ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis
USA - NYSE:ABR - US0389231087 - REIT
11.7101 USD
-0.16 (-1.35%)
ABR gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While ABR belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ABR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year ABR was profitable.
ABR had a positive operating cash flow in the past year.
Each year in the past 5 years ABR has been profitable.
In the past 5 years ABR always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of ABR (1.27%) is better than 87.88% of its industry peers.
Looking at the Return On Equity, with a value of 5.80%, ABR belongs to the top of the industry, outperforming 89.39% of the companies in the same industry.
ABR's Return On Invested Capital of 1.43% is amongst the best of the industry. ABR outperforms 86.36% of its industry peers.
ABR had an Average Return On Invested Capital over the past 3 years of 1.81%. This is in line with the industry average of 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 5.8% | ||
| ROIC | 1.43% |
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
1.3 Margins
Looking at the Profit Margin, with a value of 13.39%, ABR is in the better half of the industry, outperforming 77.27% of the companies in the same industry.
In the last couple of years the Profit Margin of ABR has declined.
ABR has a better Operating Margin (19.07%) than 80.30% of its industry peers.
In the last couple of years the Operating Margin of ABR has declined.
ABR's Gross Margin of 44.50% is amongst the best of the industry. ABR outperforms 86.36% of its industry peers.
ABR's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.07% | ||
| PM (TTM) | 13.39% | ||
| GM | 44.5% |
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ABR is destroying value.
ABR has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ABR has more shares outstanding
ABR has a better debt/assets ratio than last year.
2.2 Solvency
ABR has an Altman-Z score of 0.30. This is a bad value and indicates that ABR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.30, ABR belongs to the top of the industry, outperforming 86.36% of the companies in the same industry.
The Debt to FCF ratio of ABR is 31.18, which is on the high side as it means it would take ABR, 31.18 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ABR (31.18) is better than 80.30% of its industry peers.
ABR has a Debt/Equity ratio of 3.40. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ABR (3.40) is better than 68.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.4 | ||
| Debt/FCF | 31.18 | ||
| Altman-Z | 0.3 |
ROIC/WACC0.21
WACC6.78%
2.3 Liquidity
ABR has a Current Ratio of 80.25. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 80.25, ABR belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
ABR has a Quick Ratio of 80.25. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
ABR's Quick ratio of 80.25 is amongst the best of the industry. ABR outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 80.25 | ||
| Quick Ratio | 80.25 |
3. Growth
3.1 Past
ABR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.31%.
ABR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.79% yearly.
ABR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.62%.
Measured over the past years, ABR shows a very strong growth in Revenue. The Revenue has been growing by 21.64% on average per year.
EPS 1Y (TTM)-31.31%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-44.44%
Revenue 1Y (TTM)-17.62%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-21.87%
3.2 Future
Based on estimates for the next years, ABR will show a very negative growth in Earnings Per Share. The EPS will decrease by -21.42% on average per year.
ABR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.37% yearly.
EPS Next Y-40.36%
EPS Next 2Y-21.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-18.47%
Revenue Next 2Y-7.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 8.61, the valuation of ABR can be described as reasonable.
ABR's Price/Earnings ratio is a bit cheaper when compared to the industry. ABR is cheaper than 75.76% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.29. ABR is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.84, the valuation of ABR can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as ABR.
ABR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 10.84 |
4.2 Price Multiples
90.91% of the companies in the same industry are more expensive than ABR, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ABR indicates a rather cheap valuation: ABR is cheaper than 84.85% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.93 | ||
| EV/EBITDA | 46.79 |
4.3 Compensation for Growth
The decent profitability rating of ABR may justify a higher PE ratio.
ABR's earnings are expected to decrease with -21.42% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.27
EPS Next 2Y-21.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.42%, ABR is a good candidate for dividend investing.
ABR's Dividend Yield is comparable with the industry average which is at 12.06.
