ADVANCED FLOWER CAPITAL INC (AFCG) Fundamental Analysis & Valuation

NASDAQ:AFCG • US00109K1051

Current stock price

2.72 USD
-0.05 (-1.81%)
Last:

This AFCG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AFCG Profitability Analysis

1.1 Basic Checks

  • AFCG had positive earnings in the past year.
  • AFCG had a positive operating cash flow in the past year.
  • Of the past 5 years AFCG 4 years were 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 2025 0 20M -20M 40M

1.2 Ratios

  • The Return On Assets of AFCG (-7.59%) is worse than 82.92% of its industry peers.
  • AFCG has a worse Return On Equity (-11.92%) than 76.67% of its industry peers.
  • AFCG has a Return On Invested Capital (2.57%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for AFCG is below the industry average of 7.25%.
Industry RankSector Rank
ROA -7.59%
ROE -11.92%
ROIC 2.57%
ROA(3y)0.31%
ROA(5y)2.47%
ROE(3y)0.89%
ROE(5y)4.19%
ROIC(3y)5.17%
ROIC(5y)5.95%
AFCG Yearly ROA, ROE, ROICAFCG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With a decent Operating Margin value of 36.14%, AFCG is doing good in the industry, outperforming 67.50% of the companies in the same industry.
  • AFCG's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 88.08%, AFCG belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AFCG has remained more or less at the same level.
Industry RankSector Rank
OM 36.14%
PM (TTM) N/A
GM 88.08%
OM growth 3Y-19.33%
OM growth 5Y-8.87%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y-1.16%
AFCG Yearly Profit, Operating, Gross MarginsAFCG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. AFCG Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, AFCG has more shares outstanding
  • The number of shares outstanding for AFCG has been increased compared to 5 years ago.
  • Compared to 1 year ago, AFCG has an improved debt to assets ratio.
AFCG Yearly Shares OutstandingAFCG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • AFCG has an Altman-Z score of 0.33. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of AFCG (0.33) is worse than 65.42% of its industry peers.
  • The Debt to FCF ratio of AFCG is 8.66, which is on the high side as it means it would take AFCG, 8.66 years of fcf income to pay off all of its debts.
  • AFCG has a better Debt to FCF ratio (8.66) than 60.83% of its industry peers.
  • AFCG has a Debt/Equity ratio of 0.55. This is a neutral value indicating AFCG is somewhat dependend on debt financing.
  • The Debt to Equity ratio of AFCG (0.55) is better than 64.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 8.66
Altman-Z 0.33
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 2025 100M 200M 300M

2.3 Liquidity

  • AFCG has a Current Ratio of 15.62. This indicates that AFCG is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of AFCG (15.62) is better than 96.67% of its industry peers.
  • AFCG has a Quick Ratio of 15.62. This indicates that AFCG is financially healthy and has no problem in meeting its short term obligations.
  • AFCG has a Quick ratio of 15.62. This is amongst the best in the industry. AFCG outperforms 96.67% of its industry peers.
Industry RankSector Rank
Current Ratio 15.62
Quick Ratio 15.62
AFCG Yearly Current Assets VS Current LiabilitesAFCG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 50M 100M

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

6

3. AFCG Growth Analysis

3.1 Past

  • The earnings per share for AFCG have decreased strongly by -76.33% in the last year.
  • The earnings per share for AFCG have been decreasing by -45.86% on average. This is quite bad
  • Looking at the last year, AFCG shows a very negative growth in Revenue. The Revenue has decreased by -50.44% in the last year.
  • AFCG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.41% yearly.
EPS 1Y (TTM)-76.33%
EPS 3Y-45.86%
EPS 5YN/A
EPS Q2Q%-141.38%
Revenue 1Y (TTM)-50.44%
Revenue growth 3Y-31.11%
Revenue growth 5Y34.41%
Sales Q2Q%-32.09%

3.2 Future

  • AFCG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.37% yearly.
  • AFCG is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 32.40% yearly.
EPS Next Y69.15%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
EPS Next 5Y48.37%
Revenue Next Year16.1%
Revenue Next 2Y16%
Revenue Next 3Y32.81%
Revenue Next 5Y32.4%

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.
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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8

4. AFCG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.80 indicates a rather cheap valuation of AFCG.
  • 80.42% 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 25.51, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 4.02 indicates a rather cheap valuation of AFCG.
  • Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 94.17% of the companies in the same industry.
  • AFCG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.76.
Industry RankSector Rank
PE 6.8
Fwd PE 4.02
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 cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.7
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AFCG's earnings are expected to grow with 58.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y34.08%
EPS Next 3Y58.45%

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

5

5. AFCG Dividend Analysis

5.1 Amount

  • AFCG has a Yearly Dividend Yield of 17.96%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.85, AFCG pays a better dividend. On top of this AFCG pays more dividend than 90.00% 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 1.89.
Industry RankSector Rank
Dividend Yield 17.96%

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 2026 0.5 1 1.5 2

5.3 Sustainability

  • The earnings of AFCG are negative and hence is the payout ratio. AFCG will probably not be able to sustain this dividend level.
DP-92.44%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
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 2025 0 20M -20M 40M

