Arbor Realty Trust Financial Ratios — ABR Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-21.47	10.74	5.56	21.02	9.95	8.79	11.93	15.34	12.74	13.91	20.37	13.68	13.79	9.16	4.56
Return on Assets (%)	-2.3	1.24	1.18	4.97	2.89	2.1	2.23	2.81	2.37	2.46	2.98	2.03	2.27	1.81	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	15.41	8.36	8.11	7.78	5.66	16.58	21.27	16.79	16.08	13.1	11.14	11.08	10.1	12.46	18.9
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-96.03	22.08	23.83	98.25	55.64	39.26	43.21	47.66	48.74	54.49	71.77	59.98	59.35	47.51	35.23
Profit Margin (%)	-104.35	30.46	23.69	98.25	55.64	31.23	28.6	35	36.82	39.38	57.42	52.63	51.52	42.28	29.69
Net Income to Common Margin (%)	-104.35	30.46	18.65	90.59	47.78	26.54	25.66	32.71	34.65	37.64	53.71	46.01	45.78	35.67	21.43
Effective Tax Rate (%)	- -	- -	- -	- -	- -	1.3	12.05	6.17	8.83	17.08	10.91	4.71	6.39	4.53	10.63
Dvd Payout Ratio (%)	-0.04	48.44	123.38	30.17	64.32	47.44	37.37	39.43	75.3	77.43	52.02	82.36	87.37	135	221.99
Sustainable Growth Rate (%)	-21.48	5.54	-1.3	14.68	3.55	4.62	7.47	9.29	3.15	3.14	9.77	2.41	1.74	-3.21	-5.56

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	1,527	1,187	1,299	1,279	1,208	2,099	2,631	2,736	3,464	4,681	8,395	10,138	9,439	7,161	6,395
ST Debt	162	- -	159	180	136	907	529	478	441	1,002	723	418	577	750	496
LT Debt	1,365	1,187	1,140	1,099	1,072	1,193	2,102	2,258	3,023	3,679	7,672	9,720	8,862	6,412	5,899
Total Debt/EBITDA	256.52	201.04	179.17	173.51	222.19	78.54	48.2	49.23	61.64	82.32	127.52	147.77	129.6	91.84	67.51
Net Debt/EBITDA	247.24	196.1	170.84	166.67	187.47	73.35	46.29	46.35	56.31	76.35	121.37	139.98	116.84	85.38	62.42
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.63	13.48	19.7	23.9	26.04	16.75	16.72	17.47	17.55	16.38	12.35	13.52	15.78	17.72	16
Long-Term Debt/Equity (%)	788.8	513.27	260.51	205.25	189.63	159.63	243.19	211.9	222.92	248.14	300.86	316.42	272.29	203.42	192.34
Long-Term Debt/Capital (%)	80.31	83.69	65.64	60.57	60.44	41.9	60.15	59.39	62.72	59.69	70.1	73.58	69.81	62.17	62.34
Long-Term Debt/Total Assets (%)	76.83	69.75	60.72	58.88	58.64	40.14	57.98	48.96	48.45	48.02	50.89	57.05	56.31	47.53	40.7
Total Debt/Equity (%)	882.16	513.27	296.88	238.87	213.74	280.99	304.33	256.78	255.43	315.69	329.2	330.03	290.03	227.2	208.51
Total Debt/Capital (%)	89.82	83.69	74.8	70.49	68.13	73.75	75.27	71.97	71.87	75.94	76.7	76.75	74.36	69.44	67.59
Total Debt/Total Assets (%)	85.93	69.75	69.19	68.53	66.1	70.66	72.56	59.32	55.52	61.1	55.69	59.5	59.98	53.08	44.12
Net Debt to Equity	850.24	500.64	283.08	229.46	180.34	262.44	292.25	241.76	233.33	292.79	313.34	312.63	261.49	211.22	192.77
Net Debt/Capital (%)	89.48	83.35	73.9	69.65	64.33	72.41	74.51	70.74	70	74.54	75.81	75.77	72.34	67.87	65.84
EBITDA	6	6	7	7	5	27	55	56	56	57	66	69	73	78	95
EBITDA-CapEx	6	6	7	7	5	27	55	56	56	57	66	69	73	78	95
