NEW YORK MORTGAGE TRUST INC(NASDAQ:NYMT) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, NYMT scores 3 out of 10 in our fundamental rating. NYMT was compared to 64 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. NYMT may be in some trouble as it scores bad on both profitability and health. NYMT is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year NYMT has reported negative net income.

NYMT had a negative operating cash flow in the past year.

In the past 5 years NYMT reported 4 times negative net income.

NYMT had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

NYMT has a Return On Assets of -0.34%. This is in the lower half of the industry: NYMT underperforms 64.06% of its industry peers.

With a Return On Equity value of -2.11%, NYMT is not doing good in the industry: 64.06% of the companies in the same industry are doing better.

NYMT's Return On Invested Capital of 0.42% is in line compared to the rest of the industry. NYMT outperforms 48.44% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.34%
ROE	-2.11%
ROIC	0.42%

ROA(3y)-1.38%

ROA(5y)-2.12%

ROE(3y)-6.27%

ROE(5y)-5.32%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Operating Margin of NYMT (7.52%) is comparable to the rest of the industry.

NYMT's Operating Margin has declined in the last couple of years.

With a decent Gross Margin value of 40.77%, NYMT is doing good in the industry, outperforming 75.00% of the companies in the same industry.

In the last couple of years the Gross Margin of NYMT has grown nicely.

		Industry Rank	Sector Rank
OM	7.52%
PM (TTM)	N/A
GM	40.77%

OM growth 3YN/A

OM growth 5Y-24.69%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y9.61%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NYMT is destroying value.

There is no outstanding debt for NYMT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

NYMT has an Altman-Z score of -0.54. This is a bad value and indicates that NYMT is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of NYMT (-0.54) is worse than 73.44% of its industry peers.

A Debt/Equity ratio of 4.92 is on the high side and indicates that NYMT has dependencies on debt financing.

NYMT has a Debt to Equity ratio (4.92) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.92
Debt/FCF	N/A
Altman-Z	-0.54

ROIC/WACC0.07

WACC5.93%

2.3 Liquidity

A Current Ratio of 0.10 indicates that NYMT may have some problems paying its short term obligations.

Looking at the Current ratio, with a value of 0.10, NYMT is doing worse than 62.50% of the companies in the same industry.

A Quick Ratio of 0.10 indicates that NYMT may have some problems paying its short term obligations.

NYMT has a Quick ratio of 0.10. This is in the lower half of the industry: NYMT underperforms 62.50% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.1
Quick Ratio	0.1

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NYMT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.03%.

EPS 1Y (TTM)3.03%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-225.71%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%58.99%

3.2 Future

The Earnings Per Share is expected to grow by 61.91% on average over the next years. This is a very strong growth

NYMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.86% yearly.

EPS Next Y155.96%

EPS Next 2Y61.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year37.41%

Revenue Next 2Y17.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

NYMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

A Price/Forward Earnings ratio of 12.03 indicates a correct valuation of NYMT.

NYMT's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of NYMT to the average of the S&P500 Index (22.68), we can say NYMT is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	12.03

4.2 Price Multiples

87.50% of the companies in the same industry are more expensive than NYMT, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	45.36

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as NYMT's earnings are expected to grow with 61.91% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y61.91%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NYMT has a Yearly Dividend Yield of 12.44%, which is a nice return.

Compared to an average industry Dividend Yield of 12.96, NYMT has a dividend in line with its industry peers.

NYMT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	12.44%

5.2 History

On average, the dividend of NYMT grows each year by 15.63%, which is quite nice.

NYMT has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)15.63%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The earnings of NYMT are negative and hence is the payout ratio. NYMT will probably not be able to sustain this dividend level.

