Arbor Realty Trust Inc Financials
This page shows Arbor Realty Trust Inc (ABR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Leveraged balance-sheet economics still generate cash, but shrinking asset returns are turning modest asset income into much weaker shareholder earnings.
From FY2023 to FY2025, return on assets fell from2.6% to1.1% . With debt to equity still near 3.8x, that smaller asset return pulled ROE down to5.3% , showing how this model magnifies even modest changes in balance-sheet profitability into larger swings for shareholders.
Cash conversion was stronger than headline earnings suggest in the last two years, with operating cash flow of
FY2025 also shows a thin internally funded cushion: dividends paid of
Financial Health Signals
Arbor Realty Trust Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Arbor Realty Trust Inc passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).
For every $1 of reported earnings, Arbor Realty Trust Inc generates $2.36 in operating cash flow ($372.4M OCF vs $157.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Arbor Realty Trust Inc earns $0.25 in operating income for every $1 of interest expense ($176.6M vs $701.8M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Arbor Realty Trust Inc's EBITDA was $199.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 34.9% from the prior year.
Arbor Realty Trust Inc reported $157.8M in net income in fiscal year 2025. This represents a decrease of 44.4% from the prior year.
Arbor Realty Trust Inc earned $0.56 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 52.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Arbor Realty Trust Inc held $482.9M in cash against $11.1B in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Arbor Realty Trust Inc's ROE was 5.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.0 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Arbor Realty Trust Inc spent $2.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 82.4% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
ABR Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SG&A Expenses | N/A | $59.8M+8.9% | $54.9M+7.2% | $51.3M-5.1% | $54.0M+18.5% | $45.6M+22.0% | $37.3M-7.4% | $40.3M+8.8% | $37.1M+20.6% | $30.7M+74.8% | $17.6M+87.3% | $9.4M-2.2% | $9.6M-9.5% | $10.6M+34.5% | $7.9M+7.6% | $7.3M |
| Operating Income | N/A | $176.6M-40.6% | $297.4M-30.5% | $427.9M+15.2% | $371.3M-12.4% | $424.1M+79.3% | $236.6M+38.9% | $170.3M+7.9% | $157.8M+42.3% | $110.9M+154.2% | $43.6M-4.9% | $45.9M-46.5% | $85.8M | N/A | N/A | N/A |
| Interest Expense | N/A | $701.8M-12.8% | $804.6M-10.9% | $903.2M+62.0% | $557.6M+163.0% | $212.0M+25.3% | $169.2M-9.2% | $186.4M+21.2% | $153.8M+70.8% | $90.1M+41.6% | $63.6M+28.0% | $49.7M+3.8% | $47.9M+13.9% | $42.1M+2.9% | $40.9M-20.9% | $51.7M |
| Income Tax | N/A | $18.8M+39.3% | $13.5M-50.7% | $27.3M+56.4% | $17.5M-62.2% | $46.3M+14.6% | $40.4M+168.6% | $15.0M+54.5% | $9.7M-27.2% | $13.4M+1519.3% | $825K | N/A | N/A | N/A | -$802K | N/A |
| Net Income | N/A | $157.8M-44.4% | $283.9M-29.1% | $400.6M+13.2% | $353.8M-6.3% | $377.8M+92.6% | $196.2M+26.4% | $155.2M+4.9% | $148.1M+51.8% | $97.5M+56.1% | $62.5M+16.9% | $53.4M-42.6% | $93.0M+336.9% | $21.3M-1.9% | $21.7M+154.2% | -$40.1M |
| EPS (Diluted) | — | $0.56-52.5% | $1.18-32.6% | $1.75+4.8% | $1.67-26.8% | $2.28+61.7% | $1.41+11.0% | $1.27-15.3% | $1.50+33.9% | $1.12+34.9% | $0.83-7.8% | $0.90-47.1% | $1.70+335.9% | $0.39 | $0.79+149.1% | -$1.61 |
