APOLLO COMMERCIAL REAL ESTAT (ARI) Fundamental Analysis & Valuation

NYSE:ARI • US03762U1051

Current stock price

11.04 USD
+0.1 (+0.91%)
At close:
10.9734 USD
-0.07 (-0.6%)
After Hours:

This ARI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ARI Profitability Analysis

1.1 Basic Checks

  • ARI had positive earnings in the past year.
  • In the past year ARI had a positive cash flow from operations.
  • ARI had positive earnings in 4 of the past 5 years.
  • In the past 5 years ARI always reported a positive cash flow from operatings.
ARI Yearly Net Income VS EBIT VS OCF VS FCFARI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.13%, ARI is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
  • ARI's Return On Equity of 6.03% is in line compared to the rest of the industry. ARI outperforms 58.82% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.99%, ARI is in the better half of the industry, outperforming 67.65% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ARI is in line with the industry average of 1.29%.
Industry RankSector Rank
ROA 1.13%
ROE 6.03%
ROIC 0.99%
ROA(3y)-0.01%
ROA(5y)1.01%
ROE(3y)0.23%
ROE(5y)4.05%
ROIC(3y)1.47%
ROIC(5y)1.71%
ARI Yearly ROA, ROE, ROICARI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • ARI's Profit Margin of 15.30% is fine compared to the rest of the industry. ARI outperforms 60.29% of its industry peers.
  • In the last couple of years the Profit Margin of ARI has grown nicely.
  • With a Operating Margin value of 15.53%, ARI perfoms like the industry average, outperforming 51.47% of the companies in the same industry.
  • ARI's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 37.12%, ARI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • ARI's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 15.53%
PM (TTM) 15.3%
GM 37.12%
OM growth 3Y-21.24%
OM growth 5Y-20.73%
PM growth 3Y-29.33%
PM growth 5Y115.72%
GM growth 3Y-11.13%
GM growth 5Y-10.65%
ARI Yearly Profit, Operating, Gross MarginsARI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. ARI Health Analysis

2.1 Basic Checks

  • ARI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, ARI has more shares outstanding
  • ARI has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ARI has a worse debt to assets ratio.
ARI Yearly Shares OutstandingARI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
ARI Yearly Total Debt VS Total AssetsARI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • ARI has an Altman-Z score of 0.04. This is a bad value and indicates that ARI is not financially healthy and even has some risk of bankruptcy.
  • ARI has a Altman-Z score of 0.04. This is in the better half of the industry: ARI outperforms 70.59% of its industry peers.
  • The Debt to FCF ratio of ARI is 187.14, which is on the high side as it means it would take ARI, 187.14 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 187.14, ARI is doing worse than 69.12% of the companies in the same industry.
  • ARI has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
  • ARI has a better Debt to Equity ratio (3.89) than 67.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 187.14
Altman-Z 0.04
ROIC/WACC0.16
WACC6.28%
ARI Yearly LT Debt VS Equity VS FCFARI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

  • ARI has a Current Ratio of 0.26. This is a bad value and indicates that ARI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of ARI (0.26) is better than 72.06% of its industry peers.
  • A Quick Ratio of 0.26 indicates that ARI may have some problems paying its short term obligations.
  • ARI's Quick ratio of 0.26 is fine compared to the rest of the industry. ARI outperforms 72.06% of its industry peers.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
ARI Yearly Current Assets VS Current LiabilitesARI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. ARI Growth Analysis

3.1 Past

  • The earnings per share for ARI have decreased strongly by -14.75% in the last year.
  • ARI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.72% yearly.
  • ARI shows a decrease in Revenue. In the last year, the revenue decreased by -9.40%.
  • The Revenue has been growing by 11.34% on average over the past years. This is quite good.
EPS 1Y (TTM)-14.75%
EPS 3Y-8.42%
EPS 5Y28.72%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)-9.4%
Revenue growth 3Y8.42%
Revenue growth 5Y11.34%
Sales Q2Q%-8.65%

