ARMOUR RESIDENTIAL REIT INC (ARR) Stock Fundamental Analysis

NYSE:ARR • US0423157058

17.78 USD
-0.52 (-2.84%)
At close: Feb 17, 2026
17.8035 USD
+0.02 (+0.13%)
After Hours: 2/17/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

ARR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. ARR has a bad profitability rating. Also its financial health evaluation is rather negative. ARR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

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.
  • ARR had negative earnings in 4 of the past 5 years.
  • Of the past 5 years ARR 4 years had a positive operating cash flow.
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 0 100M -100M 200M -200M

1.2 Ratios

  • ARR's Return On Assets of 0.27% is in line compared to the rest of the industry. ARR outperforms 45.71% of its industry peers.
  • ARR has a Return On Equity of 2.47%. This is comparable to the rest of the industry: ARR outperforms 48.57% of its industry peers.
  • The Return On Invested Capital of ARR (0.27%) is worse than 67.14% of its industry peers.
Industry RankSector Rank
ROA 0.27%
ROE 2.47%
ROIC 0.27%
ROA(3y)-1.14%
ROA(5y)-1.48%
ROE(3y)-9.99%
ROE(5y)-10.72%
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 0 10 -10 -20

1.3 Margins

  • ARR has a Profit Margin of 7.37%. This is comparable to the rest of the industry: ARR outperforms 60.00% of its industry peers.
  • Looking at the Operating Margin, with a value of 9.06%, ARR is in line with its industry, outperforming 48.57% of the companies in the same industry.
  • With a Gross Margin value of 11.18%, ARR is not doing good in the industry: 84.29% of the companies in the same industry are doing better.
  • ARR's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 9.06%
PM (TTM) 7.37%
GM 11.18%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-71.79%
GM growth 5YN/A
ARR Yearly Profit, Operating, Gross MarginsARR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, ARR has more shares outstanding
  • Compared to 5 years ago, ARR has more shares outstanding
  • 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 20M 40M 60M
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 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.97, we must say that ARR is in the distress zone and has some risk of bankruptcy.
  • ARR has a Altman-Z score of -0.97. This is amonst the worse of the industry: ARR underperforms 92.86% of its industry peers.
  • ARR has a debt to FCF ratio of 92.46. This is a negative value and a sign of low solvency as ARR would need 92.46 years to pay back of all of its debts.
  • The Debt to FCF ratio of ARR (92.46) is better than 67.14% of its industry peers.
  • A Debt/Equity ratio of 7.78 is on the high side and indicates that ARR has dependencies on debt financing.
  • The Debt to Equity ratio of ARR (7.78) is worse than 61.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.78
Debt/FCF 92.46
Altman-Z -0.97
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 0 500M 1B

2.3 Liquidity

  • ARR has a Current Ratio of 0.02. This is a bad value and indicates that ARR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • ARR has a Current ratio of 0.02. This is amonst the worse of the industry: ARR underperforms 87.14% of its industry peers.
  • ARR has a Quick Ratio of 0.02. This is a bad value and indicates that ARR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • ARR's Quick ratio of 0.02 is on the low side compared to the rest of the industry. ARR is outperformed by 87.14% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
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 2B 4B 6B 8B 10B

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

6

3. Growth

3.1 Past

  • The earnings per share for ARR have decreased strongly by -21.16% in the last year.
  • The earnings per share for ARR have been decreasing by -20.65% on average. This is quite bad
  • ARR shows a small growth in Revenue. In the last year, the Revenue has grown by 0.39%.
  • Measured over the past years, ARR shows a very strong growth in Revenue. The Revenue has been growing by 48.97% on average per year.
EPS 1Y (TTM)-21.16%
EPS 3Y-8.48%
EPS 5Y-20.65%
EPS Q2Q%-28%
Revenue 1Y (TTM)0.39%
Revenue growth 3Y114.12%
Revenue growth 5Y48.97%
Sales Q2Q%1993.53%

3.2 Future

  • The Earnings Per Share is expected to decrease by -3.74% 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 99.53% on average per year.
EPS Next Y-14.97%
EPS Next 2Y-7.37%
EPS Next 3Y-3.74%
EPS Next 5YN/A
Revenue Next Year192.17%
Revenue Next 2Y141.41%
Revenue Next 3Y99.53%
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 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
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • ARR is valuated cheaply with a Price/Earnings ratio of 5.68.
  • 92.86% of the companies in the same industry are more expensive than ARR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.16. ARR is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 5.63, which indicates a rather cheap valuation of ARR.
  • Based on the Price/Forward Earnings ratio, ARR is valued cheaper than 92.86% of the companies in the same industry.
  • ARR is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.68
Fwd PE 5.63
ARR Price Earnings VS Forward Price EarningsARR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • ARR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ARR is cheaper than 70.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.11
EV/EBITDA N/A
ARR Per share dataARR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • ARR's earnings are expected to decrease with -3.74% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.37%
EPS Next 3Y-3.74%

