ANGEL OAK MORTGAGE REIT INC (AOMR) Stock Fundamental Analysis
NYSE:AOMR - New York Stock Exchange, Inc. - US03464Y1082 - REIT - Currency: USD
Taking everything into account, AOMR scores 6 out of 10 in our fundamental rating. AOMR was compared to 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AOMR has an excellent profitability rating, but there are concerns on its financial health. AOMR is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
AOMR had positive earnings in the past year.
AOMR had a negative operating cash flow in the past year.
AOMR had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: AOMR reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 1.26%, AOMR belongs to the best of the industry, outperforming 81.54% of the companies in the same industry.
With an excellent Return On Equity value of 11.99%, AOMR belongs to the best of the industry, outperforming 95.38% of the companies in the same industry.
With a Return On Invested Capital value of 0.70%, AOMR perfoms like the industry average, outperforming 53.85% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AOMR is in line with the industry average of 1.71%.
The last Return On Invested Capital (0.70%) for AOMR is above the 3 year average (0.64%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.99% | ||
| ROIC | 0.7% |
ROA(3y)-1.22%
ROA(5y)-0.54%
ROE(3y)-18.1%
ROE(5y)-9.94%
ROIC(3y)0.64%
ROIC(5y)1.32%
1.3 Margins
With an excellent Profit Margin value of 77.57%, AOMR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of AOMR has grown nicely.
AOMR has a Operating Margin of 49.45%. This is amongst the best in the industry. AOMR outperforms 92.31% of its industry peers.
In the last couple of years the Operating Margin of AOMR has grown nicely.
AOMR's Gross Margin of 89.71% is amongst the best of the industry. AOMR outperforms 95.38% of its industry peers.
In the last couple of years the Gross Margin of AOMR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 49.45% | ||
| PM (TTM) | 77.57% | ||
| GM | 89.71% |
OM growth 3Y-9.35%
OM growth 5Y2.62%
PM growth 3Y21.67%
PM growth 5Y12.2%
GM growth 3Y-3.55%
GM growth 5Y2.48%
2. Health
2.1 Basic Checks
Compared to 1 year ago, AOMR has less shares outstanding
The number of shares outstanding for AOMR has been reduced compared to 5 years ago.
The debt/assets ratio for AOMR is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.14, we must say that AOMR is in the distress zone and has some risk of bankruptcy.
AOMR's Altman-Z score of -0.14 is in line compared to the rest of the industry. AOMR outperforms 46.15% of its industry peers.
AOMR has a Debt/Equity ratio of 7.62. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 7.62, AOMR is doing worse than 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.62 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.14 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.19 indicates that AOMR may have some problems paying its short term obligations.
The Current ratio of AOMR (0.19) is comparable to the rest of the industry.
AOMR has a Quick Ratio of 0.19. This is a bad value and indicates that AOMR is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.19, AOMR perfoms like the industry average, outperforming 52.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 |
3. Growth
3.1 Past
AOMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 126.09%, which is quite impressive.
Measured over the past years, AOMR shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.43% on average per year.
Looking at the last year, AOMR shows a very strong growth in Revenue. The Revenue has grown by 27.76%.
AOMR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.67% yearly.
EPS 1Y (TTM)126.09%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%261.54%
Revenue 1Y (TTM)27.76%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%19.68%
3.2 Future
Based on estimates for the next years, AOMR will show a very strong growth in Earnings Per Share. The EPS will grow by 65.36% on average per year.
The Revenue is expected to grow by 7.97% on average over the next years.
EPS Next Y326.46%
EPS Next 2Y117.71%
EPS Next 3Y65.36%
EPS Next 5YN/A
Revenue Next Year25.58%
Revenue Next 2Y16.1%
Revenue Next 3Y7.97%
Revenue Next 5YN/A
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 32.01, which means the current valuation is very expensive for AOMR.
Based on the Price/Earnings ratio, AOMR is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
AOMR is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.75, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.51, the valuation of AOMR can be described as very cheap.
70.77% of the companies in the same industry are more expensive than AOMR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.49, AOMR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.01 | ||
| Fwd PE | 7.51 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AOMR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AOMR has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as AOMR's earnings are expected to grow with 65.36% in the coming years.
PEG (NY)0.1
PEG (5Y)0.75
EPS Next 2Y117.71%
EPS Next 3Y65.36%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 15.02%, AOMR is a good candidate for dividend investing.
