AFCG
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 10.68 | 11.79 | 8.74 | 14.50 |
| Price to Sales | 4.85 | 4.52 | 4.36 | 7.99 |
| Book Value Per Common Share | 9.02 | 15.64 | 16.65 | 16.61 |
| Price to Book | 0.92 | 0.77 | 0.94 | 1.37 |
| Price to Operating Cash Flow | 8.05 | 11.52 | 9.96 | 31.91 |
| Price to Free Cash Flow | 8.05 | 11.52 | 9.96 | 31.91 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | -6.72 | -7.47 | 30.94 | -166.60 | 170.17 |
| Price to Sales | -26.62 | 19.24 | 20.66 | 24.26 | 49.56 |
| Book Value Per Common Share | 7.49 | 8.18 | 8.89 | 9.02 | 9.42 |
| Price to Book | 0.51 | 0.55 | 0.63 | 0.92 | 1.08 |
| Price to Operating Cash Flow | 13.85 | 56.28 | 31.38 | 81.75 | 79.89 |
| Price to Free Cash Flow | 13.85 | 56.28 | 31.38 | 81.75 | 79.89 |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -23.53 | -43.33 | 14.65 | |
| Revenue YoY | -33.88 | -24.41 | 87.85 | |
| EBITDA YoY | ||||
| Net Profit YoY | -19.89 | -41.69 | 71.10 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | |||||
| Revenue YoY | -13.60 | -20.41 | 75.69 | ||
| EBITDA YoY | |||||
| Net Profit YoY |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 1.00 | 0.46 | 0.53 | 0.70 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.71 | 0.57 | 0.60 | 1.00 | 0.78 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 4.17 | 4.49 | 6.92 | 4.52 |
| ROE | 8.33 | 6.55 | 10.60 | 7.69 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 46.94 | 38.74 | 50.23 | 55.14 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | -4.33 | -4.53 | 1.26 | -0.25 | 0.38 |
| ROE | -7.38 | -7.13 | 2.03 | -0.49 | 0.67 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | -255.76 | 68.28 | -13.25 | 32.48 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 238.25 | 203.00 | 115.83 | 68.52 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | -27.13 | -39.48 | 181.18 | -728.27 | 940.95 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 402,057.31 | 466,585.05 | 519,176.90 | 464,848.36 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 103,610.46 | 90,381.83 | 140,372.84 | 109,246.05 |
| Short-Term Investments | 0 | 0 | 0 | 15,881.25 |
| Net Receivables | 1,982.90 | 5,553.44 | 5,257.48 | 4,412.94 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 15,881.25 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 200,681.17 | 146,532.83 | 180,117.53 | 191,773.19 |
| Payables and Expenses | 11,401.00 | 15,688.11 | 21,394.98 | 18,143.02 |
| Account Payables | 894.61 | 894.00 | 4,237.61 | 5,774.11 |
| Current Accrued Liabilities | 3,129.76 | 4,957.98 | 5,735.39 | 4,147.50 |
| Short-Term Debt | 100,000.00 | 42,000.00 | 60,000.00 | 74,845.35 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 88,612.15 | 88,014.56 | 97,131.78 | 96,572.66 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 201,376.14 | 320,052.22 | 339,059.37 | 273,075.17 |
| Shareholders Equity | 201,376.14 | 320,052.22 | 339,059.37 | 273,075.17 |
| Capital Stock | 223.33 | 204.58 | 203.64 | 163.87 |
| Share Premium | 251,865.76 | 349,805.89 | 348,817.91 | 274,172.93 |
| Retained Earnings | -50,712.95 | -29,958.24 | -9,962.19 | -1,092.88 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 0 | 0 | 0 | -168.75 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Debt | 188,612.15 | 130,014.56 | 157,131.78 | 171,418.01 |
