ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
2.74 USD
-0.08 (-2.84%)
Taking everything into account, AFCG scores 6 out of 10 in our fundamental rating. AFCG was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on AFCG. With these ratings, AFCG could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
AFCG had positive earnings in the past year.
In the past year AFCG had a positive cash flow from operations.
In the past 5 years AFCG has always been profitable.
AFCG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AFCG has a Return On Assets of -7.82%. This is amonst the worse of the industry: AFCG underperforms 91.18% of its industry peers.
Looking at the Return On Equity, with a value of -13.33%, AFCG is doing worse than 79.41% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.39%, AFCG belongs to the top of the industry, outperforming 95.59% of the companies in the same industry.
AFCG had an Average Return On Invested Capital over the past 3 years of 8.33%. This is significantly above the industry average of 1.23%.
| 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)8.33%
ROIC(5y)6.54%
1.3 Margins
In the last couple of years the Profit Margin of AFCG has declined.
Looking at the Operating Margin, with a value of 57.67%, AFCG belongs to the top of the industry, outperforming 95.59% 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 better Gross Margin (84.66%) than 95.59% of its industry peers.
AFCG's Gross Margin has been stable in the last couple of years.
| 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
Based on the Altman-Z score of 0.34, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.34, AFCG belongs to the best of the industry, outperforming 88.24% 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 97.06% 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.
AFCG has a better Debt to Equity ratio (0.66) than 95.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Altman-Z | 0.34 |
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.
With an excellent Current ratio value of 5.82, AFCG belongs to the best of the industry, outperforming 95.59% of the companies in the same industry.
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.
With an excellent Quick ratio value of 5.82, AFCG belongs to the best of the industry, outperforming 95.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.82 | ||
| Quick Ratio | 5.82 |
3. Growth
3.1 Past
AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -57.14%.
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.
AFCG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -53.27%.
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)-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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.93% yearly.
AFCG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
EPS Next Y-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.38, which indicates a rather cheap valuation of AFCG.
Based on the Price/Earnings ratio, AFCG is valued cheaper than 98.53% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 2.94, the valuation of AFCG can be described as very cheap.
AFCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 100.00% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 2.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued cheaper than 92.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AFCG has a very decent profitability rating, which may justify a higher PE ratio.
AFCG's earnings are expected to decrease with -22.54% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
5. Dividend
5.1 Amount
AFCG has a Yearly Dividend Yield of 30.50%, which is a nice return.
In the last 3 months the price of AFCG has falen by -33.33%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 12.03. AFCG pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, AFCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.5% |
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
The earnings of AFCG are negative and hence is the payout ratio. AFCG will probably not be able to sustain this dividend level.
DP-102.65%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
NASDAQ:AFCG (11/19/2025, 2:57:57 PM)
2.74
-0.08 (-2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.66%
Inst Owner Change-9.67%
Ins Owners24.6%
Ins Owner Change19%
Market Cap61.90M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts75
Price Target6.76 (146.72%)
Short Float %10.64%
Short Ratio8.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 30.5% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-102.65%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-20%
PT rev (3m)-25.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-15.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-27.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-28.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 2.94 | ||
| P/S | 2.29 | ||
| P/FCF | 4.42 | ||
| P/OCF | 4.42 | ||
| P/B | 0.37 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY29.56%
EPS(NY)0.93
Fwd EY34.06%
FCF(TTM)0.62
FCFY22.65%
OCF(TTM)0.62
OCFY22.65%
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)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%
ROICexgc growth 3Y19.71%
ROICexgc 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 Turnover0.09
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 | 0.34 |
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-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.27%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-16.16%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
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 6 / 10 to AFCG.
What is the valuation status for AFCG stock?
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.
Can you provide the expected EPS growth for AFCG stock?
The Earnings per Share (EPS) of ADVANCED FLOWER CAPITAL INC (AFCG) is expected to decline by -50.74% in the next year.
Can you provide the dividend sustainability for AFCG stock?
The dividend rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 5 / 10 and the dividend payout ratio is -102.65%.