ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis
USA - NYSE:ABR - US0389231087 - REIT
11.79 USD
+0.25 (+2.17%)
Taking everything into account, ABR scores 6 out of 10 in our fundamental rating. ABR was compared to 62 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While ABR has a great profitability rating, there are some minor concerns on its financial health. ABR has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
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 has a better Return On Assets (1.27%) than 87.10% of its industry peers.
ABR's Return On Equity of 5.80% is amongst the best of the industry. ABR outperforms 88.71% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.43%, ABR belongs to the top of the industry, outperforming 85.48% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ABR is in line with the industry average of 1.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 5.8% | ||
| ROIC | 1.43% |
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 (13.39%) than 75.81% of its industry peers.
ABR's Profit Margin has declined in the last couple of years.
ABR has a better Operating Margin (19.07%) than 79.03% of its industry peers.
In the last couple of years the Operating Margin of ABR has declined.
With an excellent Gross Margin value of 44.50%, ABR belongs to the best of the industry, outperforming 85.48% 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 | 19.07% | ||
| PM (TTM) | 13.39% | ||
| GM | 44.5% |
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.
ABR has more shares outstanding than it did 1 year ago.
ABR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ABR has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.30, we must say that ABR is in the distress zone and has some risk of bankruptcy.
ABR has a Altman-Z score of 0.30. This is amongst the best in the industry. ABR outperforms 82.26% of its industry peers.
The Debt to FCF ratio of ABR is 31.18, which is on the high side as it means it would take ABR, 31.18 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 31.18, ABR is in the better half of the industry, outperforming 79.03% of the companies in the same industry.
A Debt/Equity ratio of 3.40 is on the high side and indicates that ABR has dependencies on debt financing.
The Debt to Equity ratio of ABR (3.40) is better than 64.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.4 | ||
| Debt/FCF | 31.18 | ||
| Altman-Z | 0.3 |
ROIC/WACC0.2
WACC7.02%
2.3 Liquidity
ABR has a Current Ratio of 80.25. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
ABR has a better Current ratio (80.25) than 100.00% of its industry peers.
ABR has a Quick Ratio of 80.25. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
ABR has a better Quick ratio (80.25) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 80.25 | ||
| Quick Ratio | 80.25 |
3. Growth
3.1 Past
The earnings per share for ABR have decreased strongly by -31.31% 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.
The Revenue for ABR has decreased by -17.62% 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)-31.31%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-44.44%
Revenue 1Y (TTM)-17.62%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-21.87%
3.2 Future
ABR is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -21.42% yearly.
ABR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.37% yearly.
EPS Next Y-40.36%
EPS Next 2Y-21.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-18.47%
Revenue Next 2Y-7.37%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.67, which indicates a very decent valuation of ABR.
ABR's Price/Earnings ratio is a bit cheaper when compared to the industry. ABR is cheaper than 77.42% of the companies in the same industry.
When comparing the Price/Earnings ratio of ABR to the average of the S&P500 Index (27.20), we can say ABR is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.91, the valuation of ABR can be described as very reasonable.
ABR's Price/Forward Earnings ratio is in line with the industry average.
ABR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ABR indicates a rather cheap valuation: ABR is cheaper than 90.32% of the companies listed in the same industry.
83.87% 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 | 6.98 | ||
| EV/EBITDA | 46.55 |
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 -21.42% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y-21.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ABR has a Yearly Dividend Yield of 10.09%, which is a nice return.
ABR's Dividend Yield is slightly below the industry average, which is at 11.50.
Compared to an average S&P500 Dividend Yield of 2.38, ABR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
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
ABR pays out 214.62% 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.
DP214.62%
EPS Next 2Y-21.42%
EPS Next 3YN/A
NYSE:ABR (9/17/2025, 3:21:36 PM)
11.79
+0.25 (+2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners56.79%
Inst Owner Change45.78%
Ins Owners2.38%
Ins Owner Change1.29%
Market Cap2.27B
Analysts47.27
Price Target12.07 (2.37%)
Short Float %26.22%
Short Ratio20.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.09% |
Yearly Dividend2.09
Dividend Growth(5Y)12.05%
DP214.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.74%
Min EPS beat(2)2.68%
Max EPS beat(2)8.8%
EPS beat(4)4
Avg EPS beat(4)7.97%
Min EPS beat(4)2.68%
Max EPS beat(4)11.25%
EPS beat(8)8
Avg EPS beat(8)11.08%
EPS beat(12)11
Avg EPS beat(12)16.22%
EPS beat(16)14
Avg EPS beat(16)15.79%
Revenue beat(2)0
Avg Revenue beat(2)-7.43%
Min Revenue beat(2)-11.66%
Max Revenue beat(2)-3.21%
Revenue beat(4)1
Avg Revenue beat(4)-3.23%
Min Revenue beat(4)-11.66%
Max Revenue beat(4)4.78%
Revenue beat(8)4
Avg Revenue beat(8)1.15%
Revenue beat(12)8
Avg Revenue beat(12)50.32%
Revenue beat(16)12
Avg Revenue beat(16)85.96%
PT rev (1m)-1.39%
PT rev (3m)0%
EPS NQ rev (1m)-7%
EPS NQ rev (3m)-7%
EPS NY rev (1m)-6.34%
EPS NY rev (3m)-11.17%
Revenue NQ rev (1m)-5.99%
Revenue NQ rev (3m)-7.04%
Revenue NY rev (1m)-4.23%
Revenue NY rev (3m)-5.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 10.91 | ||
| P/S | 1.76 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.62 | ||
| P/B | 0.76 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | 46.55 |
EPS(TTM)1.36
EY11.54%
EPS(NY)1.08
Fwd EY9.17%
FCF(TTM)1.69
FCFY14.32%
OCF(TTM)1.78
OCFY15.09%
SpS6.7
BVpS15.47
TBVpS15.02
PEG (NY)N/A
PEG (5Y)1.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 5.8% | ||
| ROCE | 1.81% | ||
| ROIC | 1.43% | ||
| ROICexc | 1.46% | ||
| ROICexgc | 1.52% | ||
| OM | 19.07% | ||
| PM (TTM) | 13.39% | ||
| GM | 44.5% | ||
| FCFM | 25.22% |
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%
ROICexcg growth 3Y-5.22%
ROICexcg 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-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.4 | ||
| Debt/FCF | 31.18 | ||
| Debt/EBITDA | 38.99 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.35 | ||
| Cash Conversion | 131.78% | ||
| Profit Quality | 188.38% | ||
| Current Ratio | 80.25 | ||
| Quick Ratio | 80.25 | ||
| Altman-Z | 0.3 |
F-Score5
WACC7.02%
ROIC/WACC0.2
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)-31.31%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-44.44%
EPS Next Y-40.36%
EPS Next 2Y-21.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.62%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-21.87%
Revenue Next Year-18.47%
Revenue Next 2Y-7.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-29.76%
EBIT growth 3Y-9.53%
EBIT growth 5Y11.4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.64%
FCF growth 3Y28.32%
FCF growth 5YN/A
OCF growth 1Y-21.63%
OCF growth 3Y28.64%
OCF growth 5YN/A