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ARMOUR RESIDENTIAL REIT INC (ARR) Stock Fundamental Analysis

USA - NYSE:ARR - US0423157058 - REIT

15.58 USD
-0.1 (-0.64%)
Last: 10/15/2025, 7:18:09 PM
15.5999 USD
+0.02 (+0.13%)
After Hours: 10/15/2025, 7:18:09 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ARR. ARR was compared to 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of ARR have multiple concerns. ARR has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year ARR was profitable.
ARR had a positive operating cash flow in the past year.
In the past 5 years ARR reported 4 times negative net income.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

1.2 Ratios

The Return On Assets of ARR (-0.25%) is worse than 66.67% of its industry peers.
The Return On Equity of ARR (-2.46%) is worse than 66.67% of its industry peers.
Industry RankSector Rank
ROA -0.25%
ROE -2.46%
ROIC N/A
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for ARR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ARR Yearly Profit, Operating, Gross MarginsARR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200

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1

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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

ARR has an Altman-Z score of -0.98. This is a bad value and indicates that ARR is not financially healthy and even has some risk of bankruptcy.
ARR has a Altman-Z score of -0.98. This is amonst the worse of the industry: ARR underperforms 89.39% of its industry peers.
ARR has a debt to FCF ratio of 48.52. This is a negative value and a sign of low solvency as ARR would need 48.52 years to pay back of all of its debts.
ARR has a Debt to FCF ratio of 48.52. This is in the better half of the industry: ARR outperforms 69.70% of its industry peers.
A Debt/Equity ratio of 7.72 is on the high side and indicates that ARR has dependencies on debt financing.
The Debt to Equity ratio of ARR (7.72) is worse than 69.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.72
Debt/FCF 48.52
Altman-Z -0.98
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 2015 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 worse Current ratio (0.02) than 89.39% 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 has a worse Quick ratio (0.02) than 89.39% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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6

3. Growth

3.1 Past

ARR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.80%.
Measured over the past years, ARR shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.48% on average per year.
Looking at the last year, ARR shows a quite strong growth in Revenue. The Revenue has grown by 16.26% in the last year.
ARR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 48.97% yearly.
EPS 1Y (TTM)-15.8%
EPS 3Y56.5%
EPS 5Y9.48%
EPS Q2Q%-28.7%
Revenue 1Y (TTM)16.26%
Revenue growth 3Y114.12%
Revenue growth 5Y48.97%
Sales Q2Q%372.86%

3.2 Future

The Earnings Per Share is expected to decrease by -5.54% on average over the next years.
ARR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 126.61% yearly.
EPS Next Y-13.68%
EPS Next 2Y-5.03%
EPS Next 3Y-5.54%
EPS Next 5YN/A
Revenue Next Year232.46%
Revenue Next 2Y126.61%
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 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 200M 400M
ARR Yearly EPS VS EstimatesARR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.57, the valuation of ARR can be described as very cheap.
Based on the Price/Earnings ratio, ARR is valued cheaper than 96.97% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.55. ARR is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 4.69 indicates a rather cheap valuation of ARR.
95.45% of the companies in the same industry are more expensive than ARR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.04, ARR is valued rather cheaply.
Industry RankSector Rank
PE 4.57
Fwd PE 4.69
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 rather cheap when compared to the industry. ARR is cheaper than 86.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.64
EV/EBITDA N/A
ARR Per share dataARR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

A cheap valuation may be justified as ARR's earnings are expected to decrease with -5.54% in the coming years.
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y-5.03%
EPS Next 3Y-5.54%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 18.27%, ARR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 12.06, ARR pays a better dividend. On top of this ARR pays more dividend than 96.97% 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 2.43.
Industry RankSector Rank
Dividend Yield 18.27%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100 200 300 400

5.3 Sustainability

The earnings of ARR are negative and hence is the payout ratio. ARR will probably not be able to sustain this dividend level.
DP-506.69%
EPS Next 2Y-5.03%
EPS Next 3Y-5.54%
ARR Yearly Income VS Free CF VS DividendARR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

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ARMOUR RESIDENTIAL REIT INC

NYSE:ARR (10/15/2025, 7:18:09 PM)

After market: 15.5999 +0.02 (+0.13%)

15.58

-0.1 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners40.58%
Inst Owner Change-0.01%
Ins Owners0.16%
Ins Owner Change5.73%
Market Cap1.75B
Analysts72
Price Target17.51 (12.39%)
Short Float %7.38%
Short Ratio2.1
Dividend
Industry RankSector Rank
Dividend Yield 18.27%
Yearly Dividend2.93
Dividend Growth(5Y)1.5%
DP-506.69%
Div Incr Years0
Div Non Decr Years0
Ex-Date10-15 2025-10-15 (0.24)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.36%
Min EPS beat(2)-7.48%
Max EPS beat(2)-3.24%
EPS beat(4)1
Avg EPS beat(4)-7.94%
Min EPS beat(4)-21.46%
Max EPS beat(4)0.42%
EPS beat(8)3
Avg EPS beat(8)-5.05%
EPS beat(12)4
Avg EPS beat(12)-3.72%
EPS beat(16)6
Avg EPS beat(16)-1.86%
Revenue beat(2)0
Avg Revenue beat(2)-32.02%
Min Revenue beat(2)-40.28%
Max Revenue beat(2)-23.76%
Revenue beat(4)0
Avg Revenue beat(4)-58.51%
Min Revenue beat(4)-96.41%
Max Revenue beat(4)-23.76%
Revenue beat(8)0
Avg Revenue beat(8)-73.04%
Revenue beat(12)1
Avg Revenue beat(12)-78.27%
Revenue beat(16)2
Avg Revenue beat(16)-94.15%
PT rev (1m)-0.96%
PT rev (3m)3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.3%
EPS NY rev (1m)-1.87%
EPS NY rev (3m)-8.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-18.1%
Valuation
Industry RankSector Rank
PE 4.57
Fwd PE 4.69
P/S 3.08
P/FCF 6.64
P/OCF 6.64
P/B 1.06
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)3.41
EY21.89%
EPS(NY)3.32
Fwd EY21.3%
FCF(TTM)2.35
FCFY15.05%
OCF(TTM)2.35
OCFY15.05%
SpS5.06
BVpS14.75
TBVpS14.75
PEG (NY)N/A
PEG (5Y)0.48
Profitability
Industry RankSector Rank
ROA -0.25%
ROE -2.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 46.32%
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
ROICexcg growth 3YN/A
ROICexcg 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 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 7.72
Debt/FCF 48.52
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z -0.98
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)-15.8%
EPS 3Y56.5%
EPS 5Y9.48%
EPS Q2Q%-28.7%
EPS Next Y-13.68%
EPS Next 2Y-5.03%
EPS Next 3Y-5.54%
EPS Next 5YN/A
Revenue 1Y (TTM)16.26%
Revenue growth 3Y114.12%
Revenue growth 5Y48.97%
Sales Q2Q%372.86%
Revenue Next Year232.46%
Revenue Next 2Y126.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y74.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.58%
FCF growth 3Y181.37%
FCF growth 5YN/A
OCF growth 1Y8.58%
OCF growth 3Y181.37%
OCF growth 5YN/A