3.2 Future

  • ARI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.07% yearly.
  • Based on estimates for the next years, ARI will show a small growth in Revenue. The Revenue will grow by 0.28% on average per year.
EPS Next Y-106.03%
EPS Next 2Y3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.83%
Revenue Next 2Y0.28%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ARI Yearly Revenue VS EstimatesARI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
ARI Yearly EPS VS EstimatesARI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5

More info and screens

Find the best growth stocksShow best growing peers

5

4. ARI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.62, the valuation of ARI can be described as reasonable.
  • 66.18% of the companies in the same industry are more expensive than ARI, based on the Price/Earnings ratio.
  • ARI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • ARI is valuated reasonably with a Price/Forward Earnings ratio of 9.80.
  • The rest of the industry has a similar Price/Forward Earnings ratio as ARI.
  • ARI is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.62
Fwd PE 9.8
ARI Price Earnings VS Forward Price EarningsARI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • ARI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ARI is cheaper than 70.59% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ARI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 36.21
EV/EBITDA 74.6
ARI Per share dataARI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y3.07%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. ARI Dividend Analysis

5.1 Amount

  • ARI has a Yearly Dividend Yield of 9.14%, which is a nice return.
  • With a Dividend Yield of 9.14, ARI pays less dividend than the industry average, which is at 12.45. 88.24% of the companies listed in the same industry pay a better dividend than ARI!
  • ARI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 9.14%

5.2 History

  • The dividend of ARI decreases each year by -8.38%.
  • ARI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.38%
Div Incr Years0
Div Non Decr Years0
ARI Yearly Dividends per shareARI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 137.20% of the earnings are spent on dividend by ARI. This is not a sustainable payout ratio.
DP137.2%
EPS Next 2Y3.07%
EPS Next 3YN/A
ARI Yearly Income VS Free CF VS DividendARI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
ARI Dividend Payout.ARI Dividend Payout, showing the Payout Ratio.ARI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ARI Fundamentals: All Metrics, Ratios and Statistics

APOLLO COMMERCIAL REAL ESTAT

NYSE:ARI (5/1/2026, 8:10:01 PM)

After market: 10.9734 -0.07 (-0.6%)

