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NEW YORK MORTGAGE TRUST INC (NYMT) Stock Fundamental Analysis

NASDAQ:NYMT - Nasdaq - US6496048405 - REIT - Currency: USD

6.51  -0.07 (-1.06%)

After market: 6.5997 +0.09 (+1.38%)

Fundamental Rating

3

Overall NYMT gets a fundamental rating of 3 out of 10. We evaluated NYMT against 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. NYMT may be in some trouble as it scores bad on both profitability and health. NYMT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

NYMT had negative earnings in the past year.
In the past year NYMT had a positive cash flow from operations.
In the past 5 years NYMT reported 4 times negative net income.
NYMT had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M -300M

1.2 Ratios

NYMT has a worse Return On Assets (-1.13%) than 69.23% of its industry peers.
Looking at the Return On Equity, with a value of -7.44%, NYMT is doing worse than 72.31% of the companies in the same industry.
Industry RankSector Rank
ROA -1.13%
ROE -7.44%
ROIC N/A
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10 -15

1.3 Margins

Looking at the Gross Margin, with a value of 26.69%, NYMT is in the better half of the industry, outperforming 61.54% of the companies in the same industry.
NYMT's Gross Margin has been stable in the last couple of years.
The Profit Margin and Operating Margin are not available for NYMT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 26.69%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K -2K

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1

2. Health

2.1 Basic Checks

NYMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NYMT remains at a similar level compared to 1 year ago.
NYMT has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, NYMT has a worse debt to assets ratio.
NYMT Yearly Shares OutstandingNYMT Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

Based on the Altman-Z score of -0.63, we must say that NYMT is in the distress zone and has some risk of bankruptcy.
NYMT has a Altman-Z score of -0.63. This is in the lower half of the industry: NYMT underperforms 73.85% of its industry peers.
A Debt/Equity ratio of 5.42 is on the high side and indicates that NYMT has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 5.42, NYMT is in line with its industry, outperforming 43.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.42
Debt/FCF N/A
Altman-Z -0.63
ROIC/WACCN/A
WACC5.23%
NYMT Yearly LT Debt VS Equity VS FCFNYMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

A Current Ratio of 0.08 indicates that NYMT may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.08, NYMT is doing worse than 63.08% of the companies in the same industry.
A Quick Ratio of 0.08 indicates that NYMT may have some problems paying its short term obligations.
NYMT has a Quick ratio of 0.08. This is in the lower half of the industry: NYMT underperforms 63.08% of its industry peers.
Industry RankSector Rank
Current Ratio 0.08
Quick Ratio 0.08
NYMT Yearly Current Assets VS Current LiabilitesNYMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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5

3. Growth

3.1 Past

NYMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.76%, which is quite impressive.
The Revenue has been growing slightly by 7.06% in the past year.
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)88.76%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%133.9%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%85.3%

3.2 Future

Based on estimates for the next years, NYMT will show a very strong growth in Earnings Per Share. The EPS will grow by 41.49% on average per year.
The Revenue is expected to grow by 23.01% on average over the next years. This is a very strong growth
EPS Next Y156.2%
EPS Next 2Y69.69%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue Next Year73.11%
Revenue Next 2Y42.33%
Revenue Next 3Y23.01%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NYMT Yearly Revenue VS EstimatesNYMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

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4

4. Valuation

4.1 Price/Earnings Ratio

NYMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 7.55, which indicates a rather cheap valuation of NYMT.
Based on the Price/Forward Earnings ratio, NYMT is valued a bit cheaper than the industry average as 69.23% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of NYMT to the average of the S&P500 Index (20.44), we can say NYMT is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 7.55
NYMT Price Earnings VS Forward Price EarningsNYMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20 -30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
NYMT Per share dataNYMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
NYMT's earnings are expected to grow with 41.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.69%
EPS Next 3Y41.49%

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6

5. Dividend

5.1 Amount

NYMT has a Yearly Dividend Yield of 12.21%, which is a nice return.
Compared to an average industry Dividend Yield of 14.09, NYMT has a dividend in line with its industry peers.
NYMT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 12.21%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

NYMT has negative earnings and hence a negative payout ratio. The dividend may be in danger.
NYMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-112.44%
EPS Next 2Y69.69%
EPS Next 3Y41.49%
NYMT Yearly Income VS Free CF VS DividendNYMT 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 -300M

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NEW YORK MORTGAGE TRUST INC

NASDAQ:NYMT (5/9/2025, 8:12:33 PM)

After market: 6.5997 +0.09 (+1.38%)

6.51

-0.07 (-1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners59.95%
Inst Owner Change-0.85%
Ins Owners1.4%
Ins Owner Change1.9%
Market Cap587.85M
Analysts75.38
Price Target7.31 (12.29%)
Short Float %1.94%
Short Ratio1.96
Dividend
Industry RankSector Rank
Dividend Yield 12.21%
Yearly Dividend1.29
Dividend Growth(5Y)8.89%
DP-112.44%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31 2025-03-31 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-28.64%
Min EPS beat(2)-945.64%
Max EPS beat(2)888.35%
EPS beat(4)1
Avg EPS beat(4)-456.55%
Min EPS beat(4)-1193.51%
Max EPS beat(4)888.35%
EPS beat(8)3
Avg EPS beat(8)-116.68%
EPS beat(12)3
Avg EPS beat(12)-944.96%
EPS beat(16)3
Avg EPS beat(16)-713.89%
Revenue beat(2)1
Avg Revenue beat(2)9.26%
Min Revenue beat(2)-7.56%
Max Revenue beat(2)26.08%
Revenue beat(4)1
Avg Revenue beat(4)-7.46%
Min Revenue beat(4)-27.88%
Max Revenue beat(4)26.08%
Revenue beat(8)1
Avg Revenue beat(8)-16.81%
Revenue beat(12)3
Avg Revenue beat(12)-3.25%
Revenue beat(16)7
Avg Revenue beat(16)24.72%
PT rev (1m)-1.18%
PT rev (3m)-1.18%
EPS NQ rev (1m)-4.08%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)-6.57%
EPS NY rev (3m)2.53%
Revenue NQ rev (1m)9.51%
Revenue NQ rev (3m)19.77%
Revenue NY rev (1m)11.33%
Revenue NY rev (3m)25.98%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.55
P/S 1.12
P/FCF N/A
P/OCF 41.78
P/B 0.42
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)-0.19
EYN/A
EPS(NY)0.86
Fwd EY13.24%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)0.16
OCFY2.39%
SpS5.84
BVpS15.45
TBVpS15.45
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.13%
ROE -7.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 26.69%
FCFM N/A
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
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 3Y-30.68%
GM growth 5Y-1.48%
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.42
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 90.87%
Cap/Sales 6.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.08
Quick Ratio 0.08
Altman-Z -0.63
F-Score4
WACC5.23%
ROIC/WACCN/A
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)88.76%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%133.9%
EPS Next Y156.2%
EPS Next 2Y69.69%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue 1Y (TTM)7.06%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%85.3%
Revenue Next Year73.11%
Revenue Next 2Y42.33%
Revenue Next 3Y23.01%
Revenue Next 5YN/A
EBIT growth 1Y-360.17%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-53.02%
OCF growth 3Y-53.38%
OCF growth 5Y-16.71%