USPH
U.S. Physical Therapy, Inc.
Medical - Care Facilities
Market Cap$1.12B
5Y Perf.-29.3%
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Stock Comparison
USPH vs AFCG
Revenue, margins, valuation, and 5-year total return — side by side.
AFCG
Advanced Flower Capital Inc.
REIT - Specialty
Market Cap$65M
5Y Perf.-80.7%
USPH vs AFCG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | USPH | AFCG |
|---|---|---|
| Industry | Medical - Care Facilities | REIT - Specialty |
| Market Cap | $1.12B | $65M |
| Revenue (TTM) | $695M | $2M |
| Net Income (TTM) | $11M | $-21M |
| Gross Margin | 22.0% | 66.0% |
| Operating Margin | 12.2% | -393.9% |
| Forward P/E | 25.7x | — |
| Total Debt | $426M | $76M |
| Cash & Equiv. | $36M | $39M |
USPH vs AFCG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
USPH
AFCG
| Stock | Mar 21 | May 26 | Return |
|---|---|---|---|
| U.S. Physical Thera… (USPH) | 100 | 70.7 | -29.3% |
| Advanced Flower Cap… (AFCG) | 100 | 19.3 | -80.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: USPH vs AFCG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: USPH leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Advanced Flower Capital Inc. is the stronger pick specifically for valuation and capital efficiency. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
USPH
U.S. Physical Therapy, Inc.
The Income Pick
USPH carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 5 yrs, beta 0.93, yield 2.4%
- Rev growth 16.3%, EPS growth -22.8%, 3Y rev CAGR 12.2%
- 52.5% 10Y total return vs AFCG's -44.4%
Best for: income & stability and growth exposure
AFCG
Advanced Flower Capital Inc.
The Real Estate Income Play
AFCG is the clearest fit if your priority is defensive.
- Beta 1.86, yield 31.3%, current ratio 3.24x
- Better valuation composite
Best for: defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | USPH | 16.3% revenue growth vs AFCG's -39.6% |
| Value | AFCG | Better valuation composite |
| Quality / Margins | USPH | 1.5% margin vs AFCG's -9.8% |
| Stability / Safety | USPH | Beta 0.93 vs AFCG's 1.86 |
| Dividends | USPH | 2.4% yield, 5-year raise streak, vs AFCG's 31.3% |
| Momentum (1Y) | USPH | +5.4% vs AFCG's -41.2% |
| Efficiency (ROA) | USPH | 0.9% ROA vs AFCG's -7.0%, ROIC 5.6% vs -4.1% |
USPH vs AFCG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
USPH vs AFCG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLUSPHLAGGINGAFCG
AFCGAdvanced Flower Capit…
2leads
USPHU.S. Physical Therapy…
2leads
6 Total Categories
CATEGORYLEADERvs AFCGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AFCG4/6
Valuation MetricsMultiples, price ratios, and targets
AFCG3/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
USPH6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
USPH2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
AFCG leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
USPH is the larger business by revenue, generating $695M annually — 329.9x AFCG's $2M. USPH is the more profitable business, keeping 1.5% of every revenue dollar as net income compared to AFCG's -9.8%. On growth, AFCG holds the edge at +185.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| RevenueTrailing 12 months | $695M | $2M |
| EBITDAEarnings before interest/tax | $107M | -$15M |
| Net IncomeAfter-tax profit | $11M | -$21M |
| Free Cash FlowCash after capex | $67M | $11M |
| Gross MarginGross profit ÷ Revenue | +22.0% | +66.0% |
| Operating MarginEBIT ÷ Revenue | +12.2% | -3.9% |
| Net MarginNet income ÷ Revenue | +1.5% | -9.8% |
| FCF MarginFCF ÷ Revenue | +9.6% | +5.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.7% | +185.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -115.0% | +174.7% |
AFCG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
AFCG leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| Market CapShares × price | $1.1B | $65M |
| Enterprise ValueMkt cap + debt − cash | $1.5B | $103M |
| Trailing P/EPrice ÷ TTM EPS | 51.84x | -2.92x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.74x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 14.68x | — |
| Price / SalesMarket cap ÷ Revenue | 1.43x | 2.08x |
| Price / BookPrice ÷ Book value/share | 1.45x | 0.35x |
| Price / FCFMarket cap ÷ FCF | 18.35x | 5.80x |
AFCG leads this category, winning 3 of 4 comparable metrics.
Profitability & Efficiency
USPH leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
USPH delivers a 1.4% return on equity — every $100 of shareholder capital generates $1 in annual profit, vs $-11 for AFCG. AFCG carries lower financial leverage with a 0.43x debt-to-equity ratio, signaling a more conservative balance sheet compared to USPH's 0.55x. On the Piotroski fundamental quality scale (0–9), USPH scores 5/9 vs AFCG's 4/9, reflecting solid financial health.
