2.5 USD
+0.07 (+2.88%)
Taking everything into account, AFCG scores 5 out of 10 in our fundamental rating. AFCG was compared to 68 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. These ratings could make AFCG a good candidate for value investing.
1. Profitability
1.1 Basic Checks
- In the past year AFCG was profitable.
- AFCG had a positive operating cash flow in the past year.
- AFCG had positive earnings in each of the past 5 years.
- Each year in the past 5 years AFCG had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of AFCG (-7.82%) is worse than 91.18% 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 80.88% of its industry peers.
- The Return On Invested Capital of AFCG (4.39%) is better than 95.59% 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 | -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)7.43%
ROIC(5y)5.99%
1.3 Margins
- In the last couple of years the Profit Margin of AFCG has declined.
- The Operating Margin of AFCG (57.67%) is better than 95.59% of its industry peers.
- AFCG's Operating Margin has been stable in the last couple of years.
- Looking at the Gross Margin, with a value of 84.66%, 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 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.
- The debt/assets ratio for AFCG is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.30, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.30, AFCG belongs to the top of the industry, outperforming 86.76% 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.
- 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 | 0.3 |
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.
- 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.
- A Quick Ratio of 5.82 indicates that AFCG has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 5.82, AFCG belongs to the top 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
- The earnings per share for AFCG have decreased strongly by -57.14% in the last year.
- 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
- The Revenue has been growing slightly by 6.74% on average over the past years.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.95% yearly.
- Based on estimates for the next years, AFCG will show a small growth in Revenue. The Revenue will grow by 7.33% on average per year.
EPS Next Y-71.33%
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
EPS Next 5Y4.95%
Revenue Next Year-53.46%
Revenue Next 2Y-31.04%
Revenue Next 3Y-18.8%
Revenue Next 5Y7.33%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 3.09 indicates a rather cheap valuation of AFCG.
- Based on the Price/Earnings ratio, AFCG is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- AFCG is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 3.74, which indicates a rather cheap valuation of AFCG.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 100.00% of the companies listed in the same industry.
- AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.09 | ||
| Fwd PE | 3.74 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 97.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of AFCG may justify a higher PE ratio.
- A cheap valuation may be justified as AFCG's earnings are expected to decrease with -23.91% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
5. Dividend
5.1 Amount
- AFCG has a Yearly Dividend Yield of 35.39%, which is a nice return.
- The stock price of AFCG dropped by -28.95% 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.
- AFCG's Dividend Yield is rather good when compared to the industry average which is at 11.01. AFCG pays more dividend than 100.00% of the companies in the same industry.
- AFCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 35.39% |
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-37.13%
EPS Next 3Y-23.91%
NASDAQ:AFCG (1/22/2026, 11:35:32 AM)
2.5
+0.07 (+2.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-12 2025-11-12/bmo
Earnings (Next)03-11 2026-03-11/bmo
Inst Owners24.28%
Inst Owner Change-0.05%
Ins Owners29.56%
Ins Owner Change32.56%
Market Cap56.48M
Revenue(TTM)27.01M
Net Income(TTM)-22.58M
Analysts76
Price Target5.95 (138%)
Short Float %13.87%
Short Ratio6.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 35.39% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP-102.65%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-11.95%
PT rev (3m)-28.21%
EPS NQ rev (1m)10%
EPS NQ rev (3m)-121.05%
EPS NY rev (1m)-19.49%
EPS NY rev (3m)-41.81%
Revenue NQ rev (1m)-8.68%
Revenue NQ rev (3m)-21.34%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-5.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.09 | ||
| Fwd PE | 3.74 | ||
| P/S | 2.09 | ||
| P/FCF | 4.03 | ||
| P/OCF | 4.03 | ||
| P/B | 0.33 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY32.4%
EPS(NY)0.67
Fwd EY26.72%
FCF(TTM)0.62
FCFY24.82%
OCF(TTM)0.62
OCFY24.82%
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)7.43%
ROIC(5y)5.99%
ROICexc(3y)10.48%
ROICexc(5y)8.3%
ROICexgc(3y)10.48%
ROICexgc(5y)8.3%
ROCE(3y)9.4%
ROCE(5y)7.59%
ROICexgc growth 3Y3.75%
ROICexgc growth 5YN/A
ROICexc growth 3Y3.75%
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 | 0.3 |
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-71.33%
EPS Next 2Y-37.13%
EPS Next 3Y-23.91%
EPS Next 5Y4.95%
Revenue 1Y (TTM)-53.27%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-16.16%
Revenue Next Year-53.46%
Revenue Next 2Y-31.04%
Revenue Next 3Y-18.8%
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.
Can you provide the valuation status for ADVANCED FLOWER CAPITAL INC?
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.
What is the financial health of ADVANCED FLOWER CAPITAL INC (AFCG) stock?
The financial health rating of ADVANCED FLOWER CAPITAL INC (AFCG) is 6 / 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 -102.65%.