| Net Debt | 85,001.69 | 39,632.73 | 16,758.94 | 62,171.96 |
| Common Shares Outstanding | 22,332.93 | 20,457.70 | 20,364.00 | 16,442.81 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 35,755.23 | 54,079.05 | 71,541.55 | 38,083.46 |
| Interest Income | 51,991.79 | 70,290.35 | 81,498.72 | 38,140.49 |
| Interest Expense | 6,336.31 | 6,357.46 | 6,814.07 | 1,126.85 |
| Non-Interest Expense | 17,284.05 | 21,556.00 | 23,405.36 | 14,398.46 |
| Selling, General and Administrative Expenses | 5,358.74 | 6,013.28 | 6,038.15 | 4,958.66 |
| EBT | 14,309.72 | 22,376.71 | 36,958.72 | 21,035.66 |
| Income Tax | 447.59 | 1,659.34 | 1,026.32 | 35.17 |
| Net Income Including Non-Controlling Interests | 16,784.21 | 20,952.00 | 35,932.40 | 21,000.50 |
| Net Income | 16,784.21 | 20,952.00 | 35,932.40 | 21,000.50 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 20,821.24 | 20,321.09 | 19,842.22 | 13,373.78 |
| Average Shares Outstanding Diluted | 20,888.98 | 20,345.92 | 19,957.74 | 13,808.84 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 21,557.67 | 21,228.93 | 31,321.97 | 9,538.56 |
| Operating Net Income | 13,862.14 | 20,717.38 | 35,932.40 | 21,000.50 |
| Deprecation and Amortization | 0 | 0 | 0 | 0 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 1,390.98 | 988.91 | 1,338.47 | 1,745.87 |
| Change in Working Capital | -942.23 | -4,597.47 | -1,058.14 | -4,803.65 |
| Other Operating Activities | 7,246.79 | 4,120.11 | -4,890.75 | -8,404.16 |
| Investing Cash Flow | -4,848.92 | 28,519.38 | -16,343.68 | -248,458.09 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 15,900.00 | -16,050.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 28,519.38 | -32,243.69 | -232,408.09 |
| Financing Cash Flow | -34,724.75 | -68,494.70 | 16,148.50 | 338,541.75 |
| Net Issuance/Repayment of Debt | 58,000.00 | -25,737.50 | -15,000.00 | 175,000.00 |
| Net Issuance/Repurchase of Equity | 15,723.06 | 0 | 0 | 0 |
| Dividends Paid | -39,988.75 | -42,532.20 | -41,619.27 | -14,389.69 |
| Other Financing Activities | -68,459.06 | -225.00 | 0 | 0 |
| Net Change in Cash | -18,015.99 | -18,746.39 | 31,126.79 | 99,622.23 |
| Cash at Beginning of Period | 121,626.45 | 140,372.84 | 109,246.05 | 9,623.82 |
| Cash at End of Period | 103,610.46 | 121,626.45 | 140,372.84 | 109,246.05 |
| Free Cash Flow | 21,557.67 | 21,228.93 | 31,321.97 | 9,538.56 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 288,717.22 | 290,589.96 | 321,655.29 | 402,057.31 | 366,618.41 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 45,120.39 | 3,410.07 | 3,318.30 | 103,610.46 | 122,163.73 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 781.23 | 1,577.59 | 1,816.08 | 1,982.90 | 1,473.64 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 119,378.40 | 105,858.88 | 120,854.80 | 200,681.17 | 160,557.10 |
| Payables and Expenses | 7,037.99 | 5,687.88 | 8,882.26 | 11,401.00 | 11,272.27 |
| Account Payables | 2,199.81 | 941.21 | 2,300.45 | 894.61 | 2,170.42 |
| Current Accrued Liabilities | 1,449.00 | 1,357.40 | 1,384.72 | 3,129.76 | 1,860.19 |
