ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ABR - US0389231087 - REIT
8.325 USD
+0.11 (+1.4%)
Taking everything into account, ABR scores 6 out of 10 in our fundamental rating. ABR was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. ABR has only an average score on both its financial health and profitability. ABR is cheap, but on the other hand it scores bad on growth. With these ratings, ABR could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
- ABR had positive earnings in the past year.
- ABR had a positive operating cash flow in the past year.
- In the past 5 years ABR has always been profitable.
- In the past 5 years ABR always reported a positive cash flow from operatings.
1.2 Ratios
- ABR's Return On Assets of 1.10% is amongst the best of the industry. ABR outperforms 85.29% of its industry peers.
- ABR has a better Return On Equity (5.09%) than 69.12% of its industry peers.
- ABR's Return On Invested Capital of 1.05% is amongst the best of the industry. ABR outperforms 82.35% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ABR is in line with the industry average of 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 5.09% | ||
| ROIC | 1.05% |
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
1.3 Margins
- ABR's Profit Margin of 12.41% is fine compared to the rest of the industry. ABR outperforms 67.65% of its industry peers.
- ABR's Profit Margin has declined in the last couple of years.
- ABR has a Operating Margin (14.95%) which is comparable to the rest of the industry.
- ABR's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 42.98%, ABR belongs to the best of the industry, outperforming 83.82% of the companies in the same industry.
- ABR's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.95% | ||
| PM (TTM) | 12.41% | ||
| GM | 42.98% |
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ABR is destroying value.
- The number of shares outstanding for ABR has been increased compared to 1 year ago.
- ABR has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for ABR has been reduced compared to a year ago.
2.2 Solvency
- ABR has an Altman-Z score of 0.25. This is a bad value and indicates that ABR is not financially healthy and even has some risk of bankruptcy.
- With an excellent Altman-Z score value of 0.25, ABR belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
- The Debt to FCF ratio of ABR is 25.46, which is on the high side as it means it would take ABR, 25.46 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 25.46, ABR belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
- ABR has a Debt/Equity ratio of 3.47. This is a high value indicating a heavy dependency on external financing.
- ABR's Debt to Equity ratio of 3.47 is fine compared to the rest of the industry. ABR outperforms 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.47 | ||
| Debt/FCF | 25.46 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.15
WACC6.86%
2.3 Liquidity
- A Current Ratio of 83.21 indicates that ABR has no problem at all paying its short term obligations.
- The Current ratio of ABR (83.21) is better than 100.00% of its industry peers.
- ABR has a Quick Ratio of 83.21. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Quick ratio value of 83.21, ABR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 83.21 | ||
| Quick Ratio | 83.21 |
3. Growth
3.1 Past
- The earnings per share for ABR have decreased strongly by -31.18% in the last year.
- The Earnings Per Share has been growing slightly by 6.79% on average over the past years.
- The Revenue for ABR has decreased by -18.60% in the past year. This is quite bad
- The Revenue has been growing by 21.64% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-31.18%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-18.6%
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%
3.2 Future
- Based on estimates for the next years, ABR will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.39% on average per year.
- ABR is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -10.18% yearly.
EPS Next Y-41.9%
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
EPS Next 5YN/A
Revenue Next Year-28.97%
Revenue Next 2Y-13.29%
Revenue Next 3Y-10.18%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 6.50 indicates a rather cheap valuation of ABR.
- 91.18% of the companies in the same industry are more expensive than ABR, based on the Price/Earnings ratio.
- ABR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
- Based on the Price/Forward Earnings ratio of 9.26, the valuation of ABR can be described as reasonable.
- Based on the Price/Forward Earnings ratio, ABR is valued a bit cheaper than 66.18% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of ABR to the average of the S&P500 Index (24.31), we can say ABR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 9.26 |
4.2 Price Multiples
- 83.82% of the companies in the same industry are more expensive than ABR, based on the Enterprise Value to EBITDA ratio.
- ABR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ABR is cheaper than 97.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.99 | ||
| EV/EBITDA | 57.47 |
4.3 Compensation for Growth
- ABR has a very decent profitability rating, which may justify a higher PE ratio.
- ABR's earnings are expected to decrease with -12.39% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 17.07%, ABR is a good candidate for dividend investing.
- In the last 3 months the price of ABR has falen by -29.47%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- ABR's Dividend Yield is rather good when compared to the industry average which is at 10.90. ABR pays more dividend than 95.59% of the companies in the same industry.
- ABR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.07% |
5.2 History
- The dividend of ABR is nicely growing with an annual growth rate of 12.05%!
- ABR has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.05%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 225.84% of the earnings are spent on dividend by ABR. This is not a sustainable payout ratio.
