ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
NASDAQ:AFCG - US00109K1051 - REIT
4.66 USD
-0.08 (-1.69%)
4.9 USD
+0.24 (+5.15%)
Overall AFCG gets a fundamental rating of 5 out of 10. We evaluated AFCG against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has only an average score on both its financial health and profitability. AFCG is not valued too expensively and it also shows a decent growth rate.
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
Looking at the Return On Assets, with a value of -3.00%, AFCG is doing worse than 80.60% of the companies in the same industry.
AFCG's Return On Equity of -4.71% is on the low side compared to the rest of the industry. AFCG is outperformed by 71.64% of its industry peers.
The Return On Invested Capital of AFCG (5.08%) is better than 97.01% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AFCG is significantly above the industry average of 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -4.71% | ||
| ROIC | 5.08% |
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's Profit Margin has declined in the last couple of years.
AFCG's Operating Margin of 62.20% is amongst the best of the industry. AFCG outperforms 97.01% of its industry peers.
In the last couple of years the Operating Margin of AFCG has remained more or less at the same level.
The Gross Margin of AFCG (84.98%) is better than 94.03% of its industry peers.
AFCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 62.2% | ||
| PM (TTM) | N/A | ||
| GM | 84.98% |
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.
AFCG has a worse debt/assets ratio than last year.
2.2 Solvency
AFCG has an Altman-Z score of 0.57. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
AFCG has a better Altman-Z score (0.57) than 88.06% of its industry peers.
AFCG has a debt to FCF ratio of 9.42. This is a negative value and a sign of low solvency as AFCG would need 9.42 years to pay back of all of its debts.
AFCG has a Debt to FCF ratio of 9.42. This is amongst the best in the industry. AFCG outperforms 97.01% of its industry peers.
A Debt/Equity ratio of 0.54 indicates that AFCG is somewhat dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.54, AFCG belongs to the best of the industry, outperforming 95.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.57 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AFCG has a Current Ratio of 0.79. This is a bad value and indicates that AFCG is not financially healthy enough and could expect problems in meeting its short term obligations.
AFCG's Current ratio of 0.79 is fine compared to the rest of the industry. AFCG outperforms 65.67% of its industry peers.
A Quick Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.79, AFCG is doing good in the industry, outperforming 65.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
The earnings per share for AFCG have decreased strongly by -50.74% in the last year.
The Earnings Per Share has been decreasing by -2.79% on average over the past years.
Looking at the last year, AFCG shows a very negative growth in Revenue. The Revenue has decreased by -53.37% in the last year.
The Revenue has been growing slightly by 6.74% on average over the past years.
EPS 1Y (TTM)-50.74%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-73.21%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
3.2 Future
The Earnings Per Share is expected to grow by 9.93% on average over the next years. This is quite good.
Based on estimates for the next years, AFCG will show a quite strong growth in Revenue. The Revenue will grow by 11.81% on average per year.
EPS Next Y-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue Next Year-37.51%
Revenue Next 2Y-15.88%
Revenue Next 3Y-3.91%
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.
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
Based on the Price/Earnings ratio of 4.66, the valuation of AFCG can be described as very cheap.
Based on the Price/Earnings ratio, AFCG is valued cheaply inside the industry as 97.01% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (27.13), we can say AFCG is valued rather cheaply.
The Price/Forward Earnings ratio is 4.15, which indicates a rather cheap valuation of AFCG.
98.51% of the companies in the same industry are more expensive than AFCG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AFCG to the average of the S&P500 Index (22.76), we can say AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.66 | ||
| Fwd PE | 4.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued a bit cheaper than 73.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.98 | ||
| 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 -7.77% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 21.94%, AFCG is a good candidate for dividend investing.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 11.93. AFCG pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, AFCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.94% |
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-376.9%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
4.66
-0.08 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners31.2%
Inst Owner Change-3.78%
Ins Owners20.04%
Ins Owner Change19.12%
Market Cap105.27M
Analysts76.92
Price Target7.65 (64.16%)
Short Float %5.72%
Short Ratio4.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.94% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-376.9%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.63%
Min EPS beat(2)-36.88%
Max EPS beat(2)-16.37%
EPS beat(4)0
Avg EPS beat(4)-19.48%
Min EPS beat(4)-36.88%
Max EPS beat(4)-3.34%
EPS beat(8)1
Avg EPS beat(8)-10.29%
EPS beat(12)2
Avg EPS beat(12)-8.53%
EPS beat(16)5
Avg EPS beat(16)-5.32%
Revenue beat(2)0
Avg Revenue beat(2)-22.06%
Min Revenue beat(2)-23.78%
Max Revenue beat(2)-20.34%
Revenue beat(4)0
Avg Revenue beat(4)-26.6%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)-20.34%
Revenue beat(8)1
Avg Revenue beat(8)-14.88%
Revenue beat(12)2
Avg Revenue beat(12)-11.32%
Revenue beat(16)5
Avg Revenue beat(16)-7.3%
PT rev (1m)-14.38%
PT rev (3m)-22.68%
EPS NQ rev (1m)-11.35%
EPS NQ rev (3m)-42.8%
EPS NY rev (1m)-5.55%
EPS NY rev (3m)-11.75%
Revenue NQ rev (1m)-13.67%
Revenue NQ rev (3m)-37.01%
Revenue NY rev (1m)-8.61%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.66 | ||
| Fwd PE | 4.15 | ||
| P/S | 3.58 | ||
| P/FCF | 9.98 | ||
| P/OCF | 9.98 | ||
| P/B | 0.57 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY21.46%
EPS(NY)1.12
Fwd EY24.1%
FCF(TTM)0.47
FCFY10.02%
OCF(TTM)0.47
OCFY10.02%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3% | ||
| ROE | -4.71% | ||
| ROCE | 6.43% | ||
| ROIC | 5.08% | ||
| ROICexc | 5.14% | ||
| ROICexgc | 5.14% | ||
| OM | 62.2% | ||
| PM (TTM) | N/A | ||
| GM | 84.98% | ||
| FCFM | 35.92% |
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-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.16 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 | ||
| Altman-Z | 0.57 |
F-Score3
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)-50.74%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-73.21%
EPS Next Y-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
Revenue Next Year-37.51%
Revenue Next 2Y-15.88%
Revenue Next 3Y-3.91%
Revenue Next 5Y11.81%
EBIT growth 1Y-54.71%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-58.83%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y-58.83%
OCF growth 3Y31.23%
OCF growth 5YN/A