ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ABR - US0389231087 - REIT
8.095 USD
+0.04 (+0.43%)
ABR gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 has a bad growth rate and is valued cheaply. These ratings would make ABR suitable 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.
- Each year in the past 5 years ABR had a positive operating cash flow.
1.2 Ratios
- ABR has a better Return On Assets (1.10%) than 85.29% of its industry peers.
- ABR has a better Return On Equity (5.09%) than 69.12% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 1.05%, ABR belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years 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
- The Profit Margin of ABR (12.41%) is better than 67.65% of its industry peers.
- ABR's Profit Margin has declined in the last couple of years.
- ABR has a Operating Margin of 14.95%. This is comparable to the rest of the industry: ABR outperforms 55.88% of its industry peers.
- ABR's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 42.98%, ABR belongs to the top of the industry, outperforming 83.82% of the companies in the same industry.
- In the last couple of years the Gross Margin of ABR has declined.
| 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.
- ABR has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for ABR has been increased compared to 5 years ago.
- ABR has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.25, we must say that ABR is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.25, ABR belongs to the top 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.
- The Debt to FCF ratio of ABR (25.46) is better than 89.71% of its industry peers.
- ABR has a Debt/Equity ratio of 3.47. This is a high value indicating a heavy dependency on external financing.
- With a decent Debt to Equity ratio value of 3.47, ABR is doing good in the industry, outperforming 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.47 | ||
| Debt/FCF | 25.46 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.15
WACC6.83%
2.3 Liquidity
- A Current Ratio of 83.21 indicates that ABR has no problem at all paying its short term obligations.
- ABR has a better Current ratio (83.21) than 100.00% of its industry peers.
- A Quick Ratio of 83.21 indicates that ABR has no problem at all paying its short term obligations.
- ABR has a better Quick ratio (83.21) than 100.00% of its industry peers.
| 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.
- ABR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.79% yearly.
- Looking at the last year, ABR shows a very negative growth in Revenue. The Revenue has decreased by -18.60% in the last year.
- 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
- The Earnings Per Share is expected to decrease by -12.39% on average over the next years. This is quite bad
- The Revenue is expected to decrease by -10.18% on average over the next years. This is quite bad
EPS Next Y-41.9%
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
EPS Next 5YN/A
Revenue Next Year-32.35%
Revenue Next 2Y-18.1%
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
- With a Price/Earnings ratio of 6.32, the valuation of ABR can be described as very cheap.
- Based on the Price/Earnings ratio, ABR is valued cheaper than 91.18% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.32. ABR is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 9.01, the valuation of ABR can be described as reasonable.
- Based on the Price/Forward Earnings ratio, ABR is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of ABR to the average of the S&P500 Index (24.30), we can say ABR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 9.01 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ABR is valued cheaper than 83.82% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, ABR is valued cheaper than 98.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.88 | ||
| EV/EBITDA | 57.33 |
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)0.93
EPS Next 2Y-28.33%
EPS Next 3Y-12.39%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 16.20%, ABR is a good candidate for dividend investing.
- In the last 3 months the price of ABR has falen by -31.81%. 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 11.01. ABR pays more dividend than 97.06% of the companies in the same industry.
- ABR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.2% |
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 (1/22/2026, 12:18:37 PM)
8.095
+0.04 (+0.43%)
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 Change-0.06%
Ins Owners2.19%
Ins Owner Change-2.49%
Market Cap1.58B
Revenue(TTM)1.23B
Net Income(TTM)152.68M
Analysts45.45
Price Target9.31 (15.01%)
Short Float %24.7%
Short Ratio13.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.2% |
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)-13.1%
PT rev (3m)-22.89%
EPS NQ rev (1m)-17.97%
EPS NQ rev (3m)-32.5%
EPS NY rev (1m)-1.63%
EPS NY rev (3m)-2.58%
Revenue NQ rev (1m)-16.84%
Revenue NQ rev (3m)-18.88%
Revenue NY rev (1m)-12.41%
Revenue NY rev (3m)-17.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 9.01 | ||
| P/S | 1.29 | ||
| P/FCF | 3.88 | ||
| P/OCF | 3.63 | ||
| P/B | 0.53 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | 57.33 |
EPS(TTM)1.28
EY15.81%
EPS(NY)0.9
Fwd EY11.1%
FCF(TTM)2.09
FCFY25.77%
OCF(TTM)2.23
OCFY27.52%
SpS6.29
BVpS15.32
TBVpS14.87
PEG (NY)N/A
PEG (5Y)0.93
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
WACC6.83%
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-32.35%
Revenue Next 2Y-18.1%
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%.