Angel Oak Mortgage, Inc.
Angel Oak Mortgage, Inc. Fundamental Analysis
Angel Oak Mortgage, Inc. (AOMR) shows moderate financial fundamentals with a PE ratio of 11.34, profit margin of 30.71%, and ROE of 7.05%. The company generates $0.1B in annual revenue with weak year-over-year growth of -6.21%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -4.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze AOMR's fundamental strength across five key dimensions:
Efficiency Score
WeakAOMR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAOMR trades at attractive valuation levels.
Growth Score
WeakAOMR faces weak or negative growth trends.
Financial Health Score
WeakAOMR carries high financial risk with limited liquidity.
Profitability Score
WeakAOMR struggles to sustain strong margins.
Key Financial Metrics
Is AOMR Expensive or Cheap?
P/E Ratio
AOMR trades at 11.34 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AOMR's PEG of -0.22 indicates potential undervaluation.
Price to Book
The market values Angel Oak Mortgage, Inc. at 0.76 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -3.77 times EBITDA. This is generally considered low.
How Well Does AOMR Make Money?
Net Profit Margin
For every $100 in sales, Angel Oak Mortgage, Inc. keeps $30.71 as profit after all expenses.
Operating Margin
Core operations generate 97.06 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.05 in profit for every $100 of shareholder equity.
ROA
Angel Oak Mortgage, Inc. generates $0.67 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Angel Oak Mortgage, Inc. generates limited operating cash flow of $-410.31M, signaling weaker underlying cash strength.
Free Cash Flow
Angel Oak Mortgage, Inc. generates weak or negative free cash flow of $-410.31M, restricting financial flexibility.
FCF Per Share
Each share generates $-16.47 in free cash annually.
FCF Yield
AOMR converts -1.76% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.22
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.76
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.63
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How AOMR Stacks Against Its Sector Peers
| Metric | AOMR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.34 | 24.23 | Better (Cheaper) |
| ROE | 7.05% | 659.00% | Weak |
| Net Margin | 30.71% | 4497.00% | Weak |
| Debt/Equity | 1.63 | -22.14 (disorted) | Distorted |
| Current Ratio | 0.15 | 13.87 | Weak Liquidity |
| ROA | 0.67% | -1390.00% (disorted) | Weak |
AOMR outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Angel Oak Mortgage, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
372.85%
Industry Style: Income, Inflation Hedge, REIT
High GrowthEPS CAGR
506.04%
Industry Style: Income, Inflation Hedge, REIT
High GrowthFCF CAGR
-463.67%
Industry Style: Income, Inflation Hedge, REIT
Declining