AOMR's Dividend Yield is a higher than the industry average which is at 14.23.
Compared to an average S&P500 Dividend Yield of 2.44, AOMR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.02% |
5.2 History
AOMR has been paying a dividend for over 5 years, so it has already some track record.
AOMR has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
AOMR pays out 108.36% of its income as dividend. This is not a sustainable payout ratio.
DP108.36%
EPS Next 2Y117.71%
EPS Next 3Y65.36%
NYSE:AOMR (5/2/2025, 3:55:46 PM)
9.6025
+0.11 (+1.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners74.7%
Inst Owner Change0.09%
Ins Owners2.83%
Ins Owner Change0.05%
Market Cap225.66M
Analysts80
Price Target11.56 (20.39%)
Short Float %0.38%
Short Ratio0.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.02% |
Yearly Dividend1.28
Dividend Growth(5Y)N/A
DP108.36%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-50.57%
Min EPS beat(2)-155.27%
Max EPS beat(2)54.14%
EPS beat(4)1
Avg EPS beat(4)-70.33%
Min EPS beat(4)-155.27%
Max EPS beat(4)54.14%
EPS beat(8)1
Avg EPS beat(8)-178.92%
EPS beat(12)3
Avg EPS beat(12)-210.6%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-9.53%
Min Revenue beat(2)-10.82%
Max Revenue beat(2)-8.23%
Revenue beat(4)0
Avg Revenue beat(4)-8.24%
Min Revenue beat(4)-10.82%
Max Revenue beat(4)-3.27%
Revenue beat(8)0
Avg Revenue beat(8)-15.75%
Revenue beat(12)0
Avg Revenue beat(12)-22.42%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-7.17%
PT rev (3m)-6.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.62%
EPS NY rev (1m)0.69%
EPS NY rev (3m)-1.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.47%
Revenue NY rev (1m)-4.48%
Revenue NY rev (3m)-4.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.01 | ||
| Fwd PE | 7.51 | ||
| P/S | 6.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.94 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY3.12%
EPS(NY)1.28
Fwd EY13.32%
FCF(TTM)-9.42
FCFYN/A
OCF(TTM)-9.42
OCFYN/A
SpS1.57
BVpS10.17
TBVpS10.17
PEG (NY)0.1
PEG (5Y)0.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.99% | ||
| ROCE | 0.91% | ||
| ROIC | 0.7% | ||
| ROICexc | 0.71% | ||
| ROICexgc | 0.72% | ||
| OM | 49.45% | ||
| PM (TTM) | 77.57% | ||
| GM | 89.71% | ||
| FCFM | N/A |
ROA(3y)-1.22%
ROA(5y)-0.54%
ROE(3y)-18.1%
ROE(5y)-9.94%
ROIC(3y)0.64%
ROIC(5y)1.32%
ROICexc(3y)0.65%
ROICexc(5y)1.4%
ROICexgc(3y)0.66%
ROICexgc(5y)1.4%
ROCE(3y)0.85%
ROCE(5y)2.27%
ROICexcg growth 3Y-10.97%
ROICexcg growth 5Y-4.36%
ROICexc growth 3Y-11.11%
ROICexc growth 5Y-4.49%
OM growth 3Y-9.35%
OM growth 5Y2.62%
PM growth 3Y21.67%
PM growth 5Y12.2%
GM growth 3Y-3.55%
GM growth 5Y2.48%
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.62 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.28 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 | ||
| Altman-Z | -0.14 |
F-Score4
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)126.09%
EPS 3Y11.75%
EPS 5Y42.43%
EPS Q2Q%261.54%
EPS Next Y326.46%
EPS Next 2Y117.71%
EPS Next 3Y65.36%
EPS Next 5YN/A
Revenue 1Y (TTM)27.76%
Revenue growth 3Y-9.05%
Revenue growth 5Y25.67%
Sales Q2Q%19.68%
Revenue Next Year25.58%
Revenue Next 2Y16.1%
Revenue Next 3Y7.97%
Revenue Next 5YN/A
EBIT growth 1Y96.17%
EBIT growth 3Y-17.55%
EBIT growth 5Y28.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-172.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-172.27%
OCF growth 3YN/A
OCF growth 5YN/A