ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
4.55 USD
-0.1 (-2.15%)
4.6275 USD
+0.08 (+1.7%)
Taking everything into account, AFCG scores 5 out of 10 in our fundamental rating. AFCG was compared to 62 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 not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AFCG was profitable.
AFCG had a positive operating cash flow in the past year.
In the past 5 years AFCG has always 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 in the lower half of the industry: AFCG underperforms 79.03% of its industry peers.
With a Return On Equity value of -4.71%, AFCG is not doing good in the industry: 69.35% of the companies in the same industry are doing better.
AFCG has a Return On Invested Capital of 5.08%. This is amongst the best in the industry. AFCG outperforms 96.77% 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 1.39%.
| 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 96.77% 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.
Looking at the Gross Margin, with a value of 84.98%, AFCG belongs to the top of the industry, outperforming 93.55% of the companies in the same industry.
AFCG's Gross Margin has been stable in the last couple of years.
| 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
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 0.56, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.56, AFCG belongs to the best of the industry, outperforming 87.10% of the companies in the same industry.
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.
AFCG's Debt to FCF ratio of 9.42 is amongst the best of the industry. AFCG outperforms 96.77% of its industry peers.
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 95.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.56 |
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's Current ratio of 0.79 is fine compared to the rest of the industry. AFCG outperforms 62.90% of its industry peers.
A Quick Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.79, AFCG is in the better half of the industry, outperforming 62.90% of the companies in the same industry.
| 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 -50.74%.
The Earnings Per Share has been decreasing by -2.79% on average over the past years.
Looking at the last year, AFCG shows a very negative growth in Revenue. The Revenue has decreased by -53.37% in the last year.
Measured over the past years, AFCG shows a small growth in Revenue. The Revenue has been growing by 6.74% on average per year.
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
The Earnings Per Share is expected to grow by 9.93% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
EPS Next Y-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue Next Year-50.63%
Revenue Next 2Y-24.6%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 4.55, which indicates a rather cheap valuation of AFCG.
96.77% of the companies in the same industry are more expensive than AFCG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.20, AFCG is valued rather cheaply.
The Price/Forward Earnings ratio is 4.05, which indicates a rather cheap valuation of AFCG.
96.77% of the companies in the same industry are more expensive than AFCG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AFCG to the average of the S&P500 Index (22.71), we can say AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.55 | ||
| Fwd PE | 4.05 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFCG indicates a somewhat cheap valuation: AFCG is cheaper than 70.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.75 | ||
| 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 -7.77% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 22.81%, AFCG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.50, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.81% |
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-18.49%
EPS Next 3Y-7.77%
4.55
-0.1 (-2.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners31.2%
Inst Owner Change-3.78%
Ins Owners20.04%
Ins Owner Change20.35%
Market Cap102.78M
Analysts73.85
Price Target8.29 (82.2%)
Short Float %8.5%
Short Ratio5.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.81% |
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)-7.25%
PT rev (3m)-10.32%
EPS NQ rev (1m)-16.06%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)-5.55%
EPS NY rev (3m)-11.75%
Revenue NQ rev (1m)-25.88%
Revenue NQ rev (3m)-23.68%
Revenue NY rev (1m)-27.8%
Revenue NY rev (3m)-21.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.55 | ||
| Fwd PE | 4.05 | ||
| P/S | 3.5 | ||
| P/FCF | 9.75 | ||
| P/OCF | 9.75 | ||
| P/B | 0.56 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY21.98%
EPS(NY)1.12
Fwd EY24.68%
FCF(TTM)0.47
FCFY10.26%
OCF(TTM)0.47
OCFY10.26%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
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%
ROICexcg growth 3Y19.71%
ROICexcg 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 | 0.56 |
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-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
Revenue Next Year-50.63%
Revenue Next 2Y-24.6%
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