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.63	13.48	19.7	23.9	26.04	16.75	16.72	17.47	17.55	16.38	12.35	13.52	15.78	17.72	16
Long-Term Debt/Equity (%)	788.8	513.27	260.51	205.25	189.63	159.63	243.19	211.9	222.92	248.14	300.86	316.42	272.29	203.42	192.34
Long-Term Debt/Capital (%)	80.31	83.69	65.64	60.57	60.44	41.9	60.15	59.39	62.72	59.69	70.1	73.58	69.81	62.17	62.34
Long-Term Debt/Total Assets (%)	76.83	69.75	60.72	58.88	58.64	40.14	57.98	48.96	48.45	48.02	50.89	57.05	56.31	47.53	40.7
Total Debt/Equity (%)	882.16	513.27	296.88	238.87	213.74	280.99	304.33	256.78	255.43	315.69	329.2	330.03	290.03	227.2	208.51
Total Debt/Capital (%)	89.82	83.69	74.8	70.49	68.13	73.75	75.27	71.97	71.87	75.94	76.7	76.75	74.36	69.44	67.59
Total Debt/Total Assets (%)	85.93	69.75	69.19	68.53	66.1	70.66	72.56	59.32	55.52	61.1	55.69	59.5	59.98	53.08	44.12
CFO/Total Liabilities	-0.02	1.37	1.56	2.31	2.88	-8.93	16.65	-1.06	-4.64	0.89	1.73	7.87	1.89	4.46	3.26
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	-0.12	-0.05	0.03	0.09	0.12	0.1	0.15	0.2	0.24	0.22	0.18	0.15	0.2	0.2	0.1

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	86	187	327	342	364	383	533	846	1,574	1,747	2,773	2,351	2,862	2,621	1,517
- Cash & Cash Equivalents	55	29	60	50	189	139	104	160	300	340	405	534	929	504	483
+ Preferred Equity and Hybrid Capital	- -	- -	68	89	89	90	90	90	90	89	556	634	634	634	634
+ Minority/Non Controlling Interest	2	2	- -	- -	- -	160	169	170	171	138	132	135	137	128	114
+ Total Debt	1,527	1,187	1,299	1,279	1,208	2,099	2,631	2,736	3,464	4,681	8,395	10,138	9,439	7,161	6,395
Enterprise Value	1,555	1,343	1,596	1,657	1,471	2,588	3,318	3,682	4,999	6,316	11,451	12,723	12,142	10,040	8,177
Total Capital	1,700	1,418	1,737	1,815	1,773	2,846	3,496	3,802	4,820	6,163	10,945	13,210	12,694	10,313	9,462
Total Debt/Capital (%)	89.82	83.69	74.8	70.49	68.13	73.75	75.27	71.97	71.87	75.94	76.7	76.75	74.36	69.44	67.59
Total Debt / EV	0.98	0.88	0.81	0.77	0.82	0.81	0.79	0.74	0.69	0.74	0.73	0.8	0.78	0.71	0.78
EV/Sales	40.24	19.03	17.86	17.5	15.32	16.05	12.93	11.12	14.31	14.55	19.38	20.55	16.84	16.04	16.31
EV/EBITDA	261.21	227.53	220.16	224.8	270.56	96.83	60.79	66.24	88.97	111.07	173.95	185.45	166.71	128.76	86.32
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	66.61	70.88	53.81	40.46	- -	7.22	- -	- -	114.49	52.81	11.57	51.48	21.75	21.96
EV/Free Cash Flow to Firm	- -	66.61	70.88	53.81	40.46	- -	7.22	- -	- -	114.49	52.81	11.57	51.48	21.75	21.96
Diluted Market Cap	88	163	285	341	365	386	694	943	1,667	1,900	2,860	2,626	3,322	2,847	1,628
Diluted Enterprise Value	1,561	1,323	1,592	1,659	1,473	2,596	3,479	3,779	5,092	6,469	11,538	12,999	12,603	10,266	8,287
EV per Share	63.98	42.99	32.49	32.83	28.86	50.35	53.76	43.84	45.57	51.27	75.65	71.39	64.41	53.05	41.83
TTM Sales	39	71	89	95	96	161	257	331	349	434	591	619	721	626	501
TTM EBITDA	6	6	7	7	5	27	55	56	56	57	66	69	73	78	95
