ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ABR - US0389231087 - REIT
8.32 USD
-0.06 (-0.72%)
ABR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 68 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 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.
In the past year ABR had a positive cash flow from operations.
Each year in the past 5 years ABR has been profitable.
Each year in the past 5 years ABR had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.10%, ABR belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
ABR's Return On Equity of 5.09% is fine compared to the rest of the industry. ABR outperforms 69.12% of its industry peers.
ABR has a better Return On Invested Capital (1.05%) than 82.35% of its industry peers.
ABR had an Average Return On Invested Capital over the past 3 years of 1.81%. This 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 has a better Profit Margin (12.41%) than 67.65% of its industry peers.
In the last couple of years the Profit Margin of ABR has declined.
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.
ABR's Gross Margin of 42.98% is amongst the best of the industry. ABR outperforms 83.82% of its industry peers.
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
ABR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ABR has been increased compared to 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
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.
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.
A Debt/Equity ratio of 3.47 is on the high side and indicates that ABR has dependencies on debt 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
WACC6.87%
2.3 Liquidity
ABR has a Current Ratio of 83.21. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 83.21, ABR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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 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
Measured over the past years, ABR shows a very strong growth in Revenue. The Revenue has been growing by 21.64% on average per year.
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 -15.51% 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-40.94%
EPS Next 2Y-25.37%
EPS Next 3Y-15.51%
EPS Next 5YN/A
Revenue Next Year-22.76%
Revenue Next 2Y-13.29%
Revenue Next 3Y-10.18%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.50, 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.
Compared to an average S&P500 Price/Earnings ratio of 26.43, ABR is valued rather cheaply.
The Price/Forward Earnings ratio is 8.54, which indicates a very decent valuation of ABR.
ABR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ABR is cheaper than 63.24% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ABR to the average of the S&P500 Index (23.66), we can say ABR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 8.54 |
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.
97.06% of the companies in the same industry are more expensive than ABR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.99 | ||
| EV/EBITDA | 57.64 |
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 -15.51% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y-25.37%
EPS Next 3Y-15.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.00%, ABR is a good candidate for dividend investing.
In the last 3 months the price of ABR has falen by -29.40%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
With a Dividend Yield of 7.00, ABR pays less dividend than the industry average, which is at 12.28. 95.59% of the companies listed in the same industry pay a better dividend than ABR!
ABR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7% |
5.2 History
The dividend of ABR is nicely growing with an annual growth rate of 12.05%!
ABR has been paying a dividend for at least 10 years, so it has 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.
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-25.37%
EPS Next 3Y-15.51%
NYSE:ABR (12/17/2025, 10:40:53 AM)
8.32
-0.06 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners58.56%
Inst Owner Change-29.29%
Ins Owners2.19%
Ins Owner Change-2.49%
Market Cap1.63B
Revenue(TTM)1.23B
Net Income(TTM)152.68M
Analysts47.27
Price Target10.71 (28.73%)
Short Float %24.5%
Short Ratio14.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7% |
Yearly Dividend2.09
Dividend Growth(5Y)12.05%
DP225.84%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-12.5%
PT rev (3m)-11.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)-5.29%
Revenue NY rev (3m)-5.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.5 | ||
| Fwd PE | 8.54 | ||
| P/S | 1.32 | ||
| P/FCF | 3.99 | ||
| P/OCF | 3.73 | ||
| P/B | 0.54 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 57.64 |
EPS(TTM)1.28
EY15.38%
EPS(NY)0.97
Fwd EY11.71%
FCF(TTM)2.09
FCFY25.07%
OCF(TTM)2.23
OCFY26.78%
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
WACC6.87%
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-40.94%
EPS Next 2Y-25.37%
EPS Next 3Y-15.51%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%
Revenue Next Year-22.76%
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 5 / 10 to ABR.
What is the valuation status of ARBOR REALTY TRUST INC (ABR) stock?
ChartMill assigns a valuation rating of 7 / 10 to ARBOR REALTY TRUST INC (ABR). This can be considered as Undervalued.
How profitable is ARBOR REALTY TRUST INC (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 -40.94% in the next year.
Can you provide the dividend sustainability for ABR stock?
The dividend rating of ARBOR REALTY TRUST INC (ABR) is 5 / 10 and the dividend payout ratio is 225.84%.