ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
3.38 USD
-0.04 (-1.17%)
AFCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and the financial health of AFCG get a neutral evaluation. Nothing too spectacular is happening here. AFCG may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year AFCG was profitable.
In the past year AFCG had a positive cash flow from operations.
In the past 5 years AFCG has always been profitable.
AFCG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AFCG's Return On Assets of -3.00% is on the low side compared to the rest of the industry. AFCG is outperformed by 81.82% of its industry peers.
Looking at the Return On Equity, with a value of -4.71%, AFCG is doing worse than 72.73% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.08%, AFCG belongs to the best of the industry, outperforming 96.97% of the companies in the same industry.
AFCG had an Average Return On Invested Capital over the past 3 years of 8.33%. This is significantly above the industry average of 1.28%.
| 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 96.97% of the companies in the same industry.
AFCG's Operating Margin has been stable in the last couple of years.
AFCG has a better Gross Margin (84.98%) than 93.94% of its industry peers.
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.
Compared to 1 year ago, AFCG has a worse debt to assets ratio.
2.2 Solvency
AFCG has an Altman-Z score of 0.41. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.41, AFCG belongs to the best of the industry, outperforming 89.39% 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 96.97% of its industry peers.
AFCG has a Debt/Equity ratio of 0.54. This is a neutral value indicating AFCG is somewhat dependend on debt financing.
AFCG's Debt to Equity ratio of 0.54 is amongst the best of the industry. AFCG outperforms 95.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.41 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AFCG has a Current Ratio of 0.79. This is a bad value and indicates that AFCG is not financially healthy enough and could expect problems in meeting its short term obligations.
AFCG's Current ratio of 0.79 is fine compared to the rest of the industry. AFCG outperforms 66.67% of its industry peers.
AFCG has a Quick Ratio of 0.79. 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 0.79, AFCG is in the better half of the industry, outperforming 66.67% 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%.
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 -53.37% in the past year. This is quite bad
The Revenue has been growing slightly by 6.74% on average over the past years.
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-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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.38, the valuation of AFCG can be described as very cheap.
Based on the Price/Earnings ratio, AFCG is valued cheaper than 98.48% of the companies in the same industry.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (26.83), we can say AFCG is valued rather cheaply.
With a Price/Forward Earnings ratio of 3.62, the valuation of AFCG can be described as very cheap.
98.48% 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 (22.82), we can say AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 3.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AFCG 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
AFCG has a Yearly Dividend Yield of 25.07%, which is a nice return.
The stock price of AFCG dropped by -25.00% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 12.94, 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 2.34, AFCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 25.07% |
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-25.69%
EPS Next 3Y-22.54%
NASDAQ:AFCG (10/24/2025, 2:21:56 PM)
3.38
-0.04 (-1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.66%
Inst Owner Change0.07%
Ins Owners24.6%
Ins Owner Change18.97%
Market Cap76.35M
Revenue(TTM)29.37M
Net Income(TTM)-8704800
Analysts75
Price Target8.29 (145.27%)
Short Float %10.43%
Short Ratio6.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 25.07% |
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)0%
PT rev (3m)-7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)-10.06%
EPS NY rev (3m)-15.05%
Revenue NQ rev (1m)-2.18%
Revenue NQ rev (3m)-25.35%
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)-22.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 3.62 | ||
| P/S | 2.6 | ||
| P/FCF | 7.24 | ||
| P/OCF | 7.24 | ||
| P/B | 0.41 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY29.59%
EPS(NY)0.93
Fwd EY27.61%
FCF(TTM)0.47
FCFY13.81%
OCF(TTM)0.47
OCFY13.81%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number13.56
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%
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-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 | 0.41 |
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-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
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
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 5 / 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 -376.9%.