ARMOUR RESIDENTIAL REIT INC (ARR) Stock Fundamental Analysis

NYSE:ARR • US0423157058

17.995 USD
-0.18 (-1.02%)
Last: Feb 25, 2026, 02:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall ARR gets a fundamental rating of 4 out of 10. We evaluated ARR against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. ARR has a medium profitability rating, but doesn't score so well on its financial health evaluation. ARR has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • ARR had positive earnings in the past year.
  • ARR had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: ARR reported negative net income in multiple years.
  • ARR had a positive operating cash flow in each of the past 5 years.
ARR Yearly Net Income VS EBIT VS OCF VS FCFARR 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 -200M 300M

1.2 Ratios

  • The Return On Assets of ARR (1.48%) is better than 92.75% of its industry peers.
  • ARR has a better Return On Equity (13.74%) than 100.00% of its industry peers.
  • ARR has a better Return On Invested Capital (1.24%) than 85.51% of its industry peers.
Industry RankSector Rank
ROA 1.48%
ROE 13.74%
ROIC 1.24%
ROA(3y)0.21%
ROA(5y)-0.37%
ROE(3y)1.84%
ROE(5y)-3.18%
ROIC(3y)N/A
ROIC(5y)N/A
ARR Yearly ROA, ROE, ROICARR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • With an excellent Profit Margin value of 30.47%, ARR belongs to the best of the industry, outperforming 91.30% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ARR has declined.
  • ARR's Operating Margin of 31.65% is amongst the best of the industry. ARR outperforms 88.41% of its industry peers.
  • ARR's Operating Margin has declined in the last couple of years.
  • The Gross Margin of ARR (33.21%) is better than 66.67% of its industry peers.
  • In the last couple of years the Gross Margin of ARR has declined.
Industry RankSector Rank
OM 31.65%
PM (TTM) 30.47%
GM 33.21%
OM growth 3Y-54.51%
OM growth 5Y-29.33%
PM growth 3Y-56.11%
PM growth 5Y-30.56%
GM growth 3Y-52.94%
GM growth 5Y-25.57%
ARR Yearly Profit, Operating, Gross MarginsARR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200 -200

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, ARR has more shares outstanding
  • The number of shares outstanding for ARR has been increased compared to 5 years ago.
  • The debt/assets ratio for ARR is higher compared to a year ago.
ARR Yearly Shares OutstandingARR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
ARR Yearly Total Debt VS Total AssetsARR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • ARR has an Altman-Z score of -0.91. This is a bad value and indicates that ARR is not financially healthy and even has some risk of bankruptcy.
  • ARR has a worse Altman-Z score (-0.91) than 81.16% of its industry peers.
  • The Debt to FCF ratio of ARR is 144.46, which is on the high side as it means it would take ARR, 144.46 years of fcf income to pay off all of its debts.
  • ARR has a Debt to FCF ratio (144.46) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 7.94 is on the high side and indicates that ARR has dependencies on debt financing.
  • With a Debt to Equity ratio value of 7.94, ARR is not doing good in the industry: 69.57% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 7.94
Debt/FCF 144.46
Altman-Z -0.91
ROIC/WACCN/A
WACCN/A
ARR Yearly LT Debt VS Equity VS FCFARR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

2.3 Liquidity

  • ARR has a Current Ratio of 0.01. This is a bad value and indicates that ARR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.01, ARR is doing worse than 98.55% of the companies in the same industry.
  • A Quick Ratio of 0.01 indicates that ARR may have some problems paying its short term obligations.
  • ARR has a Quick ratio of 0.01. This is amonst the worse of the industry: ARR underperforms 98.55% of its industry peers.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
ARR Yearly Current Assets VS Current LiabilitesARR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

More info and screens

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

4

3. Growth

3.1 Past

  • The earnings per share for ARR have decreased strongly by -16.85% in the last year.
  • ARR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.85% yearly.
  • ARR shows a strong growth in Revenue. In the last year, the Revenue has grown by 80.96%.
EPS 1Y (TTM)-16.85%
EPS 3Y-19.2%
EPS 5Y-13.85%
EPS Q2Q%-8.97%
Revenue 1Y (TTM)80.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%296.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.57% on average over the next years.
  • Based on estimates for the next years, ARR will show a very strong growth in Revenue. The Revenue will grow by 64.89% on average per year.
EPS Next Y3.18%
EPS Next 2Y3.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year99.47%
Revenue Next 2Y64.89%
Revenue Next 3YN/A
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.
ARR Yearly Revenue VS EstimatesARR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 200M 400M 600M 800M 1B
ARR Yearly EPS VS EstimatesARR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.88 indicates a rather cheap valuation of ARR.
  • ARR's Price/Earnings ratio is rather cheap when compared to the industry. ARR is cheaper than 91.30% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, ARR is valued rather cheaply.
  • ARR is valuated cheaply with a Price/Forward Earnings ratio of 5.70.
  • 92.75% of the companies in the same industry are more expensive than ARR, based on the Price/Forward Earnings ratio.
  • ARR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 5.88
Fwd PE 5.7
ARR Price Earnings VS Forward Price EarningsARR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ARR is valued a bit cheaper than the industry average as 63.77% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 16.21
EV/EBITDA N/A
ARR Per share dataARR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ARR does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of ARR may justify a higher PE ratio.
PEG (NY)1.85
PEG (5Y)N/A
EPS Next 2Y3.57%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • ARR has a Yearly Dividend Yield of 15.84%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.23, ARR pays a better dividend. On top of this ARR pays more dividend than 92.75% of the companies listed in the same industry.
  • ARR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 15.84%

