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ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis

NASDAQ:AFCG - Nasdaq - US00109K1051 - REIT - Currency: USD

4.56  +0.03 (+0.66%)

Fundamental Rating

6

Taking everything into account, AFCG scores 6 out of 10 in our fundamental rating. AFCG was compared to 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an excellent profitability rating, but there are some minor concerns on its financial health. AFCG is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

8

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.
AFCG had a positive operating cash flow in each of the past 5 years.
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 10M 20M 30M 40M 50M

1.2 Ratios

The Return On Assets of AFCG (6.50%) is better than 96.97% of its industry peers.
The Return On Equity of AFCG (10.41%) is better than 95.45% of its industry peers.
AFCG's Return On Invested Capital of 7.26% is amongst the best of the industry. AFCG outperforms 96.97% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AFCG is significantly above the industry average of 1.42%.
Industry RankSector Rank
ROA 6.5%
ROE 10.41%
ROIC 7.26%
ROA(3y)5.2%
ROA(5y)4.94%
ROE(3y)8.49%
ROE(5y)7.57%
ROIC(3y)8.33%
ROIC(5y)6.54%
AFCG Yearly ROA, ROE, ROICAFCG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

AFCG's Profit Margin of 50.32% is amongst the best of the industry. AFCG outperforms 93.94% of its industry peers.
In the last couple of years the Profit Margin of AFCG has declined.
AFCG has a better Operating Margin (64.08%) than 96.97% 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 81.43%. This is amongst the best in the industry. AFCG outperforms 93.94% of its industry peers.
AFCG's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 64.08%
PM (TTM) 50.32%
GM 81.43%
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
AFCG Yearly Profit, Operating, Gross MarginsAFCG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 20 40 60 80

4

2. Health

2.1 Basic Checks

The number of shares outstanding for AFCG has been increased compared to 1 year ago.
The debt/assets ratio for AFCG is higher compared to a year ago.
AFCG Yearly Shares OutstandingAFCG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 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 100M 200M 300M 400M 500M

2.2 Solvency

Based on the Altman-Z score of 0.62, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.62, AFCG belongs to the best of the industry, outperforming 87.88% of the companies in the same industry.
AFCG has a debt to FCF ratio of 4.65. This is a neutral value as AFCG would need 4.65 years to pay back of all of its debts.
AFCG has a Debt to FCF ratio of 4.65. This is amongst the best in the industry. AFCG outperforms 96.97% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that AFCG is not too dependend on debt financing.
AFCG has a better Debt to Equity ratio (0.44) than 96.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.65
Altman-Z 0.62
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 100M 200M 300M

2.3 Liquidity

A Current Ratio of 0.46 indicates that AFCG may have some problems paying its short term obligations.
AFCG has a better Current ratio (0.46) than 65.15% of its industry peers.
AFCG has a Quick Ratio of 0.46. This is a bad value and indicates that AFCG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.46, AFCG is in the better half of the industry, outperforming 65.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.46
Quick Ratio 0.46
AFCG Yearly Current Assets VS Current LiabilitesAFCG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 50M 100M

4

3. Growth

3.1 Past

AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.06%.
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 -31.55% in the past year. This is quite bad
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)-28.06%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-57.14%
Revenue 1Y (TTM)-31.55%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-42.69%

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-42.01%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
EPS Next 5Y9.93%
Revenue Next Year-36.96%
Revenue Next 2Y-13.77%
Revenue Next 3Y6.54%
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.
AFCG Yearly Revenue VS EstimatesAFCG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 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 1 2 3

7

4. Valuation

4.1 Price/Earnings Ratio

AFCG is valuated cheaply with a Price/Earnings ratio of 3.23.
98.48% of the companies in the same industry are more expensive than AFCG, based on the Price/Earnings ratio.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 3.80 indicates a rather cheap valuation of AFCG.
Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 98.48% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.19. AFCG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.23
Fwd PE 3.8
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

