Arbor Realty Trust Inc Financials

ABR

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Arbor Realty Trust Inc (ABR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

Arbor Realty Trust Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.

Earnings Quality Cash-Backed

1.63x

For every $1 of reported earnings, Arbor Realty Trust Inc generates $1.63 in operating cash flow ($461.5M OCF vs $283.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

0.4x

Arbor Realty Trust Inc earns $0.4 in operating income for every $1 of interest expense ($297.4M vs $804.6M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Revenue

N/A

EBITDA

$307.0M

YoY-29.9%

5Y CAGR+11.5%

10Y CAGR+12.7%

Arbor Realty Trust Inc's EBITDA was $307.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 29.9% from the prior year.

Free Cash Flow

N/A

Net Income

$283.9M

YoY-29.1%

5Y CAGR+12.8%

10Y CAGR+11.8%

Arbor Realty Trust Inc reported $283.9M in net income in fiscal year 2024. This represents a decrease of 29.1% from the prior year.

EPS (Diluted)

$1.18

YoY-32.6%

5Y CAGR-1.5%

10Y CAGR-3.6%

Arbor Realty Trust Inc earned $1.18 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 32.6% from the prior year.

Cash & Debt

$503.8M

YoY-45.8%

5Y CAGR+10.9%

10Y CAGR+25.9%

Arbor Realty Trust Inc held $503.8M in cash against $10.0B in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

190M

YoY+0.5%

5Y CAGR+11.2%

10Y CAGR+14.1%

Arbor Realty Trust Inc had 190M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

9.4%

YoY-3.5pp

5Y CAGR-3.7pp

10Y CAGR-8.0pp

Arbor Realty Trust Inc's ROE was 9.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.5 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$11.4M

YoY-69.5%

5Y CAGR-0.3%

Arbor Realty Trust Inc spent $11.4M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 69.5% from the prior year.

Capital Expenditures

N/A

ABR Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$54.9M+7.2%	$51.3M-5.1%	$54.0M+18.5%	$45.6M+22.0%	$37.3M-7.4%	$40.3M
Operating Income	$297.4M-30.5%	$427.9M+15.2%	$371.3M-12.4%	$424.1M+79.3%	$236.6M+38.9%	$170.3M
Interest Expense	$804.6M-10.9%	$903.2M+62.0%	$557.6M+163.0%	$212.0M+25.3%	$169.2M-9.2%	$186.4M
Income Tax	$13.5M-50.7%	$27.3M+56.4%	$17.5M-62.2%	$46.3M+14.6%	$40.4M+168.6%	$15.0M
Net Income	$283.9M-29.1%	$400.6M+13.2%	$353.8M-6.3%	$377.8M+92.6%	$196.2M+26.4%	$155.2M
EPS (Diluted)	$1.18-32.6%	$1.75+4.8%	$1.67-26.8%	$2.28+61.7%	$1.41+11.0%	$1.27

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$13.7M-7.8%	$14.9M-8.9%	$16.3M+24.1%	$13.1M+2.5%	$12.8M-8.0%	$13.9M	N/A	$12.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$184.7M+2928.4%	$6.1M0.0%	$6.1M-96.9%	$197.7M-5.5%	$209.2M-3.9%	$217.7M	N/A	$229.2M
Income Tax	$7.6M+123.5%	$3.4M-5.4%	$3.6M-31.4%	$5.2M+34.1%	$3.9M+8.6%	$3.6M	N/A	$5.9M
Net Income	$52.0M+43.3%	$36.3M-16.3%	$43.4M-41.0%	$73.5M+18.9%	$61.8M-15.5%	$73.2M	N/A	$95.1M
EPS (Diluted)	$0.20+66.7%	$0.12-25.0%	$0.16-48.4%	$0.31+24.0%	$0.25-19.4%	$0.31	N/A	$0.41

ABR Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$13.5B-14.3%	$15.7B-7.6%	$17.0B+13.0%	$15.1B+96.8%	$7.7B+22.8%	$6.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$503.8M-45.8%	$929.0M+73.8%	$534.4M+32.1%	$404.6M+19.2%	$339.5M+13.3%	$299.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$56.6M0.0%	$56.6M0.0%	$56.6M0.0%	$56.6M0.0%	$56.6M0.0%	$56.6M
Total Liabilities	$10.3B-17.2%	$12.5B-10.6%	$14.0B+11.5%	$12.5B+102.7%	$6.2B+26.5%	$4.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$10.0B-16.9%	$12.0B	N/A	$12.1B+106.5%	$5.9B+25.6%	$4.7B
Total Equity	$3.0B-3.0%	$3.1B+6.2%	$2.9B+21.5%	$2.4B+79.9%	$1.3B+13.5%	$1.2B
Retained Earnings	$13.0M-88.7%	$115.2M+18.7%	$97.0M+55.2%	$62.5M+198.6%	-$63.4M-4.1%	-$60.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$13.9B+2.4%	$13.6B+1.5%	$13.4B-0.9%	$13.5B-5.0%	$14.2B-6.0%	$15.1B-4.0%	$15.7B-1.0%	$15.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$423.4M+65.6%	$255.7M-17.2%	$308.8M-38.7%	$503.8M-31.7%	$737.5M-18.8%	$908.0M-2.3%	$929.0M+3.8%	$895.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$56.6M	N/A	N/A	$56.6M	N/A
Total Liabilities	$10.8B+2.9%	$10.5B+2.3%	$10.2B-1.0%	$10.3B-6.1%	$11.0B-7.2%	$11.9B-4.9%	$12.5B-1.4%	$12.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$10.4B+2.8%	$10.1B+2.3%	$9.9B-0.7%	$10.0B-6.0%	$10.6B-7.2%	$11.4B-4.7%	$12.0B-1.9%	$12.2B
Total Equity	$3.0B+0.8%	$3.0B-1.1%	$3.0B-0.5%	$3.0B-1.0%	$3.1B-1.4%	$3.1B-0.6%	$3.1B+0.4%	$3.1B
Retained Earnings	-$92.3M-27.2%	-$72.5M-87.9%	-$38.6M-396.0%	$13.0M-77.5%	$57.9M-36.9%	$91.8M-20.3%	$115.2M+9.9%	$104.8M

