NEW YORK MORTGAGE TRUST INC (NYMT) Stock Fundamental Analysis

NASDAQ:NYMT • US6496048405

7.11 USD
-0.11 (-1.52%)
At close: Sep 2, 2025
7.0625 USD
-0.05 (-0.67%)
After Hours: 9/2/2025, 8:22:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NYMT. NYMT was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. NYMT has a bad profitability rating. Also its financial health evaluation is rather negative. NYMT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year NYMT was profitable.
  • In the past year NYMT had a positive cash flow from operations.
  • In the past 5 years NYMT reported 4 times negative net income.
  • Each year in the past 5 years NYMT had a positive operating cash flow.
NYMT Yearly Net Income VS EBIT VS OCF VS FCFNYMT 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 -300M

1.2 Ratios

  • NYMT's Return On Assets of 0.16% is in line compared to the rest of the industry. NYMT outperforms 47.76% of its industry peers.
  • Looking at the Return On Equity, with a value of 1.26%, NYMT is in line with its industry, outperforming 47.76% of the companies in the same industry.
  • NYMT's Return On Invested Capital of 0.29% is in line compared to the rest of the industry. NYMT outperforms 41.79% of its industry peers.
Industry RankSector Rank
ROA 0.16%
ROE 1.26%
ROIC 0.29%
ROA(3y)-2.6%
ROA(5y)-2.47%
ROE(3y)-10.8%
ROE(5y)-8.12%
ROIC(3y)N/A
ROIC(5y)N/A
NYMT Yearly ROA, ROE, ROICNYMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10 -15

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.78%, NYMT is in line with its industry, outperforming 47.76% of the companies in the same industry.
  • NYMT has a Operating Margin of 6.09%. This is comparable to the rest of the industry: NYMT outperforms 41.79% of its industry peers.
  • NYMT has a better Gross Margin (31.90%) than 70.15% of its industry peers.
  • In the last couple of years the Gross Margin of NYMT has remained more or less at the same level.
Industry RankSector Rank
OM 6.09%
PM (TTM) 2.78%
GM 31.9%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.68%
GM growth 5Y-1.48%
NYMT Yearly Profit, Operating, Gross MarginsNYMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K -2K

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NYMT is destroying value.
  • NYMT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NYMT has less shares outstanding
  • Compared to 1 year ago, NYMT has a worse debt to assets ratio.
NYMT Yearly Shares OutstandingNYMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
NYMT Yearly Total Debt VS Total AssetsNYMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • Based on the Altman-Z score of -0.61, we must say that NYMT is in the distress zone and has some risk of bankruptcy.
  • NYMT has a Altman-Z score of -0.61. This is in the lower half of the industry: NYMT underperforms 73.13% of its industry peers.
  • The Debt to FCF ratio of NYMT is 136.55, which is on the high side as it means it would take NYMT, 136.55 years of fcf income to pay off all of its debts.
  • NYMT has a Debt to FCF ratio of 136.55. This is comparable to the rest of the industry: NYMT outperforms 52.24% of its industry peers.
  • A Debt/Equity ratio of 6.46 is on the high side and indicates that NYMT has dependencies on debt financing.
  • The Debt to Equity ratio of NYMT (6.46) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 6.46
Debt/FCF 136.55
Altman-Z -0.61
ROIC/WACC0.05
WACC5.28%
NYMT Yearly LT Debt VS Equity VS FCFNYMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

  • NYMT has a Current Ratio of 0.06. This is a bad value and indicates that NYMT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NYMT has a worse Current ratio (0.06) than 64.18% of its industry peers.
  • A Quick Ratio of 0.06 indicates that NYMT may have some problems paying its short term obligations.
  • NYMT has a Quick ratio of 0.06. This is in the lower half of the industry: NYMT underperforms 64.18% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
NYMT Yearly Current Assets VS Current LiabilitesNYMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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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

  • NYMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 112.10%, which is quite impressive.
  • NYMT shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.19%.
  • Measured over the past years, NYMT shows a decrease in Revenue. The Revenue has been decreasing by -7.75% on average per year.
EPS 1Y (TTM)112.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.21%
Revenue 1Y (TTM)24.19%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%91.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 47.47% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 37.91% on average over the next years. This is a very strong growth
EPS Next Y171.3%
EPS Next 2Y71.75%
EPS Next 3Y47.47%
EPS Next 5YN/A
Revenue Next Year96.58%
Revenue Next 2Y55.37%
Revenue Next 3Y37.91%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NYMT Yearly Revenue VS EstimatesNYMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
NYMT Yearly EPS VS EstimatesNYMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 37.42, NYMT can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, NYMT is valued a bit more expensive than 67.16% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, NYMT is valued a bit more expensive.
  • A Price/Forward Earnings ratio of 7.64 indicates a rather cheap valuation of NYMT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NYMT indicates a somewhat cheap valuation: NYMT is cheaper than 76.12% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. NYMT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 37.42
Fwd PE 7.64
NYMT Price Earnings VS Forward Price EarningsNYMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NYMT is valued cheaper than 80.60% of the companies in the same industry.
  • 73.13% of the companies in the same industry are more expensive than NYMT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.83
EV/EBITDA 69.15
NYMT Per share dataNYMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NYMT's earnings are expected to grow with 47.47% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y71.75%
EPS Next 3Y47.47%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.66%, NYMT is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 10.80, NYMT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, NYMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.66%

