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NEW YORK MORTGAGE TRUST INC (NYMT) Stock Fundamental Analysis

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

6.68  -0.04 (-0.6%)

Premarket: 6.49 -0.19 (-2.84%)

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 correct valuation and a medium growth rate.


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.
NYMT had negative earnings in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M -300M

1.2 Ratios

With a Return On Assets value of -0.05%, NYMT is not doing good in the industry: 66.15% of the companies in the same industry are doing better.
NYMT has a Return On Equity of -0.37%. This is in the lower half of the industry: NYMT underperforms 66.15% of its industry peers.
NYMT has a worse Return On Invested Capital (0.08%) than 63.08% of its industry peers.
Industry RankSector Rank
ROA -0.05%
ROE -0.37%
ROIC 0.08%
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

NYMT's Operating Margin of 1.66% is on the low side compared to the rest of the industry. NYMT is outperformed by 63.08% of its industry peers.
Looking at the Gross Margin, with a value of 31.38%, NYMT is in the better half of the industry, outperforming 67.69% of the companies in the same industry.
In the last couple of years the Gross Margin of NYMT has remained more or less at the same level.
Industry RankSector Rank
OM 1.66%
PM (TTM) N/A
GM 31.38%
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 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
NYMT has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for NYMT has been reduced compared to 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 -0.61, we must say that NYMT is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.61, NYMT is doing worse than 72.31% of the companies in the same industry.
The Debt to FCF ratio of NYMT is 404.17, which is on the high side as it means it would take NYMT, 404.17 years of fcf income to pay off all of its debts.
NYMT has a Debt to FCF ratio of 404.17. This is in the lower half of the industry: NYMT underperforms 73.85% of its industry peers.
A Debt/Equity ratio of 5.94 is on the high side and indicates that NYMT has dependencies on debt financing.
NYMT has a Debt to Equity ratio (5.94) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 5.94
Debt/FCF 404.17
Altman-Z -0.61
ROIC/WACC0.02
WACC5.25%
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

NYMT has a Current Ratio of 0.07. 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's Current ratio of 0.07 is on the low side compared to the rest of the industry. NYMT is outperformed by 66.15% of its industry peers.
A Quick Ratio of 0.07 indicates that NYMT may have some problems paying its short term obligations.
NYMT's Quick ratio of 0.07 is on the low side compared to the rest of the industry. NYMT is outperformed by 66.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
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

The Earnings Per Share has grown by an impressive 96.45% over the past year.
NYMT shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.59%.
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)96.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%155.93%
Revenue 1Y (TTM)24.59%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%85.29%

3.2 Future

The Earnings Per Share is expected to grow by 47.31% on average over the next years. This is a very strong growth
Based on estimates for the next years, NYMT will show a very strong growth in Revenue. The Revenue will grow by 35.22% on average per year.
EPS Next Y208.51%
EPS Next 2Y71.67%
EPS Next 3Y47.31%
EPS Next 5YN/A
Revenue Next Year91.51%
Revenue Next 2Y46.51%
Revenue Next 3Y35.22%
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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NYMT. In the last year negative earnings were reported.
NYMT is valuated cheaply with a Price/Forward Earnings ratio of 7.20.
NYMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NYMT is cheaper than 75.38% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.03, NYMT is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 7.2
NYMT Price Earnings VS Forward Price EarningsNYMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60 -80 -100

4.2 Price Multiples

80.00% of the companies in the same industry are more expensive than NYMT, based on the Enterprise Value to EBITDA ratio.
NYMT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 29.3
EV/EBITDA 99.15
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 47.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y71.67%
EPS Next 3Y47.31%

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6

5. Dividend

5.1 Amount

NYMT has a Yearly Dividend Yield of 11.90%, which is a nice return.
Compared to an average industry Dividend Yield of 11.74, NYMT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, NYMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.9%

5.2 History

On average, the dividend of NYMT grows each year by 8.89%, which is quite nice.
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

The earnings of NYMT are negative and hence is the payout ratio. NYMT will probably not be able to sustain this dividend level.
NYMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-2222.36%
EPS Next 2Y71.67%
EPS Next 3Y47.31%
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 (6/20/2025, 8:00:02 PM)

Premarket: 6.49 -0.19 (-2.84%)

6.68

-0.04 (-0.6%)

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 Owners57.2%
Inst Owner Change-4.83%
Ins Owners7.07%
Ins Owner Change2.54%
Market Cap603.20M
Analysts75.38
Price Target7.73 (15.72%)
Short Float %3.15%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 11.9%
Yearly Dividend1.29
Dividend Growth(5Y)8.89%
DP-2222.36%
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)-343.08%
Min EPS beat(2)-945.64%
Max EPS beat(2)259.48%
EPS beat(4)2
Avg EPS beat(4)-247.83%
Min EPS beat(4)-1193.51%
Max EPS beat(4)888.35%
EPS beat(8)3
Avg EPS beat(8)-153.44%
EPS beat(12)4
Avg EPS beat(12)-890.01%
EPS beat(16)4
Avg EPS beat(16)-697.02%
Revenue beat(2)2
Avg Revenue beat(2)15.53%
Min Revenue beat(2)4.97%
Max Revenue beat(2)26.08%
Revenue beat(4)2
Avg Revenue beat(4)0.76%
Min Revenue beat(4)-20.48%
Max Revenue beat(4)26.08%
Revenue beat(8)2
Avg Revenue beat(8)-12.12%
Revenue beat(12)4
Avg Revenue beat(12)2.85%
Revenue beat(16)7
Avg Revenue beat(16)18.47%
PT rev (1m)5.81%
PT rev (3m)7.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)62.5%
EPS NY rev (1m)13.93%
EPS NY rev (3m)97.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)19.26%
Revenue NY rev (1m)9.92%
Revenue NY rev (3m)12.79%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.2
P/S 1.02
P/FCF 29.3
P/OCF 11.38
P/B 0.43
P/tB 0.43
EV/EBITDA 99.15
EPS(TTM)-0.06
EYN/A
EPS(NY)0.93
Fwd EY13.9%
FCF(TTM)0.23
FCFY3.41%
OCF(TTM)0.59
OCFY8.79%
SpS6.58
BVpS15.53
TBVpS15.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.05%
ROE -0.37%
ROCE 0.18%
ROIC 0.08%
ROICexc 0.08%
ROICexgc 0.08%
OM 1.66%
PM (TTM) N/A
GM 31.38%
FCFM 3.46%
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 5.94
Debt/FCF 404.17
Debt/EBITDA 193.58
Cap/Depr 97.85%
Cap/Sales 5.46%
Interest Coverage 0.03
Cash Conversion 123.33%
Profit Quality N/A
Current Ratio 0.07
Quick Ratio 0.07
Altman-Z -0.61
F-Score4
WACC5.25%
ROIC/WACC0.02
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)96.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%155.93%
EPS Next Y208.51%
EPS Next 2Y71.67%
EPS Next 3Y47.31%
EPS Next 5YN/A
Revenue 1Y (TTM)24.59%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%85.29%
Revenue Next Year91.51%
Revenue Next 2Y46.51%
Revenue Next 3Y35.22%
Revenue Next 5YN/A
EBIT growth 1Y132.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y125.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.65%
OCF growth 3Y-53.38%
OCF growth 5Y-16.71%