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AFCG Fundamentals: All Metrics, Ratios and Statistics

ADVANCED FLOWER CAPITAL INC

NASDAQ:AFCG (4/2/2026, 11:45:14 AM)

2.72

-0.05 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-04
Earnings (Next)05-12
Inst Owners26.39%
Inst Owner Change9.37%
Ins Owners29.56%
Ins Owner Change22.86%
Market Cap64.00M
Revenue(TTM)24.56M
Net Income(TTM)-20.93M
Analysts76
Price Target6.38 (134.56%)
Short Float %11.35%
Short Ratio6.8
Dividend
Industry RankSector Rank
Dividend Yield 17.96%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP-92.44%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-281.38%
Min EPS beat(2)-541.12%
Max EPS beat(2)-21.65%
EPS beat(4)0
Avg EPS beat(4)-154%
Min EPS beat(4)-541.12%
Max EPS beat(4)-16.37%
EPS beat(8)1
Avg EPS beat(8)-79.99%
EPS beat(12)1
Avg EPS beat(12)-54.8%
EPS beat(16)4
Avg EPS beat(16)-40.27%
Revenue beat(2)1
Avg Revenue beat(2)1.09%
Min Revenue beat(2)-12.69%
Max Revenue beat(2)14.87%
Revenue beat(4)1
Avg Revenue beat(4)-10.49%
Min Revenue beat(4)-23.78%
Max Revenue beat(4)14.87%
Revenue beat(8)2
Avg Revenue beat(8)-12.58%
Revenue beat(12)2
Avg Revenue beat(12)-11%
Revenue beat(16)5
Avg Revenue beat(16)-7.28%
PT rev (1m)25%
PT rev (3m)7.14%
EPS NQ rev (1m)-6.06%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)1.27%
Revenue NQ rev (1m)20.78%
Revenue NQ rev (3m)24.88%
Revenue NY rev (1m)12.79%
Revenue NY rev (3m)12.79%
Valuation
Industry RankSector Rank
PE 6.8
Fwd PE 4.02
P/S 2.61
P/FCF 5.7
P/OCF 5.7
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)0.4
EY14.71%
EPS(NY)0.68
Fwd EY24.87%
FCF(TTM)0.48
FCFY17.55%
OCF(TTM)0.48
OCFY17.55%
SpS1.04
BVpS7.46
TBVpS7.46
PEG (NY)0.1
PEG (5Y)N/A
Graham Number8.19
Profitability
Industry RankSector Rank
ROA -7.59%
ROE -11.92%
ROCE 3.25%
ROIC 2.57%
ROICexc 2.99%
ROICexgc 2.99%
OM 36.14%
PM (TTM) N/A
GM 88.08%
FCFM 45.74%
ROA(3y)0.31%
ROA(5y)2.47%
ROE(3y)0.89%
ROE(5y)4.19%
ROIC(3y)5.17%
ROIC(5y)5.95%
ROICexc(3y)6.89%
ROICexc(5y)8.28%
ROICexgc(3y)6.89%
ROICexgc(5y)8.28%
ROCE(3y)6.54%
ROCE(5y)7.54%
ROICexgc growth 3Y-39.89%
ROICexgc growth 5Y-0.69%
ROICexc growth 3Y-39.89%
ROICexc growth 5Y-0.69%
OM growth 3Y-19.33%
OM growth 5Y-8.87%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y-1.16%
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 8.66
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.48
Cash Conversion N/A
Profit Quality N/A
Current Ratio 15.62
Quick Ratio 15.62
Altman-Z 0.33
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-76.33%
EPS 3Y-45.86%
EPS 5YN/A
EPS Q2Q%-141.38%
EPS Next Y69.15%
EPS Next 2Y34.08%
EPS Next 3Y58.45%
EPS Next 5Y48.37%
Revenue 1Y (TTM)-50.44%
Revenue growth 3Y-31.11%
Revenue growth 5Y34.41%
Sales Q2Q%-32.09%
Revenue Next Year16.1%
Revenue Next 2Y16%
Revenue Next 3Y32.81%
Revenue Next 5Y32.4%
EBIT growth 1Y-71.46%
EBIT growth 3Y-44.43%
EBIT growth 5Y22.49%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.88%
FCF growth 3Y-28.95%
FCF growth 5Y49.19%
OCF growth 1Y-47.88%
OCF growth 3Y-28.95%
OCF growth 5Y49.19%

ADVANCED FLOWER CAPITAL INC / AFCG Fundamental Analysis 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 of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

ChartMill assigns a valuation rating of 8 / 10 to ADVANCED FLOWER CAPITAL INC (AFCG). This can be considered as Undervalued.


Can you provide the profitability details for ADVANCED FLOWER CAPITAL INC?

ADVANCED FLOWER CAPITAL INC (AFCG) has a profitability rating of 4 / 10.


Can you provide the financial health for AFCG stock?

The financial health rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10.


What is the earnings growth outlook for ADVANCED FLOWER CAPITAL INC?

The Earnings per Share (EPS) of ADVANCED FLOWER CAPITAL INC (AFCG) is expected to grow by 69.15% in the next year.