Compared to an average S&P500 Dividend Yield of 2.38, ABR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
5.2 History
The dividend of ABR is nicely growing with an annual growth rate of 12.05%!
ABR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)12.05%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ABR pays out 214.62% of its income as dividend. This is not a sustainable payout ratio.
ABR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP214.62%
EPS Next 2Y-21.42%
EPS Next 3YN/A
NYSE:ABR (10/17/2025, 11:25:35 AM)
11.7101
-0.16 (-1.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners61.21%
Inst Owner Change-0.01%
Ins Owners2.4%
Ins Owner Change1.75%
Market Cap2.25B
Analysts47.27
Price Target12.07 (3.07%)
Short Float %25.63%
Short Ratio19.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
Yearly Dividend2.09
Dividend Growth(5Y)12.05%
DP214.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.74%
Min EPS beat(2)2.68%
Max EPS beat(2)8.8%
EPS beat(4)4
Avg EPS beat(4)7.97%
Min EPS beat(4)2.68%
Max EPS beat(4)11.25%
EPS beat(8)8
Avg EPS beat(8)11.08%
EPS beat(12)11
Avg EPS beat(12)16.22%
EPS beat(16)14
Avg EPS beat(16)15.79%
Revenue beat(2)0
Avg Revenue beat(2)-7.43%
Min Revenue beat(2)-11.66%
Max Revenue beat(2)-3.21%
Revenue beat(4)1
Avg Revenue beat(4)-3.23%
Min Revenue beat(4)-11.66%
Max Revenue beat(4)4.78%
Revenue beat(8)4
Avg Revenue beat(8)1.15%
Revenue beat(12)8
Avg Revenue beat(12)50.32%
Revenue beat(16)12
Avg Revenue beat(16)85.96%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 10.84 | ||
| P/S | 1.75 | ||
| P/FCF | 6.93 | ||
| P/OCF | 6.58 | ||
| P/B | 0.76 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | 46.79 |
EPS(TTM)1.36
EY11.61%
EPS(NY)1.08
Fwd EY9.23%
FCF(TTM)1.69
FCFY14.42%
OCF(TTM)1.78
OCFY15.2%
SpS6.7
BVpS15.47
TBVpS15.02
PEG (NY)N/A
PEG (5Y)1.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 5.8% | ||
| ROCE | 1.81% | ||
| ROIC | 1.43% | ||
| ROICexc | 1.46% | ||
| ROICexgc | 1.52% | ||
| OM | 19.07% | ||
| PM (TTM) | 13.39% | ||
| GM | 44.5% | ||
| FCFM | 25.22% |
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
ROICexc(3y)1.9%
ROICexc(5y)2.04%
ROICexgc(3y)1.97%
ROICexgc(5y)2.12%
ROCE(3y)2.29%
ROCE(5y)2.48%
ROICexcg growth 3Y-5.22%
ROICexcg growth 5Y-4.7%
ROICexc growth 3Y-5.83%
ROICexc growth 5Y-4.77%
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
F-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.4 | ||
| Debt/FCF | 31.18 | ||
| Debt/EBITDA | 38.99 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.35 | ||
| Cash Conversion | 131.78% | ||
| Profit Quality | 188.38% | ||
| Current Ratio | 80.25 | ||
| Quick Ratio | 80.25 | ||
| Altman-Z | 0.3 |
F-Score5
WACC6.78%
ROIC/WACC0.21
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)220.9%
Profit Quality(5y)152.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.31%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-44.44%
EPS Next Y-40.36%
EPS Next 2Y-21.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.62%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-21.87%
Revenue Next Year-18.47%
Revenue Next 2Y-7.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-29.76%
EBIT growth 3Y-9.53%
EBIT growth 5Y11.4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.64%
FCF growth 3Y28.32%
FCF growth 5YN/A
OCF growth 1Y-21.63%
OCF growth 3Y28.64%
OCF growth 5YN/A