5.2 History

  • On average, the dividend of ARR grows each year by 18.77%, which is quite nice.
  • ARR has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)18.77%
Div Incr Years0
Div Non Decr Years0
ARR Yearly Dividends per shareARR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20 40 60

5.3 Sustainability

  • 91.25% of the earnings are spent on dividend by ARR. This is not a sustainable payout ratio.
  • ARR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP91.25%
EPS Next 2Y3.57%
EPS Next 3YN/A
ARR Yearly Income VS Free CF VS DividendARR 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 -200M 300M
ARR Dividend Payout.ARR Dividend Payout, showing the Payout Ratio.ARR Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ARMOUR RESIDENTIAL REIT INC

NYSE:ARR (2/25/2026, 2:53:04 PM)

17.995

-0.18 (-1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)04-21
Inst Owners61.3%
Inst Owner Change0.88%
Ins Owners0.17%
Ins Owner Change1.27%
Market Cap2.01B
Revenue(TTM)1.02B
Net Income(TTM)310.65M
Analysts74
Price Target18.87 (4.86%)
Short Float %9.07%
Short Ratio2.84
Dividend
Industry RankSector Rank
Dividend Yield 15.84%
Yearly Dividend3.25
Dividend Growth(5Y)18.77%
DP91.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.73%
Min EPS beat(2)-9.29%
Max EPS beat(2)-0.16%
EPS beat(4)0
Avg EPS beat(4)-5.04%
Min EPS beat(4)-9.29%
Max EPS beat(4)-0.16%
EPS beat(8)2
Avg EPS beat(8)-6.1%
EPS beat(12)3
Avg EPS beat(12)-4.72%
EPS beat(16)6
Avg EPS beat(16)-2.23%
Revenue beat(2)0
Avg Revenue beat(2)-25.68%
Min Revenue beat(2)-35.79%
Max Revenue beat(2)-15.56%
Revenue beat(4)0
Avg Revenue beat(4)-28.85%
Min Revenue beat(4)-40.28%
Max Revenue beat(4)-15.56%
Revenue beat(8)0
Avg Revenue beat(8)-58.05%
Revenue beat(12)0
Avg Revenue beat(12)-66.72%
Revenue beat(16)1
Avg Revenue beat(16)-97.44%
PT rev (1m)6.43%
PT rev (3m)9.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.47%
Valuation
Industry RankSector Rank
PE 5.88
Fwd PE 5.7
P/S 1.98
P/FCF 16.21
P/OCF 16.21
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)3.06
EY17%
EPS(NY)3.16
Fwd EY17.55%
FCF(TTM)1.11
FCFY6.17%
OCF(TTM)1.11
OCFY6.17%
SpS9.11
BVpS20.21
TBVpS20.21
PEG (NY)1.85
PEG (5Y)N/A
Graham Number37.3
Profitability
Industry RankSector Rank
ROA 1.48%
ROE 13.74%
ROCE 12.5%
ROIC 1.24%
ROICexc 1.25%
ROICexgc 1.28%
OM 31.65%
PM (TTM) 30.47%
GM 33.21%
FCFM 12.18%
ROA(3y)0.21%
ROA(5y)-0.37%
ROE(3y)1.84%
ROE(5y)-3.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-54.51%
OM growth 5Y-29.33%
PM growth 3Y-56.11%
PM growth 5Y-30.56%
GM growth 3Y-52.94%
GM growth 5Y-25.57%
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 7.94
Debt/FCF 144.46
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.44
Cash Conversion N/A
Profit Quality 39.98%
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z -0.91
F-Score6
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)-16.85%
EPS 3Y-19.2%
EPS 5Y-13.85%
EPS Q2Q%-8.97%
EPS Next Y3.18%
EPS Next 2Y3.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)80.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%296.85%
Revenue Next Year99.47%
Revenue Next 2Y64.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y2341.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.5%
FCF growth 3Y0.03%
FCF growth 5YN/A
OCF growth 1Y-52.5%
OCF growth 3Y0.03%
OCF growth 5YN/A

ARMOUR RESIDENTIAL REIT INC / ARR FAQ

What is the fundamental rating for ARR stock?

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


What is the valuation status of ARMOUR RESIDENTIAL REIT INC (ARR) stock?

ChartMill assigns a valuation rating of 6 / 10 to ARMOUR RESIDENTIAL REIT INC (ARR). This can be considered as Fairly Valued.


Can you provide the profitability details for ARMOUR RESIDENTIAL REIT INC?

ARMOUR RESIDENTIAL REIT INC (ARR) has a profitability rating of 6 / 10.


What is the valuation of ARMOUR RESIDENTIAL REIT INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ARMOUR RESIDENTIAL REIT INC (ARR) is 5.88 and the Price/Book (PB) ratio is 0.89.


How financially healthy is ARMOUR RESIDENTIAL REIT INC?

The financial health rating of ARMOUR RESIDENTIAL REIT INC (ARR) is 0 / 10.