2.8 USD
-0.12 (-4.11%)
2.76 USD
-0.04 (-1.43%)
We assign a fundamental rating of 5 out of 10 to AFCG. AFCG was compared to 69 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 cheap, but on the other hand it scores bad on growth. With these ratings, AFCG could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
In the past year AFCG was profitable.
In the past year AFCG had a positive cash flow from operations.
AFCG had positive earnings in each of the past 5 years.
In the past 5 years AFCG always reported a positive cash flow from operatings.
1.2 Ratios
AFCG's Return On Assets of -7.82% is on the low side compared to the rest of the industry. AFCG is outperformed by 91.30% of its industry peers.
AFCG's Return On Equity of -13.33% is on the low side compared to the rest of the industry. AFCG is outperformed by 81.16% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.39%, AFCG belongs to the top of the industry, outperforming 95.65% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AFCG 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
AFCG's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 57.67%, AFCG belongs to the top of the industry, outperforming 95.65% 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 95.65% of its industry peers.
In the last couple of years the Gross Margin of AFCG has remained more or less at the same level.
| 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.
AFCG has a worse debt/assets ratio than last year.
2.2 Solvency
AFCG has an Altman-Z score of 0.36. This is a bad value and indicates that AFCG is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.36, AFCG belongs to the top of the industry, outperforming 88.41% of the companies in the same industry.
The Debt to FCF ratio of AFCG is 7.92, which is on the high side as it means it would take AFCG, 7.92 years of fcf income to pay off all of its debts.
AFCG's Debt to FCF ratio of 7.92 is amongst the best of the industry. AFCG outperforms 97.10% 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.
The Debt to Equity ratio of AFCG (0.66) is better than 95.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 7.92 | ||
| Altman-Z | 0.36 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.82, AFCG belongs to the top of the industry, outperforming 95.65% of the companies in the same industry.
A Quick Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
AFCG has a better Quick ratio (5.82) than 95.65% of its industry peers.
| 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%.
The Earnings Per Share has been decreasing by -2.79% on average over the past years.
The Revenue for AFCG has decreased by -53.27% in the past year. This is quite bad
AFCG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.74% yearly.
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
Based on estimates for the next years, AFCG will show a small growth in Earnings Per Share. The EPS will grow by 4.95% on average per year.
AFCG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.33% yearly.
EPS Next Y-50.74%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
EPS Next 5Y4.95%
Revenue Next Year-50.86%
Revenue Next 2Y-25.18%
Revenue Next 3Y-17.31%
Revenue Next 5Y7.33%
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.
4. Valuation
4.1 Price/Earnings Ratio
AFCG is valuated cheaply with a Price/Earnings ratio of 3.46.
Based on the Price/Earnings ratio, AFCG is valued cheaply inside the industry as 97.10% of the companies are valued more expensively.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.00.
AFCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 98.55% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AFCG to the average of the S&P500 Index (36.21), we can say AFCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.46 | ||
| Fwd PE | 3 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued cheaply inside the industry as 91.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.51 | ||
| 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 29.55%, which is a nice return.
In the last 3 months the price of AFCG has falen by -38.86%. 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 13.00. 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 | 29.55% |
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-102.65%
EPS Next 2Y-25.69%
EPS Next 3Y-22.54%
2.8
-0.12 (-4.11%)
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 Change30.78%
Market Cap63.25M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts75
Price Target6.76 (141.43%)
Short Float %10.64%
Short Ratio8.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 29.55% |
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)-18.46%
PT rev (3m)-11.67%
EPS NQ rev (1m)-64.92%
EPS NQ rev (3m)-66.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.06%
Revenue NQ rev (1m)-13.86%
Revenue NQ rev (3m)-19.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-21.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.46 | ||
| Fwd PE | 3 | ||
| P/S | 2.34 | ||
| P/FCF | 4.51 | ||
| P/OCF | 4.51 | ||
| P/B | 0.37 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY28.93%
EPS(NY)0.93
Fwd EY33.33%
FCF(TTM)0.62
FCFY22.16%
OCF(TTM)0.62
OCFY22.16%
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 | 0.36 |
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 5Y4.95%
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 5Y7.33%
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 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 -102.65%.