ADVANCED FLOWER CAPITAL INC (AFCG) Fundamental Analysis & Valuation

NASDAQ:AFCG • US00109K1051

Current stock price

2.66 USD
+0.06 (+2.31%)
At close:
2.68 USD
+0.02 (+0.75%)
After Hours:

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

  • In the past year AFCG was profitable.
  • In the past year AFCG had a positive cash flow from operations.
  • Of the past 5 years AFCG 4 years were 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 2025 0 20M -20M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -7.59%, AFCG is doing worse than 82.85% of the companies in the same industry.
  • AFCG's Return On Equity of -11.92% is on the low side compared to the rest of the industry. AFCG is outperformed by 76.57% of its industry peers.
  • AFCG has a Return On Invested Capital (2.57%) which is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AFCG is below the industry average of 7.28%.
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 67.36% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AFCG has declined.
  • Looking at the Gross Margin, with a value of 88.08%, AFCG belongs to the top of the industry, outperforming 92.47% 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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5

2. AFCG Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for AFCG has been increased compared to 1 year ago.
  • 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

  • Based on the Altman-Z score of 0.31, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
  • AFCG has a Altman-Z score of 0.31. This is in the lower half of the industry: AFCG underperforms 66.11% 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 61.09% of its industry peers.
  • A Debt/Equity ratio of 0.55 indicates that AFCG is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.55, AFCG is doing good in the industry, outperforming 64.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 8.66
Altman-Z 0.31
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.
  • AFCG has a better Current ratio (15.62) than 96.65% of its industry peers.
  • A Quick Ratio of 15.62 indicates that AFCG has no problem at all paying its short term obligations.
  • The Quick ratio of AFCG (15.62) is better than 96.65% 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

  • AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -76.33%.
  • The earnings per share for AFCG have been decreasing by -45.86% on average. This is quite bad
  • The Revenue for AFCG has decreased by -50.44% in the past year. This is quite bad
  • 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.
  • The Revenue is expected to grow by 32.40% on average over the next years. This is a very strong growth
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.
  • 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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8

4. AFCG Valuation Analysis

4.1 Price/Earnings Ratio

  • AFCG is valuated cheaply with a Price/Earnings ratio of 6.65.
  • 83.26% of the companies in the same industry are more expensive than AFCG, based on the Price/Earnings ratio.
  • AFCG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • With a Price/Forward Earnings ratio of 3.93, the valuation of AFCG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AFCG is valued cheaply inside the industry as 94.56% of the companies are valued more expensively.
  • AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.65
Fwd PE 3.93
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 83.26% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.57
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.
  • A more expensive valuation may be justified as AFCG's earnings are expected to grow with 58.45% in the coming years.
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

  • With a Yearly Dividend Yield of 17.04%, AFCG is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.73, AFCG pays a better dividend. On top of this AFCG pays more dividend than 89.54% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, AFCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 17.04%

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 (3/27/2026, 8:00:00 PM)

After market: 2.68 +0.02 (+0.75%)

2.66

+0.06 (+2.31%)

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 Change20.91%
Market Cap62.59M
Revenue(TTM)24.56M
Net Income(TTM)-20.93M
Analysts76
Price Target5.1 (91.73%)
Short Float %14.33%
Short Ratio5.94
Dividend
Industry RankSector Rank
Dividend Yield 17.04%
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)-531.41%
Min EPS beat(2)-1041.18%
Max EPS beat(2)-21.65%
EPS beat(4)0
Avg EPS beat(4)-279.02%
Min EPS beat(4)-1041.18%
Max EPS beat(4)-16.37%
EPS beat(8)1
Avg EPS beat(8)-142.5%
EPS beat(12)1
Avg EPS beat(12)-96.47%
EPS beat(16)4
Avg EPS beat(16)-71.52%
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)0%
PT rev (3m)-24.53%
EPS NQ rev (1m)-42.42%
EPS NQ rev (3m)-62%
EPS NY rev (1m)0%
EPS NY rev (3m)-23.76%
Revenue NQ rev (1m)30.25%
Revenue NQ rev (3m)12.45%
Revenue NY rev (1m)12.79%
Revenue NY rev (3m)9.37%
Valuation
Industry RankSector Rank
PE 6.65
Fwd PE 3.93
P/S 2.55
P/FCF 5.57
P/OCF 5.57
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)0.4
EY15.04%
EPS(NY)0.68
Fwd EY25.44%
FCF(TTM)0.48
FCFY17.95%
OCF(TTM)0.48
OCFY17.95%
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 0.31
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.


Can you provide the valuation status for ADVANCED FLOWER CAPITAL INC?

ChartMill assigns a valuation rating of 8 / 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 4 / 10.


What is the financial health of ADVANCED FLOWER CAPITAL INC (AFCG) stock?

The financial health rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 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 -92.44%.