2.34 USD
+0.03 (+1.3%)
At close: Feb 11, 2026
2.3 USD
-0.04 (-1.71%)
After Hours: 2/11/2026, 8:05:32 PM
Overall AFCG gets a fundamental rating of 5 out of 10. We evaluated AFCG against 70 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 has a bad growth rate and is valued cheaply. These ratings would make AFCG suitable for value investing!
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.
- Each year in the past 5 years AFCG had a positive operating cash flow.
1.2 Ratios
- AFCG's Return On Assets of -7.82% is on the low side compared to the rest of the industry. AFCG is outperformed by 91.43% of its industry peers.
- Looking at the Return On Equity, with a value of -13.33%, AFCG is doing worse than 81.43% of the companies in the same industry.
- The Return On Invested Capital of AFCG (4.39%) is better than 95.71% of its industry peers.
- AFCG had an Average Return On Invested Capital over the past 3 years of 7.43%. This is significantly above the industry average of 1.26%.
| 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
- In the last couple of years the Profit Margin of AFCG has declined.
- AFCG has a Operating Margin of 57.67%. This is amongst the best in the industry. AFCG outperforms 95.71% 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 84.66%. This is amongst the best in the industry. AFCG outperforms 95.71% 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
- 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.
2.2 Solvency
- AFCG has an Altman-Z score of 0.29. This is a bad value and indicates that AFCG is not financially healthy and even 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 87.14% 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.
- The Debt to FCF ratio of AFCG (7.92) is better than 97.14% of its industry peers.
- AFCG has a Debt/Equity ratio of 0.66. This is a neutral value indicating AFCG is somewhat dependend on debt financing.
- The Debt to Equity ratio of AFCG (0.66) is better than 95.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Altman-Z | 0.29 |
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.
- AFCG has a Current ratio of 5.82. This is amongst the best in the industry. AFCG outperforms 95.71% of its industry peers.
- A Quick Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
- AFCG has a better Quick ratio (5.82) than 95.71% 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.
- AFCG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.79% yearly.
- 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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 2.89, the valuation of AFCG can be described as very cheap.
- 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.
- AFCG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
- The Price/Forward Earnings ratio is 3.46, which indicates a rather cheap valuation of AFCG.
- Based on the Price/Forward Earnings ratio, AFCG is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. AFCG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.89 | ||
| Fwd PE | 3.46 |
4.2 Price Multiples
- 97.14% of the companies in the same industry are more expensive than AFCG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.77 | ||
| 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 -24.79% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-36.73%
EPS Next 3Y-24.79%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 41.15%, AFCG is a good candidate for dividend investing.
- The stock price of AFCG dropped by -25.24% 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.
- AFCG's Dividend Yield is rather good when compared to the industry average which is at 12.51. AFCG pays more dividend than 100.00% of the companies in the same industry.
- AFCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 41.15% |
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-36.73%
EPS Next 3Y-24.79%
2.34
+0.03 (+1.3%)
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)03-05 2026-03-05/bmo
Inst Owners24.28%
Inst Owner Change3.45%
Ins Owners29.56%
Ins Owner Change32.56%
Market Cap52.86M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts76
Price Target5.1 (117.95%)
Short Float %11.09%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 41.15% |
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)-23.08%
EPS NQ rev (1m)159.27%
EPS NQ rev (3m)-87.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-41.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-21.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.89 | ||
| Fwd PE | 3.46 | ||
| P/S | 1.96 | ||
| P/FCF | 3.77 | ||
| P/OCF | 3.77 | ||
| P/B | 0.31 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY34.62%
EPS(NY)0.68
Fwd EY28.91%
FCF(TTM)0.62
FCFY26.52%
OCF(TTM)0.62
OCFY26.52%
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 | 0.29 |
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%.