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | -11.3% |
| ROA (TTM)Return on assets | +0.9% | -7.0% |
| ROICReturn on invested capital | +5.6% | -4.1% |
| ROCEReturn on capital employed | +7.6% | -5.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 |
| Debt / EquityFinancial leverage | 0.55x | 0.43x |
| Net DebtTotal debt minus cash | $390M | $38M |
| Cash & Equiv.Liquid assets | $36M | $39M |
| Total DebtShort + long-term debt | $426M | $76M |
| Interest CoverageEBIT ÷ Interest expense | 15.42x | -2.02x |
USPH leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — USPH and AFCG each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in USPH five years ago would be worth $7,031 today (with dividends reinvested), compared to $5,497 for AFCG. Over the past 12 months, USPH leads with a +5.4% total return vs AFCG's -41.2%. The 3-year compound annual growth rate (CAGR) favors AFCG at -8.9% vs USPH's -11.6% — a key indicator of consistent wealth creation.
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| YTD ReturnYear-to-date | -6.1% | -1.1% |
| 1-Year ReturnPast 12 months | +5.4% | -41.2% |
| 3-Year ReturnCumulative with dividends | -30.9% | -24.4% |
| 5-Year ReturnCumulative with dividends | -29.7% | -45.0% |
| 10-Year ReturnCumulative with dividends | +52.5% | -44.4% |
| CAGR (3Y)Annualised 3-year return | -11.6% | -8.9% |
Evenly matched — USPH and AFCG each lead in 3 of 6 comparable metrics.
Risk & Volatility
USPH leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
USPH is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than AFCG's 1.86 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. USPH currently trades 78.7% from its 52-week high vs AFCG's 47.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.86x |
| 52-Week HighHighest price in past year | $93.50 | $5.87 |
| 52-Week LowLowest price in past year | $66.67 | $2.06 |
| % of 52W HighCurrent price vs 52-week peak | +78.7% | +47.2% |
| RSI (14)Momentum oscillator 0–100 | 36.2 | 53.1 |
| Avg Volume (50D)Average daily shares traded | 164K | 218K |
USPH leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — USPH and AFCG each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, AFCG offers the higher dividend yield at 31.34% vs USPH's 2.45%.
| Metric | USPHU.S. Physical The… | AFCGAdvanced Flower C… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | — |
| Price TargetConsensus 12-month target | $102.00 | — |
| # AnalystsCovering analysts | 12 | — |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +31.3% |
| Dividend StreakConsecutive years of raises | 5 | 0 |
| Dividend / ShareAnnual DPS | $1.80 | $0.87 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.5% | 0.0% |
Evenly matched — USPH and AFCG each lead in 1 of 2 comparable metrics.
Key Takeaway
AFCG leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). USPH leads in 2 (Profitability & Efficiency, Risk & Volatility). 2 tied.
Best OverallU.S. Physical Therapy, Inc. (USPH)Leads 2 of 6 categories
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USPH vs AFCG: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is USPH or AFCG a better buy right now?
For growth investors, U.
S. Physical Therapy, Inc. (USPH) is the stronger pick with 16. 3% revenue growth year-over-year, versus -39. 6% for Advanced Flower Capital Inc. (AFCG). U. S. Physical Therapy, Inc. (USPH) offers the better valuation at 51. 8x trailing P/E (25. 7x forward), making it the more compelling value choice. Analysts rate U. S. Physical Therapy, Inc. (USPH) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — USPH or AFCG?
Over the past 5 years, U.
S. Physical Therapy, Inc. (USPH) delivered a total return of -29. 7%, compared to -45. 0% for Advanced Flower Capital Inc. (AFCG). Over 10 years, the gap is even starker: USPH returned +52. 5% versus AFCG's -44. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — USPH or AFCG?
By beta (market sensitivity over 5 years), U.
S. Physical Therapy, Inc. (USPH) is the lower-risk stock at 0. 93β versus Advanced Flower Capital Inc. 's 1. 86β — meaning AFCG is approximately 100% more volatile than USPH relative to the S&P 500. On balance sheet safety, Advanced Flower Capital Inc. (AFCG) carries a lower debt/equity ratio of 43% versus 55% for U. S. Physical Therapy, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — USPH or AFCG?
By revenue growth (latest reported year), U.
S. Physical Therapy, Inc. (USPH) is pulling ahead at 16. 3% versus -39. 6% for Advanced Flower Capital Inc. (AFCG). On earnings-per-share growth, the picture is similar: U. S. Physical Therapy, Inc. grew EPS -22. 8% year-over-year, compared to -218. 8% for Advanced Flower Capital Inc.. Over a 3-year CAGR, USPH leads at 12. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — USPH or AFCG?
U.
S. Physical Therapy, Inc. (USPH) is the more profitable company, earning 1. 9% net margin versus -66. 0% for Advanced Flower Capital Inc. — meaning it keeps 1. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: USPH leads at 10. 3% versus -43. 6% for AFCG. At the gross margin level — before operating expenses — AFCG leads at 90. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — USPH or AFCG?
All stocks in this comparison pay dividends.
Advanced Flower Capital Inc. (AFCG) offers the highest yield at 31. 3%, versus 2. 4% for U. S. Physical Therapy, Inc. (USPH).
07Is USPH or AFCG better for a retirement portfolio?
For long-horizon retirement investors, U.
S. Physical Therapy, Inc. (USPH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 93), 2. 4% yield). Advanced Flower Capital Inc. (AFCG) carries a higher beta of 1. 86 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (USPH: +52. 5%, AFCG: -44. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between USPH and AFCG?
These companies operate in different sectors (USPH (Healthcare) and AFCG (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: USPH is a small-cap high-growth stock; AFCG is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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