5.2 History

  • The dividend of NYMT is nicely growing with an annual growth rate of 8.89%!
  • NYMT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)8.89%
Div Incr Years0
Div Non Decr Years0
NYMT Yearly Dividends per shareNYMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

  • NYMT pays out 667.71% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of NYMT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP667.71%
EPS Next 2Y71.75%
EPS Next 3Y47.47%
NYMT Yearly Income VS Free CF VS DividendNYMT 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 -300M
NYMT Dividend Payout.NYMT Dividend Payout, showing the Payout Ratio.NYMT Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

NEW YORK MORTGAGE TRUST INC

NASDAQ:NYMT (9/2/2025, 8:22:49 PM)

After market: 7.0625 -0.05 (-0.67%)

7.11

-0.11 (-1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)07-30
Earnings (Next)10-28
Inst Owners57.82%
Inst Owner Change-1.02%
Ins Owners7.09%
Ins Owner Change0%
Market Cap642.10M
Revenue(TTM)625.63M
Net Income(TTM)17.38M
Analysts76.67
Price Target7.91 (11.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.66%
Yearly Dividend1.29
Dividend Growth(5Y)8.89%
DP667.71%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)70.74%
Min EPS beat(2)-117.99%
Max EPS beat(2)259.48%
EPS beat(4)2
Avg EPS beat(4)21.05%
Min EPS beat(4)-945.64%
Max EPS beat(4)888.35%
EPS beat(8)3
Avg EPS beat(8)-107.9%
EPS beat(12)4
Avg EPS beat(12)-574.51%
EPS beat(16)4
Avg EPS beat(16)-704.15%
Revenue beat(2)1
Avg Revenue beat(2)-0.85%
Min Revenue beat(2)-6.68%
Max Revenue beat(2)4.97%
Revenue beat(4)2
Avg Revenue beat(4)4.21%
Min Revenue beat(4)-7.56%
Max Revenue beat(4)26.08%
Revenue beat(8)2
Avg Revenue beat(8)-9.44%
Revenue beat(12)3
Avg Revenue beat(12)-2.13%
Revenue beat(16)6
Avg Revenue beat(16)10.98%
PT rev (1m)1.64%
PT rev (3m)2.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-15.41%
EPS NY rev (1m)-34.29%
EPS NY rev (3m)-25.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.33%
Revenue NY rev (1m)2.65%
Revenue NY rev (3m)2.65%
Valuation
Industry RankSector Rank
PE 37.42
Fwd PE 7.64
P/S 1.03
P/FCF 9.83
P/OCF 6.89
P/B 0.46
P/tB 0.46
EV/EBITDA 69.15
EPS(TTM)0.19
EY2.67%
EPS(NY)0.93
Fwd EY13.09%
FCF(TTM)0.72
FCFY10.17%
OCF(TTM)1.03
OCFY14.52%
SpS6.93
BVpS15.29
TBVpS15.29
PEG (NY)0.22
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 1.26%
ROCE 0.69%
ROIC 0.29%
ROICexc 0.29%
ROICexgc 0.29%
OM 6.09%
PM (TTM) 2.78%
GM 31.9%
FCFM 10.44%
ROA(3y)-2.6%
ROA(5y)-2.47%
ROE(3y)-10.8%
ROE(5y)-8.12%
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-30.68%
GM growth 5Y-1.48%
F-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 6.46
Debt/FCF 136.55
Debt/EBITDA 137.29
Cap/Depr 104.07%
Cap/Sales 4.46%
Interest Coverage 0.1
Cash Conversion 143.54%
Profit Quality 375.74%
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -0.61
F-Score5
WACC5.28%
ROIC/WACC0.05
Cap/Depr(3y)153.69%
Cap/Depr(5y)N/A
Cap/Sales(3y)61.91%
Cap/Sales(5y)40.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)112.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.21%
EPS Next Y171.3%
EPS Next 2Y71.75%
EPS Next 3Y47.47%
EPS Next 5YN/A
Revenue 1Y (TTM)24.19%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%91.38%
Revenue Next Year96.58%
Revenue Next 2Y55.37%
Revenue Next 3Y37.91%
Revenue Next 5YN/A
EBIT growth 1Y211.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y197.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4384.46%
OCF growth 3Y-53.38%
OCF growth 5Y-16.71%

NEW YORK MORTGAGE TRUST INC / NYMT FAQ

What is the ChartMill fundamental rating of NEW YORK MORTGAGE TRUST INC (NYMT) stock?

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


What is the valuation status of NEW YORK MORTGAGE TRUST INC (NYMT) stock?

ChartMill assigns a valuation rating of 6 / 10 to NEW YORK MORTGAGE TRUST INC (NYMT). This can be considered as Fairly Valued.


How profitable is NEW YORK MORTGAGE TRUST INC (NYMT) stock?

NEW YORK MORTGAGE TRUST INC (NYMT) has a profitability rating of 3 / 10.


Can you provide the financial health for NYMT stock?

The financial health rating of NEW YORK MORTGAGE TRUST INC (NYMT) is 1 / 10.


Can you provide the dividend sustainability for NYMT stock?

The dividend rating of NEW YORK MORTGAGE TRUST INC (NYMT) is 5 / 10 and the dividend payout ratio is 667.71%.