NYSE : ABR
Arbor Realty Trust, Inc. — Financial statements
Real Estate · REIT - Mortgage · United States
Last price 3.02 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 612.24M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 923.84M | 940.01M | 1.17B | 1.33B | 948.40M | 466.09M |
| Total Interest Expense | 717.48M | 701.84M | 804.62M | 903.23M | 557.62M | 212.00M |
| Net Interest Income | 206.35M | 238.17M | 363.26M | 427.99M | 390.78M | 254.08M |
| Mortgage Banking | 52.78M | 54.53M | 51.27M | 69.91M | 69.35M | 130.23M |
| Gain (Loss) on Sale of Loans & Receivables | 59.50M | 70.67M | 74.93M | 72.52M | 55.82M | 123.04M |
| Other Revenue | 220.29M | 224.66M | 206.60M | 222.03M | 159.30M | 133.02M |
| Revenue Before Loan Losses | 538.93M | 588.03M | 696.06M | 792.45M | 675.24M | 640.37M |
| Provision for Loan Losses | 94.41M | 42.70M | 68.54M | 73.45M | 21.17M | -21.11M |
| Revenue | 444.52M | 545.34M | 627.52M | 719.01M | 654.07M | 661.48M |
| Salaries & Employee Benefits | 178.06M | 174.15M | 181.69M | 159.79M | 161.82M | 171.80M |
| Cost of Services Provided | 109.99M | 87.78M | 62.33M | 57.16M | 56.13M | 46.29M |
| Other Operating Expenses | 109.87M | 92.29M | 77.22M | 72.40M | 13.54M | 14.23M |
| Total Operating Expenses | 425.09M | 377.44M | 330.79M | 299.09M | 240.22M | 239.53M |
| Operating Income | 19.43M | 167.90M | 296.72M | 419.92M | 413.85M | 421.95M |
| Earnings From Equity Investments | 8.47M | 50.88M | 5.77M | 24.28M | 14.25M | 34.57M |
| EBT Excluding Unusual Items | 27.89M | 218.78M | 302.50M | 444.20M | 428.10M | 456.51M |
| Other Unusual Items | -600.00K | -2.92M | -412.00K | -1.56M | -4.93M | -3.37M |
| Pretax Income | -67.18M | 176.61M | 297.40M | 427.90M | 371.31M | 424.09M |
| Income Tax Expense | 8.25M | 18.78M | 13.48M | 27.35M | 17.48M | 46.28M |
| Earnings From Continuing Ops. | -75.43M | 157.83M | 283.92M | 400.56M | 353.83M | 377.81M |
| Minority Interest in Earnings | 9.30M | -9.03M | -19.28M | -29.12M | -28.04M | -38.51M |
| Net Income | -66.12M | 148.80M | 264.64M | 371.43M | 325.78M | 339.30M |
| Preferred Dividends & Other Adjustments | 41.37M | 41.37M | 41.37M | 41.37M | 40.95M | 21.89M |
| Net Income to Common | -107.49M | 107.43M | 223.27M | 330.06M | 284.83M | 317.41M |
| Shares Outstanding (Basic) | 187.34M | 192.96M | 188.70M | 184.64M | 165.36M | 137.83M |
| Shares Outstanding (Diluted) | 187.34M | 209.73M | 205.53M | 218.84M | 199.11M | 156.09M |
| EPS (Basic) | -0.57 | 0.56 | 1.18 | 1.79 | 1.72 | 2.30 |
| EPS (Diluted) | -0.57 | 0.56 | 1.18 | 1.75 | 1.67 | 2.28 |
| Dividend Per Share | 0.64 | 1.20 | 1.72 | 1.71 | 1.57 | 1.42 |
| Operating Margin | 4.37% | 30.79% | 47.28% | 58.40% | 63.27% | 63.79% |
| Profit Margin | -24.18% | 19.70% | 35.58% | 45.91% | 43.55% | 47.98% |
| Effective Tax Rate | 10.63% | 4.53% | 6.39% | 4.71% | 10.91% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 439.69M | 482.88M | 503.80M | 928.97M | 534.36M | 404.58M |
| Long-Term Investments | 447.76M | 416.17M | 382.31M | 320.32M | 346.40M | 385.67M |
| Trading Asset Securities | 1.98M | 585.00K | 95.00K | 6.55M | 1.50M | 1.67M |