- The Dividend Rate of ABR has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP225.84%
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
NYSE:ABR (1/16/2026, 12:37:56 PM)
8.325
+0.11 (+1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners58.95%
Inst Owner Change0.03%
Ins Owners2.19%
Ins Owner Change-2.49%
Market Cap1.63B
Revenue(TTM)1.23B
Net Income(TTM)152.68M
Analysts45.45
Price Target10.07 (20.96%)
Short Float %24.18%
Short Ratio12.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 17.07% |
Yearly Dividend2.09
Dividend Growth(5Y)12.05%
DP225.84%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.13%
Min EPS beat(2)8.8%
Max EPS beat(2)47.46%
EPS beat(4)4
Avg EPS beat(4)17.55%
Min EPS beat(4)2.68%
Max EPS beat(4)47.46%
EPS beat(8)8
Avg EPS beat(8)14.5%
EPS beat(12)12
Avg EPS beat(12)20.35%
EPS beat(16)14
Avg EPS beat(16)17.89%
Revenue beat(2)0
Avg Revenue beat(2)-30.35%
Min Revenue beat(2)-49.05%
Max Revenue beat(2)-11.66%
Revenue beat(4)0
Avg Revenue beat(4)-16.69%
Min Revenue beat(4)-49.05%
Max Revenue beat(4)-2.83%
Revenue beat(8)3
Avg Revenue beat(8)-5.76%
Revenue beat(12)7
Avg Revenue beat(12)26.28%
Revenue beat(16)11
Avg Revenue beat(16)70.48%
PT rev (1m)-5.95%
PT rev (3m)-16.55%
EPS NQ rev (1m)-27.85%
EPS NQ rev (3m)-40.62%
EPS NY rev (1m)-1.63%
EPS NY rev (3m)-2.58%
Revenue NQ rev (1m)-7.76%
Revenue NQ rev (3m)-10.02%
Revenue NY rev (1m)-8.04%
Revenue NY rev (3m)-12.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 9.26 | ||
| P/S | 1.32 | ||
| P/FCF | 3.99 | ||
| P/OCF | 3.74 | ||
| P/B | 0.54 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 57.47 |
EPS(TTM)1.28
EY15.38%
EPS(NY)0.9
Fwd EY10.8%
FCF(TTM)2.09
FCFY25.06%
OCF(TTM)2.23
OCFY26.76%
SpS6.29
BVpS15.32
TBVpS14.87
PEG (NY)N/A
PEG (5Y)0.96
Graham Number21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 5.09% | ||
| ROCE | 1.32% | ||
| ROIC | 1.05% | ||
| ROICexc | 1.08% | ||
| ROICexgc | 1.12% | ||
| OM | 14.95% | ||
| PM (TTM) | 12.41% | ||
| GM | 42.98% | ||
| FCFM | 33.19% |
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
ROICexc(3y)1.9%
ROICexc(5y)2.04%
ROICexgc(3y)1.97%
ROICexgc(5y)2.12%
ROCE(3y)2.29%
ROCE(5y)2.48%
ROICexgc growth 3Y-5.22%
ROICexgc growth 5Y-4.7%
ROICexc growth 3Y-5.83%
ROICexc growth 5Y-4.77%
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
F-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.47 | ||
| Debt/FCF | 25.46 | ||
| Debt/EBITDA | 51.6 | ||
| Cap/Depr | 157.77% | ||
| Cap/Sales | 2.25% | ||
| Interest Coverage | 0.27 | ||
| Cash Conversion | 216.42% | ||
| Profit Quality | 267.41% | ||
| Current Ratio | 83.21 | ||
| Quick Ratio | 83.21 | ||
| Altman-Z | 0.25 |
F-Score4
WACC6.86%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)220.9%
Profit Quality(5y)152.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.18%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-18.6%
EPS Next Y-41.9%
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%
Revenue Next Year-28.97%
Revenue Next 2Y-13.29%
Revenue Next 3Y-10.18%
Revenue Next 5YN/A
EBIT growth 1Y-43.38%
EBIT growth 3Y-9.53%
EBIT growth 5Y11.4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.66%
FCF growth 3Y28.32%
FCF growth 5YN/A
OCF growth 1Y-2.46%
OCF growth 3Y28.64%
OCF growth 5YN/A
ARBOR REALTY TRUST INC / ABR FAQ
What is the ChartMill fundamental rating of ARBOR REALTY TRUST INC (ABR) stock?
ChartMill assigns a fundamental rating of 6 / 10 to ABR.
Can you provide the valuation status for ARBOR REALTY TRUST INC?
ChartMill assigns a valuation rating of 7 / 10 to ARBOR REALTY TRUST INC (ABR). This can be considered as Undervalued.
What is the profitability of ABR stock?
ARBOR REALTY TRUST INC (ABR) has a profitability rating of 6 / 10.
What is the expected EPS growth for ARBOR REALTY TRUST INC (ABR) stock?
The Earnings per Share (EPS) of ARBOR REALTY TRUST INC (ABR) is expected to decline by -41.9% in the next year.
Is the dividend of ARBOR REALTY TRUST INC sustainable?
The dividend rating of ARBOR REALTY TRUST INC (ABR) is 6 / 10 and the dividend payout ratio is 225.84%.