The dividend of NYMT is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-412.48%

EPS Next 2Y61.91%

EPS Next 3YN/A

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NEW YORK MORTGAGE TRUST INC

NASDAQ:NYMT (2/21/2025, 8:00:01 PM)

After market: 6.52 +0.06 (+0.93%)

6.46

+0.03 (+0.47%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryMortgage Real Estate Investment Trusts (REITs)"

Earnings (Last)02-19 2025-02-19/amc

Earnings (Next)04-29 2025-04-29/amc

Inst Owners59.95%

Inst Owner Change-92.79%

Ins Owners1.4%

Ins Owner Change1.9%

Market Cap585.15M

Analysts74.29

Price Target7.22 (11.76%)

Short Float %2.76%

Short Ratio3.52

Dividend

		Industry Rank	Sector Rank
Dividend Yield	12.44%

Yearly Dividend1.88

Dividend Growth(5Y)15.63%

DP-412.48%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-152.58%

Min EPS beat(2)-1193.51%

Max EPS beat(2)888.35%

EPS beat(4)2

Avg EPS beat(4)269.46%

Min EPS beat(4)-1193.51%

Max EPS beat(4)1958.41%

EPS beat(8)3

Avg EPS beat(8)-669.72%

EPS beat(12)3

Avg EPS beat(12)-870.04%

EPS beat(16)4

Avg EPS beat(16)-648.25%

Revenue beat(2)0

Avg Revenue beat(2)-14.02%

Min Revenue beat(2)-20.48%

Max Revenue beat(2)-7.56%

Revenue beat(4)0

Avg Revenue beat(4)-19.44%

Min Revenue beat(4)-27.88%

Max Revenue beat(4)-7.56%

Revenue beat(8)1

Avg Revenue beat(8)8.1%

Revenue beat(12)3

Avg Revenue beat(12)1.62%

Revenue beat(16)7

Avg Revenue beat(16)36.34%

PT rev (1m)-6.59%

PT rev (3m)-6.59%

EPS NQ rev (1m)11.1%

EPS NQ rev (3m)11.1%

EPS NY rev (1m)0.21%

EPS NY rev (3m)14.74%

Revenue NQ rev (1m)-0.14%

Revenue NQ rev (3m)-0.14%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.25%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	12.03
P/S	0.94
P/FCF	N/A
P/OCF	N/A
P/B	0.41
P/tB	0.41
EV/EBITDA	45.36

EPS(TTM)-0.96

EYN/A

EPS(NY)0.54

Fwd EY8.32%

FCF(TTM)-0.32

FCFYN/A

OCF(TTM)-0.02

OCFYN/A

SpS6.84

BVpS15.94

TBVpS15.94

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.34%
ROE	-2.11%
ROCE	0.9%
ROIC	0.42%
ROICexc	0.43%
ROICexgc	0.43%
OM	7.52%
PM (TTM)	N/A
GM	40.77%
FCFM	N/A

ROA(3y)-1.38%

ROA(5y)-2.12%

ROE(3y)-6.27%

ROE(5y)-5.32%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y-14.38%

ROICexc growth 3YN/A

ROICexc growth 5Y-14.16%

OM growth 3YN/A

OM growth 5Y-24.69%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y9.61%

F-Score4

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	4.92
Debt/FCF	N/A
Debt/EBITDA	82.92
Cap/Depr	68.56%
Cap/Sales	4.34%
Interest Coverage	0.14
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.1
Quick Ratio	0.1
Altman-Z	-0.54

F-Score4

WACC5.93%

ROIC/WACC0.07

Cap/Depr(3y)203.32%

Cap/Depr(5y)N/A

Cap/Sales(3y)63.66%

Cap/Sales(5y)39.18%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)3.03%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-225.71%

EPS Next Y155.96%

EPS Next 2Y61.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%58.99%

Revenue Next Year37.41%

Revenue Next 2Y17.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y157.34%

EBIT growth 3YN/A

EBIT growth 5Y-25.61%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y66.09%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-101.36%

OCF growth 3Y-35.34%

OCF growth 5Y4.36%

NEW YORK MORTGAGE TRUST INC (NYMT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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