| Short-Term Debt | 22,000.00 | 10,400.00 | 22,250.00 | 100,000.00 | 60,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 89,057.90 | 88,907.68 | 88,759.10 | 88,612.15 | 88,461.94 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 169,338.82 | 184,731.07 | 200,800.49 | 201,376.14 | 206,061.31 |
| Shareholders Equity | 169,338.82 | 184,731.07 | 200,800.49 | 201,376.14 | 206,061.31 |
| Capital Stock | 225.94 | 225.95 | 225.96 | 223.33 | 218.82 |
| Share Premium | 253,388.83 | 252,901.39 | 252,416.88 | 251,865.76 | 248,194.05 |
| Retained Earnings | -84,275.96 | -68,396.27 | -51,842.35 | -50,712.95 | -42,351.55 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Debt | 111,057.90 | 99,307.68 | 111,009.10 | 188,612.15 | 148,461.94 |
| Net Debt | 65,937.51 | 95,897.62 | 107,690.80 | 85,001.69 | 26,298.20 |
| Common Shares Outstanding | 22,594.54 | 22,595.11 | 22,596.01 | 22,332.93 | 21,882.05 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | -3,181.48 | 5,147.36 | 5,957.50 | 7,485.38 | 4,260.61 |
| Interest Income | 8,162.07 | 8,061.51 | 8,458.25 | 9,224.07 | 10,455.02 |
| Interest Expense | 1,631.13 | 1,858.17 | 1,815.27 | 1,587.16 | 1,572.70 |
| Non-Interest Expense | 2,810.91 | 2,598.49 | 2,476.83 | 3,549.42 | 2,475.20 |
| Selling, General and Administrative Expenses | 1,161.78 | 1,330.25 | 1,288.71 | 1,285.59 | 1,075.95 |
| EBT | -13,365.17 | -13,302.69 | 4,180.09 | -1,374.54 | 1,604.05 |
| Income Tax | -874.66 | -138.04 | 112.41 | -383.00 | 386.26 |
| Net Income Including Non-Controlling Interests | -12,490.51 | -13,164.65 | 4,067.68 | -991.53 | 1,383.73 |
| Net Income | -12,490.51 | -13,164.65 | 4,067.68 | -991.53 | 1,383.73 |
| EPS | -0.00 | -0.00 | 0.00 | -0.00 | 0.00 |
| Diluted EPS | -0.00 | -0.00 | 0.00 | -0.00 | 0.00 |
| Average Shares Outstanding Basic | 22,114.76 | 22,114.34 | 22,097.98 | 21,797.70 | 20,684.15 |
| Average Shares Outstanding Diluted | 22,160.18 | 22,116.89 | 22,110.10 | 21,917.86 | 20,785.85 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 6,114.87 | 1,759.99 | 3,921.37 | 2,222.03 | 2,643.55 |
| Operating Net Income | -12,490.51 | -13,164.65 | 4,067.68 | -991.53 | -1,538.33 |
| Deprecation and Amortization | 0 | 0 | 0 | 0 | 0 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 487.44 | 484.50 | 553.75 | 259.77 | 218.64 |
| Change in Working Capital | 1,795.45 | -1,582.03 | 41.52 | -1,554.16 | -2,180.61 |
| Other Operating Activities | 16,322.49 | 16,022.17 | -741.58 | 4,507.95 | 6,143.85 |
| Investing Cash Flow | 27,394.73 | 15,529.77 | -19,077.66 | -56,935.68 | -6,990.14 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 27,394.73 | 15,529.77 | -19,077.66 | -56,935.68 | -6,990.14 |
| Financing Cash Flow | 8,200.73 | -17,198.00 | -85,135.87 | 36,160.38 | -43,787.73 |
| Net Issuance/Repayment of Debt | 11,600.00 | -11,850.00 | -77,750.00 | 40,000.00 | 25,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 3,512.39 | 0 |
| Dividends Paid | -3,389.27 | -5,197.08 | -7,369.87 | -7,221.08 | -13,020.27 |
| Other Financing Activities | 0 | 0 | 0 | -130.93 | 0 |
| Net Change in Cash | 41,710.32 | 91.76 | -100,292.16 | -18,553.27 | -48,134.32 |
| Cash at Beginning of Period | 3,410.07 | 3,318.30 | 103,610.46 | 122,163.73 | 170,298.05 |
| Cash at End of Period | 45,120.39 | 3,410.07 | 3,318.30 | 103,610.46 | 122,163.73 |
| Free Cash Flow | 6,114.87 | 1,759.99 | 3,921.37 | 2,222.03 | 2,643.55 |