NEW YORK MORTGAGE TRUST - NYMT 4.85372 PERP (NYMTM) Stock Fundamental Analysis
USA - NASDAQ:NYMTM - US6496048736
24.98 USD
+0.2 (+0.81%)
NYMTM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. NYMTM may be in some trouble as it scores bad on both profitability and health. NYMTM is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NYMTM was profitable.
NYMTM had a positive operating cash flow in the past year.
In the past 5 years NYMTM reported 4 times negative net income.
NYMTM had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NYMTM has a Return On Assets of 0.16%. This is comparable to the rest of the industry: NYMTM outperforms 41.79% of its industry peers.
NYMTM has a Return On Equity (1.26%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 0.29%, NYMTM is doing worse than 64.18% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
NYMTM has a Profit Margin (2.78%) which is in line with its industry peers.
NYMTM's Operating Margin of 6.09% is on the low side compared to the rest of the industry. NYMTM is outperformed by 64.18% of its industry peers.
NYMTM's Gross Margin of 31.90% is fine compared to the rest of the industry. NYMTM outperforms 64.18% of its industry peers.
In the last couple of years the Gross Margin of NYMTM has remained more or less at the same level.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NYMTM is destroying value.
NYMTM has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for NYMTM has been reduced compared to 5 years ago.
Compared to 1 year ago, NYMTM has a worse debt to assets ratio.
2.2 Solvency
NYMTM has an Altman-Z score of -0.51. This is a bad value and indicates that NYMTM is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.51, NYMTM is doing worse than 65.67% of the companies in the same industry.
The Debt to FCF ratio of NYMTM is 136.55, which is on the high side as it means it would take NYMTM, 136.55 years of fcf income to pay off all of its debts.
NYMTM has a Debt to FCF ratio (136.55) which is comparable to the rest of the industry.
A Debt/Equity ratio of 6.46 is on the high side and indicates that NYMTM has dependencies on debt financing.
The Debt to Equity ratio of NYMTM (6.46) is worse than 64.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.46 | ||
| Debt/FCF | 136.55 | ||
| Altman-Z | -0.51 |
ROIC/WACC0.05
WACC5.88%
2.3 Liquidity
NYMTM has a Current Ratio of 0.06. This is a bad value and indicates that NYMTM is not financially healthy enough and could expect problems in meeting its short term obligations.
NYMTM has a worse Current ratio (0.06) than 70.15% of its industry peers.
A Quick Ratio of 0.06 indicates that NYMTM may have some problems paying its short term obligations.
With a Quick ratio value of 0.06, NYMTM is not doing good in the industry: 70.15% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
NYMTM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 112.10%, which is quite impressive.
NYMTM shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.19%.
NYMTM shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.75% yearly.
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
Based on estimates for the next years, NYMTM will show a very strong growth in Revenue. The Revenue will grow by 37.91% on average per year.
EPS Next Y171.3%
EPS Next 2Y71.75%
EPS Next 3Y47.47%
EPS Next 5YN/A
Revenue Next Year105.68%
Revenue Next 2Y61.88%
Revenue Next 3Y37.91%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 131.47, the valuation of NYMTM can be described as expensive.
76.12% of the companies in the same industry are cheaper than NYMTM, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.30. NYMTM is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 26.84, which means the current valuation is very expensive for NYMTM.
NYMTM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NYMTM is more expensive than 77.61% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, NYMTM is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 131.47 | ||
| Fwd PE | 26.84 |
4.2 Price Multiples
74.63% of the companies in the same industry are more expensive than NYMTM, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, NYMTM is valued a bit more expensive than the industry average as 62.69% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.54 | ||
| EV/EBITDA | 94 |
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.
NYMTM's earnings are expected to grow with 47.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y71.75%
EPS Next 3Y47.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.46%, NYMTM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.44, NYMTM is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, NYMTM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.46% |
5.2 History
NYMTM has been paying a dividend for over 5 years, so it has already some track record.
As NYMTM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
667.71% of the earnings are spent on dividend by NYMTM. This is not a sustainable payout ratio.
DP667.71%
EPS Next 2Y71.75%
EPS Next 3Y47.47%
NEW YORK MORTGAGE TRUST - NYMT 4.85372 PERP
NASDAQ:NYMTM (9/2/2025, 8:22:49 PM)
24.98
+0.2 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners57.82%
Inst Owner ChangeN/A
Ins Owners7.09%
Ins Owner ChangeN/A
Market Cap2.26B
Analysts76.67
Price Target27.78 (11.21%)
Short Float %0.01%
Short Ratio0.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.46% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP667.71%
Div Incr Years0
Div Non Decr Years5
Ex-Date
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)-3.09%
PT rev (3m)-4%
EPS NQ rev (1m)-5.43%
EPS NQ rev (3m)-20%
EPS NY rev (1m)-34.29%
EPS NY rev (3m)-25.14%
Revenue NQ rev (1m)4.69%
Revenue NQ rev (3m)15.5%
Revenue NY rev (1m)7.4%
Revenue NY rev (3m)7.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 131.47 | ||
| Fwd PE | 26.84 | ||
| P/S | 3.61 | ||
| P/FCF | 34.54 | ||
| P/OCF | 24.2 | ||
| P/B | 1.63 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | 94 |
EPS(TTM)0.19
EY0.76%
EPS(NY)0.93
Fwd EY3.73%
FCF(TTM)0.72
FCFY2.89%
OCF(TTM)1.03
OCFY4.13%
SpS6.93
BVpS15.29
TBVpS15.29
PEG (NY)0.77
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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
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-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector 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 | -0.51 |
F-Score5
WACC5.88%
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 Year105.68%
Revenue Next 2Y61.88%
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%