AFC GAMMA INC (AFCG)
US00109K1051 - REIT
AFCG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 64 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 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.
Of the past 5 years AFCG 4 years were profitable.
Of the past 5 years AFCG 4 years had a positive operating cash flow.
1.2 Ratios
AFCG has a better Return On Assets (4.49%) than 96.88% of its industry peers.
AFCG has a Return On Equity of 6.55%. This is in the better half of the industry: AFCG outperforms 75.00% of its industry peers.
With an excellent Return On Invested Capital value of 7.99%, AFCG belongs to the best of the industry, outperforming 96.88% 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 1.58%.
The 3 year average ROIC (7.42%) for AFCG is below the current ROIC(7.99%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.49% | ||
| ROE | 6.55% | ||
| ROIC | 7.99% |
ROA(3y)5.31%
ROA(5y)N/A
ROE(3y)8.28%
ROE(5y)N/A
ROIC(3y)7.42%
ROIC(5y)N/A
1.3 Margins
AFCG's Profit Margin of 33.36% is amongst the best of the industry. AFCG outperforms 92.19% of its industry peers.
In the last couple of years the Profit Margin of AFCG has declined.
AFCG has a Operating Margin of 65.67%. This is amongst the best in the industry. AFCG outperforms 96.88% of its industry peers.
In the last couple of years the Operating Margin of AFCG has grown nicely.
AFCG has a Gross Margin of 77.61%. This is amongst the best in the industry. AFCG outperforms 93.75% of its industry peers.
AFCG's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 65.67% | ||
| PM (TTM) | 33.36% | ||
| GM | 77.61% |
OM growth 3Y4.53%
OM growth 5YN/A
PM growth 3Y-24.33%
PM growth 5YN/A
GM growth 3Y-5.98%
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.
Compared to 1 year ago, AFCG has a worse debt to assets ratio.
2.2 Solvency
AFCG has an Altman-Z score of 1.51. 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 1.51, AFCG belongs to the top of the industry, outperforming 85.94% of the companies in the same industry.
The Debt to FCF ratio of AFCG is 4.15, which is a neutral value as it means it would take AFCG, 4.15 years of fcf income to pay off all of its debts.
AFCG has a better Debt to FCF ratio (4.15) than 98.44% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that AFCG is not too dependend on debt financing.
AFCG's Debt to Equity ratio of 0.28 is amongst the best of the industry. AFCG outperforms 98.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 4.15 | ||
| Altman-Z | 1.51 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.13 indicates that AFCG has no problem at all paying its short term obligations.
AFCG's Current ratio of 2.13 is amongst the best of the industry. AFCG outperforms 87.50% of its industry peers.
A Quick Ratio of 2.13 indicates that AFCG has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.13, AFCG belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.13 | ||
| Quick Ratio | 2.13 |
3. Growth
3.1 Past
The earnings per share for AFCG have decreased strongly by -19.05% in the last year.
Measured over the past years, AFCG shows a very strong growth in Earnings Per Share. The EPS has been growing by 67.28% on average per year.
The Revenue for AFCG has decreased by -16.36% in the past year. This is quite bad
The Revenue has been growing by 123.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-19.05%
EPS 3Y67.28%
EPS 5YN/A
EPS growth Q2Q-20.97%
Revenue 1Y (TTM)-16.36%
Revenue growth 3Y123.88%
Revenue growth 5YN/A
Revenue growth Q2Q-19.43%
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 7.57% on average per year.
AFCG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.40% yearly.
EPS Next Y1.83%
EPS Next 2Y2.87%
EPS Next 3Y5.97%
EPS Next 5Y7.57%
Revenue Next Year3.58%
Revenue Next 2Y5.09%
Revenue Next 3Y3.36%
Revenue Next 5Y5.4%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.77, which indicates a rather cheap valuation of AFCG.
AFCG's Price/Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 87.50% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Earnings ratio to 24.84, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.67 indicates a rather cheap valuation of AFCG.
AFCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 92.19% of the companies in the same industry.
AFCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 5.67 |
4.2 Price Multiples
AFCG's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AFCG does not grow enough to justify the current Price/Earnings ratio.
AFCG has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)3.16
PEG (5Y)N/A
EPS Next 2Y2.87%
EPS Next 3Y5.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 16.41%, AFCG is a good candidate for dividend investing.
AFCG's Dividend Yield is rather good when compared to the industry average which is at 13.17. AFCG pays more dividend than 93.75% of the companies in the same industry.
AFCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.41% |
5.2 History
AFCG has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
202.91% of the earnings are spent on dividend by AFCG. This is not a sustainable payout ratio.
DP202.91%
EPS Next 2Y2.87%
EPS Next 3Y5.97%
AFC GAMMA INC
NASDAQ:AFCG (4/29/2024, 12:12:49 PM)
11.78
-0.04 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap243.49M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.41% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 5.67 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)3.16
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.49% | ||
| ROE | 6.55% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 65.67% | ||
| PM (TTM) | 33.36% | ||
| GM | 77.61% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.13 | ||
| Quick Ratio | 2.13 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-19.05%
EPS 3Y67.28%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.83%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-16.36%
Revenue growth 3Y123.88%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y