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	20	23	31	36	-199	460	-38	-227	55	217	1,100	236	462	372
TTM Free Cash Flow to Firm	- -	20	23	31	36	-199	460	-38	-227	55	217	1,100	236	462	372

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-225.58	8.08	12.67	11.07	10.03	-1.94	1.51	-24.99	-7.36	34.44	13.19	2.39	14.09	6.17	4.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1,555	1,343	1,596	1,657	1,471	2,588	3,318	3,682	4,999	6,316	11,451	12,723	12,142	10,040	8,177
Low Price	3.19	3.35	5.78	6.32	6.03	6.01	7.11	7.89	9.94	3.54	13.54	11.16	10.1	11.92	7.69
EV/Sales	40.24	19.03	17.86	17.5	15.32	16.05	12.93	11.12	14.31	14.55	19.38	20.55	16.84	16.04	16.31
EV/EBITDA	261.21	227.53	220.16	224.8	270.56	96.83	60.79	66.24	88.97	111.07	173.95	185.45	166.71	128.76	86.32
Price/Earnings	- -	7.51	16.94	3.96	7.93	8.94	7.6	6.53	11	9.88	7.96	7.66	8.49	11.71	13.94
Price/Earnings Average	-2.9	6.73	18.04	4.03	7.53	8.45	7.18	6.64	9.95	7.55	7.59	8.98	7.81	11.71	20.13
Price/Earnings High	-4.65	8.36	21.88	4.3	8.23	9.58	7.91	8.29	12.09	10.67	9.01	10.96	9.92	13.47	25.74
Price/Earnings Low	-1.98	4.2	14.7	3.69	6.68	7.2	6.25	5.11	7.62	2.47	5.88	6.48	5.65	10.07	13.81
Price/Book Value	0.5	0.82	0.88	0.77	0.77	0.77	0.88	1.05	1.44	1.39	1.49	1.02	1.15	1.1	0.65
Price/Book Value Average	0.66	0.73	0.94	0.78	0.73	0.73	0.83	1.07	1.3	1.06	1.42	1.2	1.06	1.1	0.94
Price/Book Value High	1.06	0.91	1.14	0.83	0.79	0.83	0.92	1.33	1.58	1.5	1.69	1.46	1.35	1.26	1.21
Price/Book Value Low	0.45	0.46	0.77	0.72	0.65	0.62	0.72	0.82	1	0.35	1.1	0.86	0.77	0.94	0.65
Price/Tangible Book Value	0.5	0.82	0.88	0.77	0.77	2.22	2.3	2.03	2.26	2.27	2.07	1.3	1.43	1.36	0.8
Price/Tangible Book Value Average	0.66	0.73	0.94	0.78	0.73	2.1	2.17	2.07	2.04	1.74	1.98	1.53	1.31	1.36	1.16
Price/Tangible Book Value High	1.06	0.91	1.14	0.83	0.79	2.38	2.39	2.58	2.48	2.45	2.35	1.86	1.67	1.56	1.48
Price/Tangible Book Value Low	0.45	0.46	0.77	0.72	0.65	1.79	1.89	1.59	1.56	0.57	1.53	1.1	0.95	1.17	0.79
Price/Sales	2.28	2.29	3.16	3.58	3.79	2.37	1.95	2.14	3.81	3.72	4.27	3.52	3.89	4.18	2.99
Price/Sales Average	3.02	2.05	3.36	3.65	3.6	2.24	1.84	2.17	3.45	2.84	4.08	4.13	3.58	4.18	4.31
Price/Sales High	4.85	2.55	4.08	3.9	3.93	2.54	2.03	2.71	4.19	4.02	4.84	5.04	4.54	4.81	5.52
Price/Sales Low	2.06	1.28	2.74	3.35	3.19	1.91	1.6	1.67	2.64	0.93	3.16	2.98	2.59	3.59	2.96
Price/Cash Flow	-225.58	8.01	12.54	11.02	10	-1.93	1.09	-18.74	-5.88	29.25	11.64	1.98	11.88	5.66	4.02
Price/Cash Flow Average	-299.82	7.17	13.35	11.22	9.51	-1.82	1.03	-19.06	-5.32	22.38	11.12	2.33	10.93	5.66	5.81
Price/Cash Flow High	-480.64	8.92	16.19	11.98	10.38	-2.06	1.13	-23.8	-6.46	31.61	13.18	2.84	13.89	6.52	7.43
Price/Cash Flow Low	-204.43	4.48	10.88	10.29	8.44	-1.55	0.9	-14.68	-4.07	7.3	8.61	1.68	7.91	4.87	3.98
Price/Free Cash Flow Average	-299.82	7.24	13.49	11.27	9.54	-1.84	1.43	-25.43	-6.65	26.34	12.59	2.8	12.96	6.17	6.31