11.04

+0.1 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Industry Strength41.61
Industry Growth86.96
Earnings (Last)04-28
Earnings (Next)07-27
Inst Owners70.32%
Inst Owner Change-0.57%
Ins Owners0.65%
Ins Owner Change7.27%
Market Cap1.53B
Revenue(TTM)731.68M
Net Income(TTM)111.91M
Analysts82.22
Price Target11.73 (6.25%)
Short Float %4.14%
Short Ratio4.09
Dividend
Industry RankSector Rank
Dividend Yield 9.14%
Yearly Dividend1.11
Dividend Growth(5Y)-8.38%
DP137.2%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.59%
Min EPS beat(2)6.37%
Max EPS beat(2)38.8%
EPS beat(4)4
Avg EPS beat(4)15.48%
Min EPS beat(4)4.64%
Max EPS beat(4)38.8%
EPS beat(8)8
Avg EPS beat(8)18.61%
EPS beat(12)11
Avg EPS beat(12)3.76%
EPS beat(16)14
Avg EPS beat(16)3.22%
Revenue beat(2)0
Avg Revenue beat(2)-12.54%
Min Revenue beat(2)-16.96%
Max Revenue beat(2)-8.12%
Revenue beat(4)0
Avg Revenue beat(4)-13.75%
Min Revenue beat(4)-20.78%
Max Revenue beat(4)-8.12%
Revenue beat(8)0
Avg Revenue beat(8)-10.85%
Revenue beat(12)0
Avg Revenue beat(12)-10.22%
Revenue beat(16)4
Avg Revenue beat(16)17.84%
PT rev (1m)0%
PT rev (3m)6.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)25%
EPS NY rev (1m)-108.26%
EPS NY rev (3m)-106.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.31%
Valuation
Industry RankSector Rank
PE 10.62
Fwd PE 9.8
P/S 2.09
P/FCF 36.21
P/OCF 10.75
P/B 0.83
P/tB 0.83
EV/EBITDA 74.6
EPS(TTM)1.04
EY9.42%
EPS(NY)1.13
Fwd EY10.2%
FCF(TTM)0.3
FCFY2.76%
OCF(TTM)1.03
OCFY9.3%
SpS5.27
BVpS13.38
TBVpS13.38
PEG (NY)N/A
PEG (5Y)0.37
Graham Number17.6919 (60.25%)
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 6.03%
ROCE 1.25%
ROIC 0.99%
ROICexc 1%
ROICexgc 1.01%
OM 15.53%
PM (TTM) 15.3%
GM 37.12%
FCFM 5.78%
ROA(3y)-0.01%
ROA(5y)1.01%
ROE(3y)0.23%
ROE(5y)4.05%
ROIC(3y)1.47%
ROIC(5y)1.71%
ROICexc(3y)1.51%
ROICexc(5y)1.78%
ROICexgc(3y)1.53%
ROICexgc(5y)1.79%
ROCE(3y)1.86%
ROCE(5y)2.17%
ROICexgc growth 3Y-15.88%
ROICexgc growth 5Y-25.18%
ROICexc growth 3Y-15.6%
ROICexc growth 5Y-25.13%
OM growth 3Y-21.24%
OM growth 5Y-20.73%
PM growth 3Y-29.33%
PM growth 5Y115.72%
GM growth 3Y-11.13%
GM growth 5Y-10.65%
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 187.14
Debt/EBITDA 57.83
Cap/Depr 896.89%
Cap/Sales 13.7%
Interest Coverage 0.25
Cash Conversion 114.2%
Profit Quality 37.81%
Current Ratio 0.26
Quick Ratio 0.26
Altman-Z 0.04
F-Score4
WACC6.28%
ROIC/WACC0.16
Cap/Depr(3y)1076.74%
Cap/Depr(5y)1585.55%
Cap/Sales(3y)14.55%
Cap/Sales(5y)9.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.75%
EPS 3Y-8.42%
EPS 5Y28.72%
EPS Q2Q%-8.33%
EPS Next Y-106.03%
EPS Next 2Y3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.4%
Revenue growth 3Y8.42%
Revenue growth 5Y11.34%
Sales Q2Q%-8.65%
Revenue Next Year17.83%
Revenue Next 2Y0.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.39%
EBIT growth 3Y-14.61%
EBIT growth 5Y-11.73%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.06%
FCF growth 3Y-43.04%
FCF growth 5Y-23.74%
OCF growth 1Y-29.04%
OCF growth 3Y-18.37%
OCF growth 5Y-2.78%

APOLLO COMMERCIAL REAL ESTAT / ARI Fundamental Analysis FAQ

What is the fundamental rating for ARI stock?

ChartMill assigns a fundamental rating of 4 / 10 to ARI.


What is the valuation status for ARI stock?

ChartMill assigns a valuation rating of 5 / 10 to APOLLO COMMERCIAL REAL ESTAT (ARI). This can be considered as Fairly Valued.


Can you provide the profitability details for APOLLO COMMERCIAL REAL ESTAT?

APOLLO COMMERCIAL REAL ESTAT (ARI) has a profitability rating of 5 / 10.


What is the financial health of APOLLO COMMERCIAL REAL ESTAT (ARI) stock?

The financial health rating of APOLLO COMMERCIAL REAL ESTAT (ARI) is 2 / 10.


Can you provide the dividend sustainability for ARI stock?

The dividend rating of APOLLO COMMERCIAL REAL ESTAT (ARI) is 4 / 10 and the dividend payout ratio is 137.2%.