ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
3.42 USD
0 (0%)
AFCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 66 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
In the past 5 years AFCG always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of AFCG (-3.00%) is worse than 81.82% of its industry peers.
AFCG's Return On Equity of -4.71% is on the low side compared to the rest of the industry. AFCG is outperformed by 72.73% of its industry peers.
AFCG has a better Return On Invested Capital (5.08%) than 96.97% 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 has a better Operating Margin (62.20%) than 96.97% 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 better Gross Margin (84.98%) than 93.94% 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
Compared to 1 year ago, AFCG has more shares outstanding
Compared to 1 year ago, AFCG has a worse debt to assets ratio.
2.2 Solvency
AFCG has an Altman-Z score of 0.41. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of AFCG (0.41) is better than 89.39% of its industry peers.
The Debt to FCF ratio of AFCG is 9.42, which is on the high side as it means it would take AFCG, 9.42 years of fcf income to pay off all of its debts.
AFCG's Debt to FCF ratio of 9.42 is amongst the best of the industry. AFCG outperforms 96.97% of its industry peers.
A Debt/Equity ratio of 0.54 indicates that AFCG is somewhat dependend on debt financing.
AFCG's Debt to Equity ratio of 0.54 is amongst the best of the industry. AFCG outperforms 95.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.41 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
AFCG's Current ratio of 0.79 is fine compared to the rest of the industry. AFCG outperforms 66.67% of its industry peers.
A Quick Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
AFCG's Quick ratio of 0.79 is fine compared to the rest of the industry. AFCG outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.74%.
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.
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)-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
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.
The Revenue is expected to grow by 11.81% on average over the next years. This is quite good.
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.
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
With a Price/Earnings ratio of 3.42, the valuation of AFCG can be described as very cheap.
Based on the Price/Earnings ratio, AFCG is valued cheaper than 98.48% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 3.66 indicates a rather cheap valuation of AFCG.
Based on the Price/Forward Earnings ratio, AFCG is valued cheaply inside the industry as 98.48% of the companies are valued more expensively.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.42 | ||
| Fwd PE | 3.66 |
4.2 Price Multiples
AFCG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFCG is cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.33 | ||
| 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
With a Yearly Dividend Yield of 25.07%, AFCG is a good candidate for dividend investing.
The stock price of AFCG dropped by -25.00% 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 12.94, 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 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 25.07% |
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-376.9%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
NASDAQ:AFCG (10/24/2025, 8:08:07 PM)
3.42
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.66%
Inst Owner Change0.07%
Ins Owners24.6%
Ins Owner Change18.97%
Market Cap77.26M
Revenue(TTM)29.37M
Net Income(TTM)-8704800
Analysts75
Price Target8.29 (142.4%)
Short Float %8.95%
Short Ratio5.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 25.07% |
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)0%
PT rev (3m)-7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)-10.06%
EPS NY rev (3m)-15.05%
Revenue NQ rev (1m)-2.18%
Revenue NQ rev (3m)-25.35%
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)-22.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.42 | ||
| Fwd PE | 3.66 | ||
| P/S | 2.63 | ||
| P/FCF | 7.33 | ||
| P/OCF | 7.33 | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY29.24%
EPS(NY)0.93
Fwd EY27.29%
FCF(TTM)0.47
FCFY13.65%
OCF(TTM)0.47
OCFY13.65%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number13.56
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%
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-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 | 0.41 |
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-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
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
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.
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 -376.9%.