ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis

NASDAQ:AFCG • US00109K1051

2.41 USD
+0.08 (+3.43%)
Last: Feb 25, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, AFCG scores 5 out of 10 in our fundamental rating. AFCG was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an average financial health and profitability rating. AFCG is cheap, but on the other hand it scores bad on growth. These ratings could make AFCG a good candidate for value investing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • AFCG had positive earnings in the past year.
  • AFCG had a positive operating cash flow in the past year.
  • Each year in the past 5 years AFCG has been profitable.
  • Each year in the past 5 years AFCG had a positive operating cash flow.
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

  • AFCG has a worse Return On Assets (-7.82%) than 89.86% of its industry peers.
  • AFCG has a Return On Equity of -13.33%. This is amonst the worse of the industry: AFCG underperforms 82.61% of its industry peers.
  • The Return On Invested Capital of AFCG (4.39%) is better than 95.65% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AFCG is significantly above the industry average of 1.30%.
Industry RankSector 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%
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 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 95.65% 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.
  • The Gross Margin of AFCG (84.66%) is better than 95.65% of its industry peers.
  • AFCG's Gross Margin has been stable in the last couple of years.
Industry RankSector 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
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • AFCG has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, AFCG has a worse debt to assets ratio.
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 0.29, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.29, AFCG belongs to the top of the industry, outperforming 89.86% of the companies in the same industry.
  • 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 97.10% of its industry peers.
  • A Debt/Equity ratio of 0.66 indicates that AFCG is somewhat dependend on debt financing.
  • AFCG has a Debt to Equity ratio of 0.66. This is amongst the best in the industry. AFCG outperforms 94.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 7.92
Altman-Z 0.29
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

  • 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.
  • AFCG has a better Current ratio (5.82) than 97.10% 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.
  • AFCG's Quick ratio of 5.82 is amongst the best of the industry. AFCG outperforms 97.10% of its industry peers.
Industry RankSector Rank
Current Ratio 5.82
Quick Ratio 5.82
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for AFCG have decreased strongly by -57.14% in the last year.
  • 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.
  • Looking at the last year, AFCG shows a very negative growth in Revenue. The Revenue has decreased by -53.27% in the last year.
  • The Revenue has been growing slightly by 6.74% on average over the past years.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.95% yearly.
  • 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-36.73%
EPS Next 3Y-24.79%
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

  • 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 stable: in the next years the growth will be about the same 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 2031 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 2031 1 2 3

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.98, the valuation of AFCG can be described as very cheap.
  • AFCG's Price/Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 100.00% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (27.05), we can say AFCG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 3.56, the valuation of AFCG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 100.00% of the companies in the same industry.
  • AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.98
Fwd PE 3.56
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

  • AFCG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFCG is cheaper than 97.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.88
EV/EBITDA N/A
AFCG Per share dataAFCG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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 -24.79% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-36.73%
EPS Next 3Y-24.79%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 38.91%, AFCG is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 11.25, 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 1.80, AFCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 38.91%

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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-102.65%
EPS Next 2Y-36.73%
EPS Next 3Y-24.79%
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

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Find the best dividend stocksShow peers with best dividend

ADVANCED FLOWER CAPITAL INC

NASDAQ:AFCG (2/25/2026, 8:00:01 PM)

2.41

+0.08 (+3.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-12
Earnings (Next)03-04
Inst Owners24.28%
Inst Owner Change9.37%
Ins Owners29.56%
Ins Owner Change29.23%
Market Cap54.44M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts76
Price Target5.1 (111.62%)
Short Float %12.08%
Short Ratio5.08
Dividend
Industry RankSector Rank
Dividend Yield 38.91%
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)-14.29%
PT rev (3m)-24.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-80.67%
EPS NY rev (1m)0%
EPS NY rev (3m)-41.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.3%
Valuation
Industry RankSector Rank
PE 2.98
Fwd PE 3.56
P/S 2.02
P/FCF 3.88
P/OCF 3.88
P/B 0.32
P/tB 0.32
EV/EBITDA N/A
EPS(TTM)0.81
EY33.61%
EPS(NY)0.68
Fwd EY28.07%
FCF(TTM)0.62
FCFY25.75%
OCF(TTM)0.62
OCFY25.75%
SpS1.2
BVpS7.5
TBVpS7.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number11.69
Profitability
Industry RankSector 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 RankSector 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 0.29
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-36.73%
EPS Next 3Y-24.79%
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%.