.67% of its industry peers.
  • The Return On Invested Capital of AFCG (2.57%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for AFCG is below the industry average of 7.25%.
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

  • AFCG has a better Operating Margin (36.14%) than 67.50% of its industry peers.
  • AFCG's Operating Margin has declined in the last couple of years.
  • AFCG has a better Gross Margin (88.08%) than 92.50% 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

  • Compared to 1 year ago, AFCG has more shares outstanding
  • 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.
  • AFCG's Altman-Z score of 0.31 is on the low side compared to the rest of the industry. AFCG is outperformed by 65.83% of its industry peers.
  • 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 60.83% 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 64.58% 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.
  • AFCG has a Current ratio of 15.62. This is amongst the best in the industry. AFCG outperforms 96.67% of its industry peers.
  • A Quick Ratio of 15.62 indicates that AFCG has no problem at all paying its short term obligations.
  • The Quick ratio of AFCG (15.62) is better than 96.67% of its industry peers.
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 Year16.1%
Revenue Next 2Y16%
Revenue Next 3Y32.81%
Revenue Next 5Y32.4%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

  • With a Price/Earnings ratio of 7.05, the valuation of AFCG can be described as very cheap.
  • 82.08% of the companies in the same industry are more expensive than AFCG, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.35. AFCG is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 4.17, the valuation of AFCG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFCG is valued cheaply inside the industry as 94.17% of the companies are valued more expensively.
  • AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.61, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.05
Fwd PE 4.17
AFCG Price Earnings VS Forward Price EarningsAFCG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 83.33% of the companies in the same industry are more expensive than AFCG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.91
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

  • AFCG's 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 17.96%, which is a nice return.
  • AFCG's Dividend Yield is rather good when compared to the industry average which is at 6.85. AFCG pays more dividend than 90.00% of the companies in the same industry.
  • AFCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 17.96%

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 (3/31/2026, 8:18:38 PM)

2.82

+0.18 (+6.82%)

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 Change22.86%
Market Cap66.35M
Revenue(TTM)24.56M
Net Income(TTM)-20.93M
Analysts76
Price Target6.38 (126.24%)
Short Float %11.35%
Short Ratio6.8
Dividend
Industry RankSector Rank
Dividend Yield 17.96%
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)-281.38%
Min EPS beat(2)-541.12%
Max EPS beat(2)-21.65%
EPS beat(4)0
Avg EPS beat(4)-154%
Min EPS beat(4)-541.12%
Max EPS beat(4)-16.37%
EPS beat(8)1
Avg EPS beat(8)-79.99%
EPS beat(12)1
Avg EPS beat(12)-54.8%
EPS beat(16)4
Avg EPS beat(16)-40.27%
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)25%
PT rev (3m)7.14%
EPS NQ rev (1m)-6.06%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)1.27%
Revenue NQ rev (1m)20.78%
Revenue NQ rev (3m)24.88%
Revenue NY rev (1m)12.79%
Revenue NY rev (3m)12.79%
Valuation
Industry RankSector Rank
PE 7.05
Fwd PE 4.17
P/S 2.7
P/FCF 5.91
P/OCF 5.91
P/B 0.38
P/tB 0.38
EV/EBITDA N/A
EPS(TTM)0.4
EY14.18%
EPS(NY)0.68
Fwd EY23.99%
FCF(TTM)0.48
FCFY16.93%
OCF(TTM)0.48
OCFY16.93%
SpS1.04
BVpS7.46
TBVpS7.46
PEG (NY)0.1
PEG (5Y)N/A
Graham Number8.19
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 Year16.1%
Revenue Next 2Y16%
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.


What is the valuation status of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

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


Can you provide the profitability details for ADVANCED FLOWER CAPITAL INC?

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


Can you provide the financial health for AFCG stock?

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


What is the earnings growth outlook for ADVANCED FLOWER CAPITAL INC?

The Earnings per Share (EPS) of ADVANCED FLOWER CAPITAL INC (AFCG) is expected to grow by 69.15% in the next year.