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Company Analysis

Advanced Flower Capital Inc. AFCG

A comprehensive view of key metrics, scores, and financial health for Advanced Flower Capital Inc.

Overview of Advanced Flower Capital Inc.

AFCG NGM
Real Estate REIT - Mortgage Framework: Mortgage REITs Micro Cap
Advanced Flower Capital Inc. (AFCG), is a Micro Cap company, in the REIT - Mortgage industry, last closed at $2.99, about 179.6% undervalued vs fair value, -2.9% 1Y return, ranked 267/338 in sector.
Metrics Rev Growth -46.0% ROE -11.0% Div Yield 30.04%
USD 2.99
-0.66%
(Delayed)
• Vol 90d: 43.0%
52-Week Range
Market Cap
$67.18M
Enterprise Value
$167.25M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 94%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

Website https://advancedflowercapital....
HQ West Palm Beach, FL
Fiscal year Dec 31

Next Events

Earnings Nov 5 Call: Nov 5

Fair Value Snapshot

Bear Base Bull
$5
$8
$16
Current: $2.99 +180% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$31.3M
-39.8%%
Interest Expense
$6.8M
Net Interest Income
$24.6M
-46.2%%
Total Revenue
$13.7M
-46%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-12.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$40.1M
245.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating Advanced Flower Capital Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.87).
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.62).

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.15).
  • Operational Inefficiency Operational efficiency lags peers (score 0.19).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Developing
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing AFCG's balance between Growth (6.5%), Profitability (28.0%), and Safety (65.6%). Growth 6% Safety 66% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

8th percentile vs peers
8
Key Signals
Equity Growth YoY -12.8% 13p EPS Growth YoY -2.16 12p NII Growth YoY -46.2% 6p Asset Growth YoY -31.4% 3p
Strengths
  • Net Interest Margin in top 20% of peers (8.9%, 96th percentile)
  • Equity/Assets in top 20% of peers (63.7%, 95th percentile)
  • Financial Leverage in top 20% of peers (1.80, 96th percentile)
  • D/E Ratio in top 20% of peers (55.4%, 86th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 8)
  • Equity Growth YoY in bottom 20% of peers (-12.8%)
  • EPS Growth YoY in bottom 20% of peers (-2.16)
  • NII Growth YoY in bottom 20% of peers (-46.2%)
  • Asset Growth YoY in bottom 20% of peers (-31.4%)

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

82th percentile vs peers
82
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Advanced Flower Capital Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$8.36
- - -
+179.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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