New York Mortgage Trust, Inc.
New York Mortgage Trust, Inc. Fundamental Analysis
New York Mortgage Trust, Inc. (NYMTL) shows strong financial fundamentals with a PE ratio of 6.36, profit margin of 45.41%, and ROE of 7.22%. The company generates $0.1B in annual revenue with strong year-over-year growth of 14.99%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze NYMTL's fundamental strength across five key dimensions:
Efficiency Score
WeakNYMTL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNYMTL trades at attractive valuation levels.
Growth Score
ModerateNYMTL shows steady but slowing expansion.
Financial Health Score
ModerateNYMTL shows balanced financial health with some risks.
Profitability Score
ModerateNYMTL maintains healthy but balanced margins.
Key Financial Metrics
Is NYMTL Expensive or Cheap?
P/E Ratio
NYMTL trades at 6.36 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NYMTL's PEG of 0.02 indicates potential undervaluation.
Price to Book
The market values New York Mortgage Trust, Inc. at 0.45 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.48 times EBITDA. This is generally considered low.
How Well Does NYMTL Make Money?
Net Profit Margin
For every $100 in sales, New York Mortgage Trust, Inc. keeps $45.41 as profit after all expenses.
Operating Margin
Core operations generate 57.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.22 in profit for every $100 of shareholder equity.
ROA
New York Mortgage Trust, Inc. generates $0.80 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
New York Mortgage Trust, Inc. generates strong operating cash flow of $20.17M, reflecting robust business health.
Free Cash Flow
New York Mortgage Trust, Inc. generates weak or negative free cash flow of $692.81K, restricting financial flexibility.
FCF Per Share
Each share generates $0.02 in free cash annually.
FCF Yield
NYMTL converts 0.35% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.36
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.45
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How NYMTL Stacks Against Its Sector Peers
| Metric | NYMTL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.36 | 24.23 | Better (Cheaper) |
| ROE | 7.22% | 659.00% | Weak |
| Net Margin | 45.41% | 4497.00% | Weak |
| Debt/Equity | 0.00 | -22.14 (disorted) | Distorted |
| Current Ratio | 0.00 | 13.87 | Weak Liquidity |
| ROA | 0.80% | -1390.00% (disorted) | Weak |
NYMTL outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews New York Mortgage Trust, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-33.68%
Industry Style: Income, Inflation Hedge, REIT
DecliningEPS CAGR
-121.76%
Industry Style: Income, Inflation Hedge, REIT
DecliningFCF CAGR
-75.57%
Industry Style: Income, Inflation Hedge, REIT
Declining