ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
NASDAQ:AFCG - Nasdaq - US00109K1051 - REIT - Currency: USD
AFCG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an excellent profitability rating, but there are some minor concerns on its financial health. AFCG is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings could make AFCG a good candidate for value investing.
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.
AFCG had positive earnings in each of the past 5 years.
AFCG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AFCG has a Return On Assets of 4.17%. This is amongst the best in the industry. AFCG outperforms 96.92% of its industry peers.
Looking at the Return On Equity, with a value of 8.33%, AFCG belongs to the top of the industry, outperforming 90.77% of the companies in the same industry.
AFCG's Return On Invested Capital of 8.47% is amongst the best of the industry. AFCG outperforms 98.46% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AFCG is significantly above the industry average of 1.71%.
The 3 year average ROIC (8.33%) for AFCG is below the current ROIC(8.47%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.17% | ||
| ROE | 8.33% | ||
| ROIC | 8.47% |
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
AFCG has a Profit Margin of 33.86%. This is amongst the best in the industry. AFCG outperforms 93.85% of its industry peers.
AFCG's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 62.75%, AFCG belongs to the best of the industry, outperforming 95.38% 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.
AFCG has a Gross Margin of 79.10%. This is amongst the best in the industry. AFCG outperforms 92.31% of its industry peers.
AFCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 62.75% | ||
| PM (TTM) | 33.86% | ||
| GM | 79.1% |
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 0.54. 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 0.54, AFCG belongs to the best of the industry, outperforming 86.15% of the companies in the same industry.
AFCG has a debt to FCF ratio of 4.11. This is a neutral value as AFCG would need 4.11 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 4.11, AFCG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Debt/Equity ratio of 0.44 indicates that AFCG is not too dependend on debt financing.
AFCG has a better Debt to Equity ratio (0.44) than 98.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | 0.54 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AFCG has a Current Ratio of 0.94. This is a bad value and indicates that AFCG is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Current ratio value of 0.94, AFCG belongs to the best of the industry, outperforming 81.54% of the companies in the same industry.
AFCG has a Quick Ratio of 0.94. 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 0.94, AFCG belongs to the top of the industry, outperforming 81.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 |
3. Growth
3.1 Past
AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.16%.
The Earnings Per Share has been decreasing by -2.79% on average over the past years.
The Revenue for AFCG has decreased by -21.12% 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)-17.16%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-40.82%
Revenue 1Y (TTM)-21.12%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-52.19%
3.2 Future
The Earnings Per Share is expected to grow by 12.83% on average over the next years. This is quite good.
The Revenue is expected to grow by 14.46% on average over the next years. This is quite good.
EPS Next Y-36.53%
EPS Next 2Y-11.56%
EPS Next 3Y4.12%
EPS Next 5Y12.83%
Revenue Next Year-38.94%
Revenue Next 2Y-13.25%
Revenue Next 3Y4.62%
Revenue Next 5Y14.46%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.13, which 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 98.46% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (28.79), we can say AFCG is valued rather cheaply.
The Price/Forward Earnings ratio is 4.93, which indicates a rather cheap valuation of AFCG.
Based on the Price/Forward Earnings ratio, AFCG is valued cheaper than 96.92% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.13 | ||
| Fwd PE | 4.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The excellent profitability rating of AFCG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.56%
EPS Next 3Y4.12%
5. Dividend
5.1 Amount
AFCG has a Yearly Dividend Yield of 27.08%, which is a nice return.
The stock price of AFCG dropped by -34.93% 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 14.84, AFCG pays a better dividend. On top of this AFCG pays more dividend than 100.00% 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 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 27.08% |
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
238.25% of the earnings are spent on dividend by AFCG. This is not a sustainable payout ratio.
DP238.25%
EPS Next 2Y-11.56%
EPS Next 3Y4.12%
5.29
-0.07 (-1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners34.63%
Inst Owner Change0.04%
Ins Owners18.21%
Ins Owner Change10.02%
Market Cap119.55M
Analysts76.92
Price Target9.89 (86.96%)
Short Float %5.72%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 27.08% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP238.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-21.34%
Max EPS beat(2)-3.34%
EPS beat(4)1
Avg EPS beat(4)-5.98%
Min EPS beat(4)-21.34%
Max EPS beat(4)6.55%
EPS beat(8)1
Avg EPS beat(8)-5.2%
EPS beat(12)4
Avg EPS beat(12)-2.36%
EPS beat(16)6
Avg EPS beat(16)-1%
Revenue beat(2)0
Avg Revenue beat(2)-31.13%
Min Revenue beat(2)-34.78%
Max Revenue beat(2)-27.48%
Revenue beat(4)1
Avg Revenue beat(4)-14.67%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)14.48%
Revenue beat(8)1
Avg Revenue beat(8)-11.26%
Revenue beat(12)4
Avg Revenue beat(12)-6.21%
Revenue beat(16)6
Avg Revenue beat(16)-4.91%
PT rev (1m)0%
PT rev (3m)-23.02%
EPS NQ rev (1m)-35%
EPS NQ rev (3m)-38.15%
EPS NY rev (1m)-33.61%
EPS NY rev (3m)-34.68%
Revenue NQ rev (1m)-36.41%
Revenue NQ rev (3m)-42.7%
Revenue NY rev (1m)-33.78%
Revenue NY rev (3m)-35.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.13 | ||
| Fwd PE | 4.93 | ||
| P/S | 2.41 | ||
| P/FCF | 5.55 | ||
| P/OCF | 5.55 | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.69
EY31.95%
EPS(NY)1.07
Fwd EY20.28%
FCF(TTM)0.95
FCFY18.03%
OCF(TTM)0.95
OCFY18.03%
SpS2.19
BVpS8.91
TBVpS8.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.17% | ||
| ROE | 8.33% | ||
| ROCE | 10.72% | ||
| ROIC | 8.47% | ||
| ROICexc | 13.17% | ||
| ROICexgc | 13.17% | ||
| OM | 62.75% | ||
| PM (TTM) | 33.86% | ||
| GM | 79.1% | ||
| FCFM | 43.49% |
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%
ROICexcg growth 3Y19.71%
ROICexcg 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-Score4
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.44% | ||
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 | ||
| Altman-Z | 0.54 |
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)-17.16%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-40.82%
EPS Next Y-36.53%
EPS Next 2Y-11.56%
EPS Next 3Y4.12%
EPS Next 5Y12.83%
Revenue 1Y (TTM)-21.12%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-52.19%
Revenue Next Year-38.94%
Revenue Next 2Y-13.25%
Revenue Next 3Y4.62%
Revenue Next 5Y14.46%
EBIT growth 1Y-24.63%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.55%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y1.55%
OCF growth 3Y31.23%
OCF growth 5YN/A