| Loans & Lease Receivables | 11.54B | 11.73B | 10.89B | 12.29B | 14.14B | 11.83B |
| Other Receivables | 189.60M | 172.23M | 167.19M | 188.62M | 185.92M | 142.62M |
| Goodwill | 56.63M | 56.63M | 56.63M | 56.63M | 56.63M | |
| Other Intangible Assets | 400.69M | 370.77M | 400.17M | 426.01M | 440.91M | 466.87M |
| Restricted Cash | 250.88M | 67.35M | 156.38M | 608.23M | 713.81M | 486.69M |
| Other Long-Term Assets | 724.75M | 787.09M | 503.50M | 359.53M | 261.44M | 209.98M |
| Total Assets | 14.24B | 14.49B | 13.49B | 15.74B | 17.04B | 15.07B |
| Short-Term Debt | 2.59B | 4.02B | 2.49B | 2.06B | 1.86B | 2.38B |
| Current Portion of Long-Term Debt | 64.88M | 1.51B | 1.38B | 1.25B | 1.91B | 1.92B |
| Current Portion of Leases | 2.90M | 11.42M | ||||
| Long-Term Debt | 8.54B | 5.52B | 6.10B | 8.78B | 9.79B | 7.86B |
| Long-Term Leases | 47.53M | 47.53M | ||||
| Other Long-Term Liabilities | 350.51M | 318.81M | 363.61M | 383.14M | 400.41M | 369.04M |
| Total Liabilities | 11.60B | 11.43B | 10.34B | 12.48B | 13.97B | 12.52B |
| Common Stock | 1.86M | 1.96M | 1.89M | 1.89M | 1.78M | 1.51M |
| Additional Paid-In Capital | 2.30B | 2.45B | 2.38B | 2.37B | 2.20B | 1.80B |
| Retained Earnings | -384.34M | -136.60M | 13.04M | 115.22M | 97.05M | 62.53M |
| Total Common Equity | 1.91B | 2.32B | 2.39B | 2.48B | 2.30B | 1.86B |
| Minority Interest | 92.92M | 113.80M | 127.89M | 136.63M | 134.88M | 131.86M |
| Shareholders' Equity | 2.64B | 3.07B | 3.15B | 3.25B | 3.07B | 2.55B |
| Total Liabilities & Equity | 14.24B | 14.49B | 13.49B | 15.74B | 17.04B | 15.07B |
| Total Debt | 11.24B | 11.11B | 9.98B | 12.10B | 13.57B | 12.15B |
| Net Cash (Debt) | -10.80B | -10.63B | -9.47B | -11.17B | -13.03B | -11.75B |
| Net Cash Per Share | -57.66 | -50.66 | -46.08 | -51.02 | -65.44 | -75.27 |
| Filing Date Shares Outstanding | 184.18M | 193.12M | 189.51M | 188.51M | 179.82M | 152.11M |
| Total Common Shares Outstanding | 186.44M | 195.49M | 189.26M | 188.51M | 178.23M | 151.36M |
| Working Capital | 10.01B | 7.32B | 8.28B | 11.26B | 12.16B | 9.66B |
| Book Value Per Share | 10.27 | 11.87 | 12.63 | 13.18 | 12.92 | 12.30 |
| Tangible Book Value | 1.83B | 2.23B | 2.30B | 2.39B | 2.21B | 1.76B |
| Tangible Book Value Per Share | 9.81 | 11.42 | 12.16 | 12.69 | 12.38 | 11.64 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -66.12M | 148.80M | 264.64M | 371.43M | 325.78M | 339.30M |
| Depreciation & Amortization | 114.83M | 108.76M | 77.27M | 69.22M | 55.06M | 63.34M |
| Gain on Sale of Loans & Receivables | 2.37M | -2.79M | -609.00K | -2.54M | 26.88M | |
| Loss (Gain) From Sale of Investments | -673.00K | -1.26M | 8.54M | -6.76M | -26.61M | 2.68M |
| Asset Writedown & Restructuring Costs | 89.63M | 30.10M | 8.50M | 14.74M | 44.50M | 32.74M |
| Provision for Credit Losses | 94.41M | 42.70M | 68.54M | 73.45M | 21.17M | -21.11M |
| Loss (Gain) on Equity Investments | 7.14M | 6.08M | 11.36M | 3.26M | 2.35M | -1.61M |
| Stock-Based Compensation | 14.73M | 13.79M | 14.23M | 14.94M | 14.97M | 9.93M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 78.78M | 29.85M | 114.09M | -195.44M | 709.17M | -43.43M |
