ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
3.03 USD
+0.01 (+0.33%)
Taking everything into account, AFCG scores 6 out of 10 in our fundamental rating. 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFCG. With these ratings, AFCG could be worth investigating further 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.
In the past 5 years AFCG has always been profitable.
Each year in the past 5 years AFCG had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AFCG (-7.82%) is worse than 91.18% of its industry peers.
AFCG has a worse Return On Equity (-13.33%) than 79.41% of its industry peers.
AFCG has a Return On Invested Capital of 4.39%. This is amongst the best in the industry. AFCG outperforms 95.59% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AFCG is significantly above the industry average of 1.22%.
| 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.
Looking at the Operating Margin, with a value of 57.67%, AFCG belongs to the top of the industry, outperforming 95.59% of the companies in the same industry.
AFCG's Operating Margin has been stable in the last couple of years.
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.
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 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.
Looking at the Debt to Equity ratio, with a value of 0.66, AFCG belongs to the top of the industry, outperforming 95.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Altman-Z | 0.37 |
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.
AFCG has a Current ratio of 5.82. This is amongst the best in the industry. AFCG outperforms 95.59% of its industry peers.
AFCG has a Quick Ratio of 5.82. This indicates that AFCG is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.82 | ||
| Quick Ratio | 5.82 |
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.
AFCG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -53.27%.
AFCG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.74% yearly.
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.
Based on estimates for the next years, AFCG will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
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 3.74 indicates a rather cheap valuation of AFCG.
AFCG's Price/Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 98.53% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.56. AFCG is valued rather cheaply when compared to this.
AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.25.
100.00% of the companies in the same industry are more expensive than AFCG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.62, AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.74 | ||
| Fwd PE | 3.25 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 91.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AFCG may justify a higher PE ratio.
AFCG's earnings are expected to decrease with -22.54% in the coming years. This may justify a cheaper valuation.
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 27.48%, which is a nice return.
In the last 3 months the price of AFCG has falen by -26.52%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 11.97, AFCG pays a better dividend. On top of this AFCG pays more dividend than 100.00% of the companies listed 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 | 27.48% |
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-102.65%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
NASDAQ:AFCG (11/18/2025, 10:46:39 AM)
3.03
+0.01 (+0.33%)
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 Cap68.45M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts75
Price Target6.76 (123.1%)
Short Float %10.64%
Short Ratio8.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 27.48% |
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 | 3.74 | ||
| Fwd PE | 3.25 | ||
| P/S | 2.53 | ||
| P/FCF | 4.88 | ||
| P/OCF | 4.88 | ||
| P/B | 0.4 | ||
| P/tB | 0.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY26.73%
EPS(NY)0.93
Fwd EY30.8%
FCF(TTM)0.62
FCFY20.48%
OCF(TTM)0.62
OCFY20.48%
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 | 0.37 |
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%.