Based on the Price/Free Cash Flow ratio, AFCG is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.39
EV/EBITDA N/A
AFCG Per share dataAFCG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

The excellent profitability rating of AFCG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.79%
EPS Next 3Y3.37%

5

5. Dividend

5.1 Amount

AFCG has a Yearly Dividend Yield of 22.76%, which is a nice return.
Compared to an average industry Dividend Yield of 11.56, AFCG pays a better dividend. On top of this AFCG pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, AFCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 22.76%

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 0.5 1 1.5 2

5.3 Sustainability

AFCG pays out 179.56% of its income as dividend. This is not a sustainable payout ratio.
DP179.56%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
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 10M 20M 30M 40M
AFCG Dividend Payout.AFCG Dividend Payout, showing the Payout Ratio.AFCG Dividend Payout.PayoutRetained Earnings

ADVANCED FLOWER CAPITAL INC

NASDAQ:AFCG (7/14/2025, 3:37:34 PM)

4.56

+0.03 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-14 2025-05-14/bmo
Earnings (Next)08-14 2025-08-14/bmo
Inst Owners29.79%
Inst Owner Change0%
Ins Owners20.04%
Ins Owner Change8.14%
Market Cap103.06M
Analysts76.92
Price Target8.94 (96.05%)
Short Float %5.69%
Short Ratio5.71
Dividend
Industry RankSector Rank
Dividend Yield 22.76%
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP179.56%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-30 2025-06-30 (0.15)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.85%
Min EPS beat(2)-21.34%
Max EPS beat(2)-16.37%
EPS beat(4)1
Avg EPS beat(4)-8.62%
Min EPS beat(4)-21.34%
Max EPS beat(4)6.55%
EPS beat(8)1
Avg EPS beat(8)-6.95%
EPS beat(12)3
Avg EPS beat(12)-4.32%
EPS beat(16)5
Avg EPS beat(16)-3.8%
Revenue beat(2)1
Avg Revenue beat(2)-13.08%
Min Revenue beat(2)-34.78%
Max Revenue beat(2)8.62%
Revenue beat(4)2
Avg Revenue beat(4)-9.79%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)14.48%
Revenue beat(8)2
Avg Revenue beat(8)-9.25%
Revenue beat(12)4
Avg Revenue beat(12)-5.89%
Revenue beat(16)7
Avg Revenue beat(16)-3.99%
PT rev (1m)-3.31%
PT rev (3m)-9.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.29%
EPS NY rev (1m)-6.56%
EPS NY rev (3m)-8.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.46%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)3.25%
Valuation
Industry RankSector Rank
PE 3.23
Fwd PE 3.8
P/S 2.48
P/FCF 5.39
P/OCF 5.39
P/B 0.51
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)1.41
EY30.92%
EPS(NY)1.2
Fwd EY26.28%
FCF(TTM)0.85
FCFY18.54%
OCF(TTM)0.85
OCFY18.54%
SpS1.84
BVpS8.88
TBVpS8.88
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.5%
ROE 10.41%
ROCE 9.19%
ROIC 7.26%
ROICexc 7.34%
ROICexgc 7.34%
OM 64.08%
PM (TTM) 50.32%
GM 81.43%
FCFM 45.99%
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-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.65
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.92
Cash Conversion N/A
Profit Quality 91.39%
Current Ratio 0.46
Quick Ratio 0.46
Altman-Z 0.62
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)105.64%
Profit Quality(5y)79.53%
High Growth Momentum
Growth
EPS 1Y (TTM)-28.06%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-57.14%
EPS Next Y-42.01%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-31.55%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-42.69%
Revenue Next Year-36.96%
Revenue Next 2Y-13.77%
Revenue Next 3Y6.54%
Revenue Next 5Y11.81%
EBIT growth 1Y-32.65%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.43%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y-38.43%
OCF growth 3Y31.23%
OCF growth 5YN/A