| Change in Other Net Operating Assets | 27.50M | 11.59M | -69.56M | -74.34M | -43.98M | -75.61M |
| Other Operating Activities | -32.83M | -24.38M | -31.68M | -32.11M | -29.66M | -85.70M |
| Operating Cash Flow | 334.60M | 372.38M | 461.52M | 235.86M | 1.10B | 216.85M |
| Investment in Securities | -21.90M | 12.48M | -7.89M | 1.19M | -369.00K | -53.98M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -512.86M | -1.27B | 1.18B | 2.00B | -2.13B | -6.71B |
| Other Investing Activities | 21.59M | 19.17M | -32.17M | -119.85M | -182.53M | 14.93M |
| Investing Cash Flow | -554.05M | -1.28B | 1.15B | 1.88B | -2.32B | -6.75B |
| Long-Term Debt Issued | 15.57B | 9.49B | 9.24B | 14.74B | 20.59B | |
| Long-Term Debt Repaid | -14.46B | -11.56B | -10.83B | -13.27B | -14.34B | |
| Net Debt Issued (Repaid) | 819.43M | 1.11B | -2.07B | -1.58B | 1.47B | 6.26B |
| Issuance of Preferred Stock | 77.52M | 556.00M | ||||
| Preferred Share Repurchases | -92.79M | |||||
| Issuance of Common Stock | 70.52M | 10.03M | 193.66M | 408.74M | 514.59M | |
| Repurchase of Common Stock | -171.47M | -5.40M | -15.97M | -45.79M | -8.19M | -43.44M |
| Common Dividends Paid | -222.61M | -257.05M | -325.44M | -311.88M | ||
| Preferred Dividends Paid | -10.35M | -41.38M | -41.38M | -41.38M | ||
| Total Dividends Paid | -232.96M | -298.43M | -366.82M | -353.27M | -321.74M | -227.06M |
| Other Financing Activities | -51.34M | -78.28M | -49.26M | -37.21M | -50.91M | -77.67M |
| Financing Cash Flow | 363.68M | 798.75M | -2.49B | -1.83B | 1.57B | 6.89B |
| Net Cash Flow | 144.22M | -109.96M | -877.03M | 289.04M | 356.89M | 354.27M |
| Cash Interest Paid | 677.15M | 665.72M | 782.05M | 861.14M | 486.83M | 175.91M |
| Cash Income Tax Paid | 12.12M | 26.70M | 28.81M | 30.13M | 27.56M | 37.80M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 380.65M | 1.52B | 2.61B | 2.86B | 2.26B | 2.76B |
| PE Ratio | 14.14 | 11.70 | 8.67 | 7.94 | 8.69 | |
| PS Ratio | 0.86 | 2.79 | 4.16 | 3.98 | 3.46 | 4.17 |
| PB Ratio | 0.18 | 0.49 | 0.83 | 0.88 | 0.74 | 1.08 |
| P/OCF Ratio | 1.14 | 4.08 | 5.66 | 12.13 | 2.06 | 12.71 |
| Debt / Equity Ratio | 4.26 | 3.62 | 3.17 | 3.72 | 4.42 | 4.77 |
| Net Debt / Equity Ratio | 4.09 | 3.46 | 3.00 | 3.43 | 4.24 | 4.61 |
| Quick Ratio | 4.59 | 2.23 | 2.98 | 4.04 | 3.94 | 2.88 |
| Current Ratio | 4.77 | 2.32 | 3.14 | 4.39 | 4.22 | 3.25 |
| Asset Turnover | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.06 |
| Return on Equity (ROE) | -2.62% | 5.08% | 8.86% | 12.66% | 12.59% | 18.74% |
| Return on Assets (ROA) | -0.54% | 1.13% | 1.94% | 2.44% | 2.20% | 3.32% |
| Return on Invested Capital (ROIC) | 0.14% | 1.10% | 1.99% | 2.46% | 2.52% | 3.40% |
| Earnings Yield | -30.20% | 9.80% | 10.13% | 12.98% | 14.40% | 12.31% |
| Dividend Yield | 49.47% | 15.45% | 12.46% | 11.27% | 12.37% | 7.80% |
| Payout Ratio | 200.57% | 138.61% | 95.11% | 98.76% | 66.92% | |
| Buyback Yield / Dilution | 9.95% | -2.05% | 6.08% | -9.91% | -27.56% | -16.51% |
| Total Shareholder Return | 59.42% | 13.40% | 18.55% | 1.36% | -15.20% | -8.72% |