ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis

NYSE:ABR • US0389231087

7.1631 USD
-0.13 (-1.74%)
Last: Feb 25, 2026, 03:56 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ABR. ABR was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and the financial health of ABR get a neutral evaluation. Nothing too spectacular is happening here. ABR has a bad growth rate and is valued cheaply. These ratings would make ABR suitable for value investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year ABR was profitable.
  • ABR had a positive operating cash flow in the past year.
  • ABR had positive earnings in each of the past 5 years.
  • ABR had a positive operating cash flow in each of the past 5 years.
ABR Yearly Net Income VS EBIT VS OCF VS FCFABR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M 1B

1.2 Ratios

  • With an excellent Return On Assets value of 1.10%, ABR belongs to the best of the industry, outperforming 84.06% of the companies in the same industry.
  • With a decent Return On Equity value of 5.09%, ABR is doing good in the industry, outperforming 71.01% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 1.05%, ABR belongs to the best of the industry, outperforming 81.16% 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 1.30%.
Industry RankSector 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%
ABR Yearly ROA, ROE, ROICABR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of ABR (12.41%) is better than 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of ABR has declined.
  • ABR has a Operating Margin of 14.95%. This is comparable to the rest of the industry: ABR outperforms 55.07% 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 85.51% of the companies in the same industry.
  • In the last couple of years the Gross Margin of ABR has declined.
Industry RankSector 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%
ABR Yearly Profit, Operating, Gross MarginsABR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ABR is destroying value.
  • Compared to 1 year ago, ABR has more shares outstanding
  • ABR has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ABR has an improved debt to assets ratio.
ABR Yearly Shares OutstandingABR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ABR Yearly Total Debt VS Total AssetsABR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 0.24, we must say that ABR is in the distress zone and has some risk of bankruptcy.
  • ABR has a better Altman-Z score (0.24) than 85.51% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 25.46, ABR belongs to the top of the industry, outperforming 91.30% of the companies in the same industry.
  • A Debt/Equity ratio of 3.47 is on the high side and indicates that ABR has dependencies on debt financing.
  • ABR has a Debt to Equity ratio of 3.47. This is in the better half of the industry: ABR outperforms 71.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.47
Debt/FCF 25.46
Altman-Z 0.24
ROIC/WACC0.16
WACC6.72%
ABR Yearly LT Debt VS Equity VS FCFABR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

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.
  • Looking at the Quick ratio, with a value of 83.21, ABR belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 83.21
Quick Ratio 83.21
ABR Yearly Current Assets VS Current LiabilitesABR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for ABR have decreased strongly by -31.18% in the last year.
  • Measured over the past 5 years, ABR shows a small growth in Earnings Per Share. The EPS has been growing by 6.79% on average per year.
  • ABR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.60%.
  • ABR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.64% yearly.
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 -16.05% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -14.75% on average over the next years. This is quite bad
EPS Next Y-41.42%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
EPS Next 5YN/A
Revenue Next Year-38.06%
Revenue Next 2Y-23%
Revenue Next 3Y-14.75%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
ABR Yearly Revenue VS EstimatesABR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
ABR Yearly EPS VS EstimatesABR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.60, which indicates a rather cheap valuation of ABR.
  • Based on the Price/Earnings ratio, ABR is valued cheaper than 92.75% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.98. ABR is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.46 indicates a reasonable valuation of ABR.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ABR indicates a somewhat cheap valuation: ABR is cheaper than 63.77% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of ABR to the average of the S&P500 Index (28.01), we can say ABR is valued rather cheaply.
Industry RankSector Rank
PE 5.6
Fwd PE 8.46
ABR Price Earnings VS Forward Price EarningsABR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 86.96% of the companies in the same industry are more expensive than ABR, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, ABR is valued cheaply inside the industry as 98.55% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.43
EV/EBITDA 56.58
ABR Per share dataABR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of ABR may justify a higher PE ratio.
  • ABR's earnings are expected to decrease with -16.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.82
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • ABR has a Yearly Dividend Yield of 17.80%, which is a nice return.
  • ABR's Dividend Yield is rather good when compared to the industry average which is at 11.23. ABR pays more dividend than 97.10% of the companies in the same industry.
  • ABR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 17.8%

5.2 History

  • On average, the dividend of ABR grows each year by 12.05%, which is quite nice.
  • 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
ABR Yearly Dividends per shareABR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • ABR pays out 225.84% of its income as dividend. This is not a sustainable payout ratio.
  • ABR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP225.84%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
ABR Yearly Income VS Free CF VS DividendABR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M 1B
ABR Dividend Payout.ABR Dividend Payout, showing the Payout Ratio.ABR Dividend Payout.PayoutRetained Earnings

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ARBOR REALTY TRUST INC

NYSE:ABR (2/25/2026, 3:56:07 PM)

7.1631

-0.13 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-31
Earnings (Next)02-27
Inst Owners58.95%
Inst Owner Change4.01%
Ins Owners2.19%
Ins Owner Change-2.49%
Market Cap1.40B
Revenue(TTM)1.23B
Net Income(TTM)152.68M
Analysts46.67
Price Target9.35 (30.53%)
Short Float %23.9%
Short Ratio12.04
Dividend
Industry RankSector Rank
Dividend Yield 17.8%
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)0.46%
PT rev (3m)-14.73%
EPS NQ rev (1m)20.31%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)-0.32%
Revenue NQ rev (3m)-27.07%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-24.05%
Valuation
Industry RankSector Rank
PE 5.6
Fwd PE 8.46
P/S 1.14
P/FCF 3.43
P/OCF 3.22
P/B 0.47
P/tB 0.48
EV/EBITDA 56.58
EPS(TTM)1.28
EY17.87%
EPS(NY)0.85
Fwd EY11.82%
FCF(TTM)2.09
FCFY29.12%
OCF(TTM)2.23
OCFY31.1%
SpS6.29
BVpS15.32
TBVpS14.87
PEG (NY)N/A
PEG (5Y)0.82
Graham Number21
Profitability
Industry RankSector 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 RankSector 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 0.24
F-Score4
WACC6.72%
ROIC/WACC0.16
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-41.42%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%
Revenue Next Year-38.06%
Revenue Next 2Y-23%
Revenue Next 3Y-14.75%
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 -41.42% 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%.