More info and screens

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

5

5. Dividend

5.1 Amount

  • ARR has a Yearly Dividend Yield of 15.74%, which is a nice return.
  • ARR's Dividend Yield is rather good when compared to the industry average which is at 10.46. ARR pays more dividend than 92.86% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, ARR pays a better dividend.
Industry RankSector Rank
Dividend Yield 15.74%

5.2 History

  • The dividend of ARR has a limited annual growth rate of 1.50%.
  • ARR has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.5%
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

  • 467.46% of the earnings are spent on dividend by ARR. This is not a sustainable payout ratio.
  • The Dividend Rate of ARR has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP467.46%
EPS Next 2Y-7.37%
EPS Next 3Y-3.74%
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 0 100M -100M 200M -200M
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 (2/17/2026, 8:04:00 PM)

After market: 17.8035 +0.02 (+0.13%)

17.78

-0.52 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-22
Earnings (Next)02-20
Inst Owners61.3%
Inst Owner Change-0.25%
Ins Owners0.17%
Ins Owner Change3.83%
Market Cap1.99B
Revenue(TTM)712.60M
Net Income(TTM)52.54M
Analysts74
Price Target19 (6.86%)
Short Float %9.07%
Short Ratio2.84
Dividend
Industry RankSector Rank
Dividend Yield 15.74%
Yearly Dividend2.93
Dividend Growth(5Y)1.5%
DP467.46%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-17
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.82%
Min EPS beat(2)-7.48%
Max EPS beat(2)-0.16%
EPS beat(4)0
Avg EPS beat(4)-8.09%
Min EPS beat(4)-21.46%
Max EPS beat(4)-0.16%
EPS beat(8)3
Avg EPS beat(8)-4.19%
EPS beat(12)3
Avg EPS beat(12)-4.66%
EPS beat(16)6
Avg EPS beat(16)-1.79%
Revenue beat(2)0
Avg Revenue beat(2)-38.03%
Min Revenue beat(2)-40.28%
Max Revenue beat(2)-35.79%
Revenue beat(4)0
Avg Revenue beat(4)-43.36%
Min Revenue beat(4)-73.6%
Max Revenue beat(4)-23.76%
Revenue beat(8)0
Avg Revenue beat(8)-66.78%
Revenue beat(12)1
Avg Revenue beat(12)-51.86%
Revenue beat(16)1
Avg Revenue beat(16)-105.8%
PT rev (1m)6.43%
PT rev (3m)7.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)-0.31%
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 5.68
Fwd PE 5.63
P/S 2.79
P/FCF 11.11
P/OCF 11.11
P/B 0.93
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)3.13
EY17.6%
EPS(NY)3.16
Fwd EY17.76%
FCF(TTM)1.6
FCFY9%
OCF(TTM)1.6
OCFY9%
SpS6.37
BVpS19.02
TBVpS19.02
PEG (NY)N/A
PEG (5Y)N/A
Graham Number36.6
Profitability
Industry RankSector Rank
ROA 0.27%
ROE 2.47%
ROCE 2.84%
ROIC 0.27%
ROICexc 0.27%
ROICexgc 0.28%
OM 9.06%
PM (TTM) 7.37%
GM 11.18%
FCFM 25.13%
ROA(3y)-1.14%
ROA(5y)-1.48%
ROE(3y)-9.99%
ROE(5y)-10.72%
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 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-71.79%
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 7.78
Debt/FCF 92.46
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.1
Cash Conversion N/A
Profit Quality 340.84%
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z -0.97
F-Score5
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)-21.16%
EPS 3Y-8.48%
EPS 5Y-20.65%
EPS Q2Q%-28%
EPS Next Y-14.97%
EPS Next 2Y-7.37%
EPS Next 3Y-3.74%
EPS Next 5YN/A
Revenue 1Y (TTM)0.39%
Revenue growth 3Y114.12%
Revenue growth 5Y48.97%
Sales Q2Q%1993.53%
Revenue Next Year192.17%
Revenue Next 2Y141.41%
Revenue Next 3Y99.53%
Revenue Next 5YN/A
EBIT growth 1Y-50.99%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.45%
FCF growth 3Y181.37%
FCF growth 5YN/A
OCF growth 1Y-0.45%
OCF growth 3Y181.37%
OCF growth 5YN/A

ARMOUR RESIDENTIAL REIT INC / ARR FAQ

What is the fundamental rating for ARR stock?

ChartMill assigns a fundamental rating of 3 / 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 2 / 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 5.68 and the Price/Book (PB) ratio is 0.93.


How financially healthy is ARMOUR RESIDENTIAL REIT INC?

The financial health rating of ARMOUR RESIDENTIAL REIT INC (ARR) is 1 / 10.