📊 ABR-PF Key Takeaways
Is Arbor Realty Trust Inc. (ABR-PF) a Good Investment?
Arbor Realty Trust demonstrates strong operational profitability with 74% operating margins and solid interest coverage of 14.5x, supported by positive free cash flow of $372.4M. However, concerning trends include declining revenue (-12.5% YoY), significantly lower net income (-31.9% YoY), and diluted EPS compression (-52.5% YoY), indicating earnings quality deterioration despite operational strength. The elevated debt-to-equity ratio of 3.75x combined with low ROA of 0.7% and ROE of 3.6% suggest capital is not being efficiently deployed, warranting cautious positioning.
Arbor Realty Trust remains highly profitable on a margin basis and continues to generate solid operating cash flow, supported by strong interest coverage and a meaningful cash balance. However, the quality of the current fundamental picture is weakened by sharp year-over-year declines in revenue, net income, and diluted EPS, combined with high leverage and modest returns on equity and assets. The company looks financially stable for now, but fundamentals point more to balance-sheet management and earnings stabilization than clear operating momentum.
Why Buy Arbor Realty Trust Inc. Stock? ABR-PF Key Strengths
- Strong operating margin of 74.2% demonstrates pricing power and cost control
- Robust interest coverage ratio of 14.5x indicates strong ability to service debt obligations
- Positive free cash flow of $372.4M provides financial flexibility and supports distributions
- Adequate cash position of $482.9M provides liquidity buffer
- Very high operating and net margins indicate the business is still generating strong earnings from its revenue base
- Operating cash flow is solid at $372.38M and exceeds reported net income, which supports earnings quality
- Interest coverage of 14.5x and nearly $483M in cash provide a cushion against near-term financing pressure
ABR-PF Stock Risks: Arbor Realty Trust Inc. Investment Risks
- Sharp revenue decline of 12.5% YoY suggests weakening mortgage/lending market demand
- Severe net income decline of 31.9% YoY and diluted EPS compression of 52.5% YoY indicate significant earnings deterioration
- High leverage with 3.75x debt-to-equity ratio limits financial flexibility and increases refinancing risk
- Extremely low ROA of 0.7% and ROE of 3.6% demonstrate poor capital efficiency relative to asset base
- Significant insider activity (21 Form 4 filings in 90 days) warrants further investigation into magnitude and direction
- Revenue, net income, and diluted EPS are all declining materially year over year, signaling weakening earnings momentum
- Leverage is elevated with $11.07B of long-term debt and a 3.75x debt-to-equity ratio
- ROE of 3.6% and ROA of 0.7% are low for the balance-sheet size, suggesting limited efficiency in generating shareholder returns
Key Metrics to Watch
- Revenue trend stabilization and return to growth trajectory
- Net income recovery and EPS trend reversal
- Debt-to-equity ratio reduction and deleveraging progress
- Return on assets and return on equity improvement
- Operating cash flow sustainability amid market headwinds
- Net income and diluted EPS trend over the next several quarters
- Debt levels, interest coverage, and cash flow from operations
Arbor Realty Trust Inc. (ABR-PF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 156.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ABR-PF Profit Margin, ROE & Profitability Analysis
ABR-PF vs Real Estate Sector: How Arbor Realty Trust Inc. Compares
How Arbor Realty Trust Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Arbor Realty Trust Inc. Stock Overvalued? ABR-PF Valuation Analysis 2026
Based on fundamental analysis, Arbor Realty Trust Inc. has mixed fundamental signals relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Arbor Realty Trust Inc. Balance Sheet: ABR-PF Debt, Cash & Liquidity
ABR-PF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Arbor Realty Trust Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.75 reflects profitable operations.
ABR-PF Revenue Growth, EPS Growth & YoY Performance
ABR-PF Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2018 | $6.6M | $11.9M | $0.21 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Arbor Realty Trust Inc. Dividends, Buybacks & Capital Allocation
ABR-PF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Arbor Realty Trust Inc. (CIK: 0001253986)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ABR-PF
What is the AI rating for ABR-PF?
Arbor Realty Trust Inc. (ABR-PF) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ABR-PF's key strengths?
Claude: Strong operating margin of 74.2% demonstrates pricing power and cost control. Robust interest coverage ratio of 14.5x indicates strong ability to service debt obligations. ChatGPT: Very high operating and net margins indicate the business is still generating strong earnings from its revenue base. Operating cash flow is solid at $372.38M and exceeds reported net income, which supports earnings quality.
What are the risks of investing in ABR-PF?
Claude: Sharp revenue decline of 12.5% YoY suggests weakening mortgage/lending market demand. Severe net income decline of 31.9% YoY and diluted EPS compression of 52.5% YoY indicate significant earnings deterioration. ChatGPT: Revenue, net income, and diluted EPS are all declining materially year over year, signaling weakening earnings momentum. Leverage is elevated with $11.07B of long-term debt and a 3.75x debt-to-equity ratio.
What is ABR-PF's revenue and growth?
Arbor Realty Trust Inc. reported revenue of $238.2M.
Does ABR-PF pay dividends?
Arbor Realty Trust Inc. pays dividends, with $319.9M distributed to shareholders in the trailing twelve months.
Where can I find ABR-PF SEC filings?
Official SEC filings for Arbor Realty Trust Inc. (CIK: 0001253986) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ABR-PF's EPS?
Arbor Realty Trust Inc. has a diluted EPS of $0.56.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ABR-PF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Arbor Realty Trust Inc. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is ABR-PF stock overvalued or undervalued?
Valuation metrics for ABR-PF: ROE of 3.6% (sector avg: 8%), net margin of 45.1% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
Should I buy ABR-PF stock in 2026?
Our dual AI analysis gives Arbor Realty Trust Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is ABR-PF's free cash flow?
Arbor Realty Trust Inc.'s operating cash flow is $372.4M, with capital expenditures of N/A. FCF margin is 156.3%.
How does ABR-PF compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 45.1% (avg: 20%), ROE 3.6% (avg: 8%), current ratio N/A (avg: 1.5).
Is Arbor Realty Trust Inc. carrying too much debt?
ABR-PF has a debt-to-equity ratio of 3.75x, which is above the Real Estate sector average of 1.5x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.