Price/Free Cash Flow High	-480.64	9	16.36	12.04	10.41	-2.08	1.57	-31.74	-8.09	37.2	14.93	3.42	16.46	7.1	8.07
Price/Free Cash Flow Low	-204.43	4.52	10.99	10.34	8.46	-1.57	1.24	-19.58	-5.1	8.6	9.75	2.02	9.37	5.31	4.33
EV/Sales Average	41.08	18.81	18.51	17.59	15.15	15.95	12.82	11.16	13.87	13.6	19.17	21.21	16.52	16.04	17.66
EV/Sales High	42.86	19.38	19.34	17.84	15.48	16.25	13.02	11.81	14.75	14.87	20	22.19	17.51	16.67	18.88
EV/Sales Low	40.15	17.91	17.79	17.29	14.74	15.62	12.56	10.57	12.92	11.53	18.15	19.97	15.51	15.46	16.29
EV/EBITDA Average	266.66	224.84	228.23	225.98	267.61	96.24	60.26	66.51	86.27	103.85	172.04	191.36	163.56	128.77	93.43
EV/EBITDA High	278.18	231.73	238.46	229.18	273.46	98.05	61.18	70.35	91.74	113.54	179.51	200.23	173.33	133.83	99.88
EV/EBITDA Low	260.58	214.16	219.35	222.06	260.43	94.24	59.06	62.95	80.36	88.02	162.96	180.17	153.56	124.08	86.18
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.52	5.99	6.66	6.77	7.15	7.46	8.64	10.07	14.35	14.18	18.32	13.19	15.18	13.85	7.76
High Price	7.5	6.67	8.6	7.36	7.42	7.99	8.99	12.79	15.77	15.32	20.74	18.88	17.74	15.94	14.33
Enterprise Value Average	1,587	1,327	1,655	1,666	1,455	2,572	3,289	3,696	4,848	5,905	11,325	13,129	11,913	10,041	8,851
Enterprise Value High	1,656	1,368	1,729	1,689	1,487	2,621	3,340	3,910	5,155	6,456	11,817	13,737	12,625	10,436	9,461
Enterprise Value Low	1,551	1,264	1,590	1,637	1,416	2,519	3,224	3,499	4,515	5,005	10,728	12,361	11,185	9,675	8,163

Shares Outstanding	24	31	49	50	51	51	62	84	110	123	151	178	189	189	195
Diluted Weighted Avg Shares	25	27	43	50	51	52	80	94	116	134	156	199	219	206	210
Basic Weighted Avg Shares	25	27	42	50	51	51	58	70	93	114	138	165	185	189	193
Revenue per Share	1.55	2.62	2.11	1.89	1.89	3.14	4.43	4.72	3.76	3.81	4.29	3.74	3.9	3.32	2.6
EBITDA per Share	0.24	0.22	0.17	0.15	0.11	0.52	0.94	0.79	0.61	0.5	0.48	0.41	0.39	0.41	0.49
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.61	0.8	0.39	1.71	0.9	0.83	1.14	1.54	1.3	1.44	2.3	1.72	1.79	1.18	0.56
Basic EPS from Cont Ops	-1.49	0.61	0.5	1.86	1.05	1.22	1.68	2.11	1.67	1.72	2.74	2.14	2.17	1.5	0.82
Diluted EPS, GAAP	-1.61	0.79	0.39	1.7	0.9	0.83	0.82	1.16	1.04	1.22	2.03	1.43	1.51	1.09	0.51
Diluted EPS from Cont Ops	-1.49	0.6	0.5	1.85	1.05	1.21	1.21	1.58	1.34	1.46	2.42	1.78	1.83	1.38	0.75
Dividend per Share	- -	0.3	0.6	0.66	0.73	0.77	0.87	1.08	1.49	1.52	1.65	1.95	2.06	2.09	1.66
Cash Flow per Share	-0.02	0.75	0.53	0.61	0.71	-3.87	7.94	-0.54	-2.44	0.48	1.57	6.65	1.28	2.45	1.93
Free Cash Flow per Basic Share	-0.02	0.75	0.53	0.61	0.71	-3.87	7.94	-0.54	-2.44	0.48	1.57	6.65	1.28	2.45	1.93
Cash & Equivalents per Share	2.45	1.05	1.99	1.05	3.74	2.8	1.69	1.91	2.73	2.76	2.67	3	4.93	2.66	2.47
Book Value per Share	7.04	7.34	7.53	8.84	9.34	9.68	9.82	9.59	9.98	10.19	12.3	12.92	13.18	12.63	11.87
Tangible Book Value per Share	7.04	7.34	7.53	8.84	9.34	3.35	3.76	4.95	6.36	6.25	8.84	10.13	10.62	10.22	9.68

Arbor Realty Trust