ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
2.5442 USD
-0.2 (-7.15%)
AFCG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an average financial health and profitability rating. AFCG may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make AFCG suitable for value investing!
1. Profitability
1.1 Basic Checks
AFCG had positive earnings in the past year.
In the past year AFCG had a positive cash flow from operations.
Each year in the past 5 years AFCG has been profitable.
Each year in the past 5 years AFCG had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -7.82%, AFCG is doing worse than 91.18% of the companies in the same industry.
Looking at the Return On Equity, with a value of -13.33%, AFCG is doing worse than 79.41% of the companies in the same industry.
The Return On Invested Capital of AFCG (4.39%) is better than 95.59% 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 1.23%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.82% | ||
| ROE | -13.33% | ||
| ROIC | 4.39% |
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
AFCG's Profit Margin has declined in the last couple of years.
The Operating Margin of AFCG (57.67%) is better than 95.59% of its industry peers.
In the last couple of years the Operating Margin of AFCG has remained more or less at the same level.
AFCG has a Gross Margin of 84.66%. This is amongst the best in the industry. AFCG outperforms 95.59% of its industry peers.
AFCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 57.67% | ||
| PM (TTM) | N/A | ||
| GM | 84.66% |
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
The number of shares outstanding for AFCG has been increased compared to 1 year ago.
AFCG has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.34, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
AFCG has a better Altman-Z score (0.34) than 88.24% of its industry peers.
AFCG has a debt to FCF ratio of 7.92. This is a slightly negative value and a sign of low solvency as AFCG would need 7.92 years to pay back of all of its debts.
AFCG has a better Debt to FCF ratio (7.92) than 97.06% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that AFCG is somewhat dependend on debt financing.
AFCG has a Debt to Equity ratio of 0.66. This is amongst the best in the industry. AFCG outperforms 95.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Altman-Z | 0.34 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.82, AFCG belongs to the top of the industry, outperforming 95.59% of the companies in the same industry.
A Quick Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
The Quick ratio of AFCG (5.82) is better than 95.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.82 | ||
| Quick Ratio | 5.82 |
3. Growth
3.1 Past
The earnings per share for AFCG have decreased strongly by -57.14% 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.
Looking at the last year, AFCG shows a very negative growth in Revenue. The Revenue has decreased by -53.27% in the last year.
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)-53.27%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-16.16%
3.2 Future
AFCG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.93% yearly.
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
A Price/Earnings ratio of 3.14 indicates a rather cheap valuation of AFCG.
Based on the Price/Earnings ratio, AFCG is valued cheaply inside the industry as 98.53% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (25.47), we can say AFCG is valued rather cheaply.
A Price/Forward Earnings ratio of 2.73 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.
The average S&P500 Price/Forward Earnings ratio is at 35.42. AFCG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.14 | ||
| Fwd PE | 2.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued cheaper than 92.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.1 | ||
| 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 30.50%, AFCG is a good candidate for dividend investing.
In the last 3 months the price of AFCG has falen by -33.33%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 12.03. 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.5% |
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-102.65%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
NASDAQ:AFCG (11/20/2025, 3:29:59 PM)
2.5442
-0.2 (-7.15%)
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-9.67%
Ins Owners24.6%
Ins Owner Change19%
Market Cap57.47M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts75
Price Target6.76 (165.7%)
Short Float %10.64%
Short Ratio8.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.5% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-102.65%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-29.27%
Min EPS beat(2)-36.88%
Max EPS beat(2)-21.65%
EPS beat(4)0
Avg EPS beat(4)-24.06%
Min EPS beat(4)-36.88%
Max EPS beat(4)-16.37%
EPS beat(8)1
Avg EPS beat(8)-12.77%
EPS beat(12)2
Avg EPS beat(12)-9.36%
EPS beat(16)4
Avg EPS beat(16)-6.74%
Revenue beat(2)1
Avg Revenue beat(2)-4.46%
Min Revenue beat(2)-23.78%
Max Revenue beat(2)14.87%
Revenue beat(4)1
Avg Revenue beat(4)-16.01%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)14.87%
Revenue beat(8)2
Avg Revenue beat(8)-11.01%
Revenue beat(12)3
Avg Revenue beat(12)-9.51%
Revenue beat(16)5
Avg Revenue beat(16)-6.69%
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 | 3.14 | ||
| Fwd PE | 2.73 | ||
| P/S | 2.13 | ||
| P/FCF | 4.1 | ||
| P/OCF | 4.1 | ||
| P/B | 0.34 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY31.84%
EPS(NY)0.93
Fwd EY36.68%
FCF(TTM)0.62
FCFY24.39%
OCF(TTM)0.62
OCFY24.39%
SpS1.2
BVpS7.5
TBVpS7.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number11.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.82% | ||
| ROE | -13.33% | ||
| ROCE | 5.55% | ||
| ROIC | 4.39% | ||
| ROICexc | 5.23% | ||
| ROICexgc | 5.23% | ||
| OM | 57.67% | ||
| PM (TTM) | N/A | ||
| GM | 84.66% | ||
| FCFM | 51.89% |
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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.63 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 5.82 | ||
| Quick Ratio | 5.82 | ||
| Altman-Z | 0.34 |
F-Score4
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)-53.27%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-16.16%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
EBIT growth 1Y-58.82%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.63%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y-25.63%
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 6 / 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 -102.65%.