ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
NASDAQ:AFCG - Nasdaq - US00109K1051 - REIT - Currency: USD
Taking everything into account, AFCG scores 6 out of 10 in our fundamental rating. AFCG was compared to 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an excellent profitability rating, but there are some minor concerns on its financial health. 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.
AFCG had a positive operating cash flow in the past year.
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
With an excellent Return On Assets value of 6.50%, AFCG belongs to the best of the industry, outperforming 96.97% of the companies in the same industry.
The Return On Equity of AFCG (10.41%) is better than 95.45% of its industry peers.
With an excellent Return On Invested Capital value of 7.26%, AFCG belongs to the best of the industry, outperforming 96.97% 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 1.42%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.5% | ||
| ROE | 10.41% | ||
| ROIC | 7.26% |
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
With an excellent Profit Margin value of 50.32%, AFCG belongs to the best of the industry, outperforming 93.94% of the companies in the same industry.
AFCG's Profit Margin has declined in the last couple of years.
AFCG's Operating Margin of 64.08% is amongst the best of the industry. AFCG outperforms 96.97% of its industry peers.
AFCG's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 81.43%, AFCG belongs to the best of the industry, outperforming 93.94% 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 | 64.08% | ||
| PM (TTM) | 50.32% | ||
| GM | 81.43% |
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
AFCG has more shares outstanding than it did 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 0.62, we must say that AFCG is in the distress zone and has some risk of bankruptcy.
AFCG's Altman-Z score of 0.62 is amongst the best of the industry. AFCG outperforms 87.88% of its industry peers.
AFCG has a debt to FCF ratio of 4.65. This is a neutral value as AFCG would need 4.65 years to pay back of all of its debts.
AFCG's Debt to FCF ratio of 4.65 is amongst the best of the industry. AFCG outperforms 96.97% of its industry peers.
AFCG has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
AFCG has a Debt to Equity ratio of 0.44. This is amongst the best in the industry. AFCG outperforms 96.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 0.62 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.46 indicates that AFCG may have some problems paying its short term obligations.
AFCG has a Current ratio of 0.46. This is in the better half of the industry: AFCG outperforms 65.15% of its industry peers.
A Quick Ratio of 0.46 indicates that AFCG may have some problems paying its short term obligations.
AFCG's Quick ratio of 0.46 is fine compared to the rest of the industry. AFCG outperforms 65.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
AFCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.06%.
AFCG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.79% yearly.
The Revenue for AFCG has decreased by -31.55% in the past year. This is quite bad
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)-28.06%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-57.14%
Revenue 1Y (TTM)-31.55%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-42.69%
3.2 Future
Based on estimates for the next years, AFCG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.93% on average per year.
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-42.01%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
EPS Next 5Y9.93%
Revenue Next Year-36.96%
Revenue Next 2Y-13.77%
Revenue Next 3Y6.54%
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 3.24, the valuation of AFCG can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 98.48% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AFCG to the average of the S&P500 Index (27.52), we can say AFCG is valued rather cheaply.
AFCG is valuated cheaply with a Price/Forward Earnings ratio of 3.81.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AFCG indicates a rather cheap valuation: AFCG is cheaper than 98.48% of the companies listed in the same industry.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.58, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.24 | ||
| Fwd PE | 3.81 |
4.2 Price Multiples
90.91% of the companies in the same industry are more expensive than AFCG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AFCG has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 22.76%, AFCG is a good candidate for dividend investing.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 11.56. 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 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.76% |
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 pays out 179.56% of its income as dividend. This is not a sustainable payout ratio.
DP179.56%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
4.57
+0.04 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners29.79%
Inst Owner Change0%
Ins Owners20.04%
Ins Owner Change8.14%
Market Cap103.28M
Analysts76.92
Price Target8.94 (95.62%)
Short Float %5.69%
Short Ratio5.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.76% |
Yearly Dividend1.87
Dividend Growth(5Y)N/A
DP179.56%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.85%
Min EPS beat(2)-21.34%
Max EPS beat(2)-16.37%
EPS beat(4)1
Avg EPS beat(4)-8.62%
Min EPS beat(4)-21.34%
Max EPS beat(4)6.55%
EPS beat(8)1
Avg EPS beat(8)-6.95%
EPS beat(12)3
Avg EPS beat(12)-4.32%
EPS beat(16)5
Avg EPS beat(16)-3.8%
Revenue beat(2)1
Avg Revenue beat(2)-13.08%
Min Revenue beat(2)-34.78%
Max Revenue beat(2)8.62%
Revenue beat(4)2
Avg Revenue beat(4)-9.79%
Min Revenue beat(4)-34.78%
Max Revenue beat(4)14.48%
Revenue beat(8)2
Avg Revenue beat(8)-9.25%
Revenue beat(12)4
Avg Revenue beat(12)-5.89%
Revenue beat(16)7
Avg Revenue beat(16)-3.99%
PT rev (1m)-3.31%
PT rev (3m)-9.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.29%
EPS NY rev (1m)-6.56%
EPS NY rev (3m)-8.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.46%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)3.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.24 | ||
| Fwd PE | 3.81 | ||
| P/S | 2.49 | ||
| P/FCF | 5.41 | ||
| P/OCF | 5.41 | ||
| P/B | 0.51 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.41
EY30.85%
EPS(NY)1.2
Fwd EY26.23%
FCF(TTM)0.85
FCFY18.5%
OCF(TTM)0.85
OCFY18.5%
SpS1.84
BVpS8.88
TBVpS8.88
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.5% | ||
| ROE | 10.41% | ||
| ROCE | 9.19% | ||
| ROIC | 7.26% | ||
| ROICexc | 7.34% | ||
| ROICexgc | 7.34% | ||
| OM | 64.08% | ||
| PM (TTM) | 50.32% | ||
| GM | 81.43% | ||
| FCFM | 45.99% |
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-Score5
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 91.39% | ||
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 | ||
| Altman-Z | 0.62 |
F-Score5
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)-28.06%
EPS 3Y-2.79%
EPS 5YN/A
EPS Q2Q%-57.14%
EPS Next Y-42.01%
EPS Next 2Y-15.79%
EPS Next 3Y3.37%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-31.55%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-42.69%
Revenue Next Year-36.96%
Revenue Next 2Y-13.77%
Revenue Next 3Y6.54%
Revenue Next 5Y11.81%
EBIT growth 1Y-32.65%
EBIT growth 3Y7.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.43%
FCF growth 3Y31.23%
FCF growth 5YN/A
OCF growth 1Y-38.43%
OCF growth 3Y31.23%
OCF growth 5YN/A