ADVANCED FLOWER CAPITAL INC (AFCG) Stock Fundamental Analysis
USA - NASDAQ:AFCG - US00109K1051 - REIT
4.21 USD
+0.04 (+0.96%)
Overall AFCG gets a fundamental rating of 5 out of 10. We evaluated AFCG against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AFCG has an average financial health and profitability rating. 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.
Each year in the past 5 years AFCG has been profitable.
Each year in the past 5 years AFCG had a positive operating cash flow.
1.2 Ratios
AFCG has a Return On Assets of -3.00%. This is amonst the worse of the industry: AFCG underperforms 80.60% of its industry peers.
AFCG has a Return On Equity of -4.71%. This is in the lower half of the industry: AFCG underperforms 71.64% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.08%, AFCG belongs to the top of the industry, outperforming 97.01% of the companies in the same industry.
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.
Looking at the Operating Margin, with a value of 62.20%, AFCG belongs to the top of the industry, outperforming 97.01% 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.
The Gross Margin of AFCG (84.98%) is better than 94.03% 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 | 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
AFCG has more shares outstanding than it did 1 year ago.
AFCG has a worse debt/assets ratio than last year.
2.2 Solvency
AFCG has an Altman-Z score of 0.51. 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 (0.51) is better than 88.06% 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.
The Debt to FCF ratio of AFCG (9.42) is better than 97.01% 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 95.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 9.42 | ||
| Altman-Z | 0.51 |
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.
Looking at the Current ratio, with a value of 0.79, AFCG is in the better half of the industry, outperforming 65.67% of the companies in the same industry.
A Quick Ratio of 0.79 indicates that AFCG may have some problems paying its short term obligations.
The Quick ratio of AFCG (0.79) is better than 65.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
The earnings per share for AFCG have decreased strongly by -50.74% in the last year.
The Earnings Per Share has been decreasing by -2.79% on average over the past years.
AFCG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -53.37%.
The Revenue has been growing slightly by 6.74% on average over the past years.
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
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.
AFCG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
EPS Next Y-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue Next Year-50.63%
Revenue Next 2Y-24.6%
Revenue Next 3Y-17.31%
Revenue Next 5Y11.81%
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 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 4.21, the valuation of AFCG can be described as very cheap.
AFCG's Price/Earnings ratio is rather cheap when compared to the industry. AFCG is cheaper than 97.01% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, AFCG is valued rather cheaply.
The Price/Forward Earnings ratio is 3.75, which 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 98.51% of the companies in the same industry.
AFCG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.21 | ||
| Fwd PE | 3.75 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AFCG is valued a bit cheaper than 77.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.02 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AFCG may justify a higher PE ratio.
AFCG's earnings are expected to decrease with -7.77% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 19.11%, AFCG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 10.94, AFCG pays a better dividend. On top of this AFCG pays more dividend than 97.01% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.11% |
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-376.9%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
NASDAQ:AFCG (9/23/2025, 11:58:00 AM)
4.21
+0.04 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners31.2%
Inst Owner Change-3.78%
Ins Owners20.04%
Ins Owner Change19.06%
Market Cap95.10M
Analysts73.85
Price Target8.29 (96.91%)
Short Float %8.5%
Short Ratio5.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.11% |
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)-7.25%
PT rev (3m)-10.32%
EPS NQ rev (1m)-14.38%
EPS NQ rev (3m)-16.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.75%
Revenue NQ rev (1m)-24.3%
Revenue NQ rev (3m)-23.68%
Revenue NY rev (1m)-21%
Revenue NY rev (3m)-21.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.21 | ||
| Fwd PE | 3.75 | ||
| P/S | 3.24 | ||
| P/FCF | 9.02 | ||
| P/OCF | 9.02 | ||
| P/B | 0.51 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY23.75%
EPS(NY)1.12
Fwd EY26.67%
FCF(TTM)0.47
FCFY11.09%
OCF(TTM)0.47
OCFY11.09%
SpS1.3
BVpS8.18
TBVpS8.18
PEG (NY)N/A
PEG (5Y)N/A
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%
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-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 | 0.51 |
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-45.23%
EPS Next 2Y-18.49%
EPS Next 3Y-7.77%
EPS Next 5Y9.93%
Revenue 1Y (TTM)-53.37%
Revenue growth 3Y6.74%
Revenue growth 5YN/A
Sales Q2Q%-63.87%
Revenue Next Year-50.63%
Revenue Next 2Y-24.6%
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