2.43 USD
-0.19 (-7.25%)
2.49 USD
+0.06 (+2.47%)
We assign a fundamental rating of 5 out of 10 to AFCG. 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. AFCG has a bad growth rate and is valued cheaply. This makes AFCG very considerable 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.
- In the past 5 years AFCG always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of AFCG (-7.82%) is worse than 91.18% of its industry peers.
- With a Return On Equity value of -13.33%, AFCG is not doing good in the industry: 80.88% of the companies in the same industry are doing better.
- The Return On Invested Capital of AFCG (4.39%) is better than 95.59% 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 1.28%.
| 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)7.43%
ROIC(5y)5.99%
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.
- In the last couple of years the Gross Margin of AFCG has remained more or less at the same level.
| 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
- Compared to 1 year ago, AFCG has more shares outstanding
- Compared to 1 year ago, AFCG has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.30, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 0.30, AFCG belongs to the best of the industry, outperforming 86.76% of the companies in the same industry.
- The Debt to FCF ratio of AFCG is 7.92, which is on the high side as it means it would take AFCG, 7.92 years of fcf income to pay off all of its debts.
- AFCG's Debt to FCF ratio of 7.92 is amongst the best of the industry. AFCG outperforms 97.06% of its industry peers.
- A Debt/Equity ratio of 0.66 indicates that AFCG is somewhat dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.66, AFCG belongs to the best 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 | 0.3 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- AFCG has a Current Ratio of 5.82. This indicates that AFCG is financially healthy and has no problem in meeting 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.
- 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.
- AFCG has a better Quick ratio (5.82) 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.
- The Earnings Per Share has been decreasing by -2.79% on average over the past years.
- The Revenue for AFCG has decreased by -53.27% 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)-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
- The Earnings Per Share is expected to grow by 4.95% on average over the next years.
- Based on estimates for the next years, AFCG will show a small growth in Revenue. The Revenue will grow by 7.33% on average per year.
EPS Next Y-71.33%
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
EPS Next 5Y4.95%
Revenue Next Year-53.46%
Revenue Next 2Y-31.04%
Revenue Next 3Y-18.8%
Revenue Next 5Y7.33%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 3.00 indicates a rather cheap valuation of AFCG.
- Compared to the rest of the industry, the Price/Earnings ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 100.00% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, AFCG is valued rather cheaply.
- AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.64.
- AFCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3 | ||
| Fwd PE | 3.64 |
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 97.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.92 | ||
| 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 -23.91% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 30.39%, AFCG is a good candidate for dividend investing.
- In the last 3 months the price of AFCG has falen by -28.32%. 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 10.90, 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 1.91, AFCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.39% |
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-37.13%
EPS Next 3Y-23.91%
2.43
-0.19 (-7.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-12 2025-11-12/bmo
Earnings (Next)03-11 2026-03-11/bmo
Inst Owners24.28%
Inst Owner Change-0.05%
Ins Owners29.56%
Ins Owner Change32.56%
Market Cap54.89M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts76
Price Target5.95 (144.86%)
Short Float %13.4%
Short Ratio9.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.39% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-102.65%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-11.95%
PT rev (3m)-28.21%
EPS NQ rev (1m)-160%
EPS NQ rev (3m)-121.05%
EPS NY rev (1m)-19.49%
EPS NY rev (3m)-41.81%
Revenue NQ rev (1m)-8.68%
Revenue NQ rev (3m)-21.34%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-5.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3 | ||
| Fwd PE | 3.64 | ||
| P/S | 2.03 | ||
| P/FCF | 3.92 | ||
| P/OCF | 3.92 | ||
| P/B | 0.32 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY33.33%
EPS(NY)0.67
Fwd EY27.49%
FCF(TTM)0.62
FCFY25.54%
OCF(TTM)0.62
OCFY25.54%
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)7.43%
ROIC(5y)5.99%
ROICexc(3y)10.48%
ROICexc(5y)8.3%
ROICexgc(3y)10.48%
ROICexgc(5y)8.3%
ROCE(3y)9.4%
ROCE(5y)7.59%
ROICexgc growth 3Y3.75%
ROICexgc growth 5YN/A
ROICexc growth 3Y3.75%
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 | 0.3 |
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-71.33%
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
EPS Next 5Y4.95%
Revenue 1Y (TTM)-53.27%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-16.16%
Revenue Next Year-53.46%
Revenue Next 2Y-31.04%
Revenue Next 3Y-18.8%
Revenue Next 5Y7.33%
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 5 / 10 to AFCG.
Can you provide the valuation status for ADVANCED FLOWER CAPITAL INC?
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.
What is the financial health of ADVANCED FLOWER CAPITAL INC (AFCG) stock?
The financial health rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 6 / 10.
How sustainable is the dividend of ADVANCED FLOWER CAPITAL INC (AFCG) stock?
The dividend rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10 and the dividend payout ratio is -102.65%.