ABR Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$461.5M+95.7%	$235.9M-78.6%	$1.1B+407.1%	$216.8M+293.1%	$55.2M+124.4%	-$226.5M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$1.2B-38.7%	$1.9B+181.1%	-$2.3B+65.7%	-$6.8B-483.6%	-$1.2B-16.3%	-$994.7M
Financing Cash Flow	-$2.5B-36.4%	-$1.8B-216.0%	$1.6B-77.1%	$6.9B+510.7%	$1.1B-18.9%	$1.4B
Dividends Paid	$394.8M+3.7%	$380.6M+18.3%	$321.7M+41.7%	$227.1M+31.2%	$173.1M+24.7%	$138.8M
Share Buybacks	$11.4M-69.5%	$37.4M	$0-100.0%	$34.4M+59.8%	$21.5M+86.0%	$11.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$178.7M+197.6%	$60.0M-60.1%	$150.5M+222.6%	$46.7M-33.3%	$69.9M-73.1%	$260.0M+236.9%	$77.2M+35.2%	$57.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$205.5M+0.9%	-$207.3M+34.2%	-$314.8M-253.1%	$205.6M-46.8%	$386.4M+16.5%	$331.6M-27.9%	$460.1M+17.8%	$390.5M
Financing Cash Flow	$226.5M+56.7%	$144.5M+198.7%	-$146.5M+68.1%	-$459.6M+51.9%	-$955.3M-41.7%	-$674.1M-114.3%	-$314.5M+16.4%	-$376.4M
Dividends Paid	$73.4M+0.5%	$73.1M-26.5%	$99.4M+0.4%	$99.0M+0.3%	$98.6M0.0%	$98.7M+0.1%	$98.6M+0.6%	$98.0M
Share Buybacks	$0	N/A	N/A	$0-100.0%	$11.4M	$0+100.0%	-$1K	$0

ABR Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	9.4%-3.5pp	12.8%+0.8pp	12.0%-3.6pp	15.6%+1.0pp	14.6%+1.5pp	13.1%
Return on Assets	2.1%-0.4pp	2.5%+0.5pp	2.1%-0.4pp	2.5%-0.1pp	2.6%+0.1pp	2.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.29-0.5	3.84-0.9	4.76-0.3	5.02+0.6	4.37+0.4	3.95
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	1.7%+0.5pp	1.2%-0.2pp	1.4%-1.0pp	2.4%+0.4pp	2.0%-0.3pp	2.4%	N/A	3.1%
Return on Assets	0.4%+0.1pp	0.3%-0.1pp	0.3%-0.2pp	0.5%+0.1pp	0.4%-0.0pp	0.5%	N/A	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.47+0.1	3.40+0.1	3.290.0	3.29-0.2	3.47-0.2	3.68-0.2	3.84-0.1	3.93
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Arbor Realty Trust Inc profitable?

Yes, Arbor Realty Trust Inc (ABR) reported a net income of $283.9M in fiscal year 2024.

What is Arbor Realty Trust Inc's earnings per share (EPS)?

Arbor Realty Trust Inc (ABR) reported diluted earnings per share of $1.18 for fiscal year 2024. This represents a -32.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Arbor Realty Trust Inc's EBITDA?

Arbor Realty Trust Inc (ABR) had EBITDA of $307.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Arbor Realty Trust Inc have?

As of fiscal year 2024, Arbor Realty Trust Inc (ABR) had $503.8M in cash and equivalents against $10.0B in long-term debt.

What is Arbor Realty Trust Inc's return on equity (ROE)?

Arbor Realty Trust Inc (ABR) has a return on equity of 9.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Arbor Realty Trust Inc's operating cash flow?

Arbor Realty Trust Inc (ABR) generated $461.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Arbor Realty Trust Inc's total assets?

Arbor Realty Trust Inc (ABR) had $13.5B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Arbor Realty Trust Inc buy back shares?

Yes, Arbor Realty Trust Inc (ABR) spent $11.4M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Arbor Realty Trust Inc have outstanding?

Arbor Realty Trust Inc (ABR) had 190M shares outstanding as of fiscal year 2024.

What is Arbor Realty Trust Inc's debt-to-equity ratio?

Arbor Realty Trust Inc (ABR) had a debt-to-equity ratio of 3.29 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Arbor Realty Trust Inc's return on assets (ROA)?

Arbor Realty Trust Inc (ABR) had a return on assets of 2.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Arbor Realty Trust Inc's Piotroski F-Score?

Arbor Realty Trust Inc (ABR) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Arbor Realty Trust Inc's earnings high quality?

Arbor Realty Trust Inc (ABR) has an earnings quality ratio of 1.63x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Arbor Realty Trust Inc cover its interest payments?

Arbor Realty Trust Inc (ABR) has an interest coverage ratio of 0.4x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.