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ABR Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $14.5B+7.4% | $13.5B-14.3% | $15.7B-7.6% | $17.0B+13.0% | $15.1B+96.8% | $7.7B+22.8% | $6.2B+35.3% | $4.6B+27.2% | $3.6B+22.1% | $3.0B+62.6% | $1.8B-2.1% | $1.9B-0.6% | $1.9B+10.3% | $1.7B-4.2% | $1.8B |
| Cash & Equivalents | $482.9M-4.2% | $503.8M-45.8% | $929.0M+73.8% | $534.4M+32.1% | $404.6M+19.2% | $339.5M+13.3% | $299.7M+87.2% | $160.1M+53.4% | $104.4M-24.7% | $138.6M-26.5% | $188.7M+274.3% | $50.4M-16.5% | $60.4M+106.9% | $29.2M-47.2% | $55.2M |
| Goodwill | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M0.0% | $56.6M+111.7% | $26.7M | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $11.4B+10.5% | $10.3B-17.2% | $12.5B-10.6% | $14.0B+11.5% | $12.5B+102.7% | $6.2B+26.5% | $4.9B+37.7% | $3.5B+28.4% | $2.8B+24.2% | $2.2B+76.2% | $1.3B-5.2% | $1.3B-7.6% | $1.4B-2.1% | $1.5B-8.3% | $1.6B |
| Long-Term Debt | $11.1B+11.2% | $10.0B-16.9% | $12.0B | N/A | $12.1B+106.5% | $5.9B+25.6% | $4.7B+39.0% | $3.4B+29.7% | $2.6B+25.5% | $2.1B | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $3.0B-2.3% | $3.0B-3.0% | $3.1B+6.2% | $2.9B+21.5% | $2.4B+79.9% | $1.3B+13.5% | $1.2B+32.3% | $895.2M+28.7% | $695.8M+18.5% | $587.1M+3.9% | $565.1M+5.5% | $535.5M+22.4% | $437.6M+90.8% | $229.3M+34.0% | $171.1M |
| Retained Earnings | -$136.6M-1147.6% | $13.0M-88.7% | $115.2M+18.7% | $97.0M+55.2% | $62.5M+198.6% | -$63.4M-4.1% | -$60.9M+17.8% | -$74.1M+27.3% | -$101.9M+18.5% | -$125.1M+8.1% | -$136.1M+10.7% | -$152.5M+28.2% | -$212.2M-2.3% | -$207.6M+6.1% | -$221.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
ABR Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $311.8M | $372.4M-19.3% | $461.5M+95.7% | $235.9M-78.6% | $1.1B+407.1% | $216.8M+293.1% | $55.2M+124.4% | -$226.5M-500.3% | -$37.7M-108.2% | $459.7M+331.6% | -$198.5M-647.5% | $36.3M+17.7% | $30.8M+36.7% | $22.5M+11.7% | $20.2M+5275.8% | -$390K |
| Investing Cash Flow | -$887.4M | -$1.3B-211.2% | $1.2B-38.7% | $1.9B+181.1% | -$2.3B+65.7% | -$6.8B-483.6% | -$1.2B-16.3% | -$994.7M-45.9% | -$681.9M+24.8% | -$906.8M-360.5% | -$196.9M-896.1% | $24.7M-82.9% | $145.0M+172.4% | -$200.1M-330.0% | -$46.5M-15.3% | -$40.3M |
| Financing Cash Flow | $654.8M | $798.8M+132.1% | -$2.5B-36.4% | -$1.8B-216.0% | $1.6B-77.1% | $6.9B+510.7% | $1.1B-18.9% | $1.4B+70.4% | $816.5M+56.1% | $523.0M+60.2% | $326.4M+452.8% | -$92.5M+50.2% | -$185.7M-189.0% | $208.8M+65128.5% | $320K+106.2% | -$5.1M |
| Dividends Paid | $266.3M | $319.9M-19.0% | $394.8M+3.7% | $380.6M+18.3% | $321.7M+41.7% | $227.1M+31.2% | $173.1M+24.7% | $138.8M+103.9% | $68.1M+59.8% | $42.6M+34.0% | $31.8M+7.8% | $29.5M+13.3% | $26.0M+22.1% | $21.3M+165.6% | $8.0M | N/A |
| Share Buybacks | $53.6M | $2.0M-82.4% | $11.4M-69.5% | $37.4M | $0-100.0% | $34.4M+59.8% | $21.5M+86.0% | $11.6M+15.0% | $10.1M | N/A | N/A | N/A | N/A | N/A | $685K-88.1% | $5.7M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ABR Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity | 5.3%-4.0pp | 9.4%-3.5pp | 12.8%+0.8pp | 12.0%-3.6pp | 15.6%+1.0pp | 14.6%+1.5pp | 13.1%-3.4pp | 16.5%+2.5pp | 14.0%+3.4pp | 10.6%+1.2pp | 9.4%-7.9pp | 17.4%+12.5pp | 4.9%-4.6pp | 9.5%+32.9pp | -23.4% |
| Return on Assets | 1.1%-1.0pp | 2.1%-0.4pp | 2.5%+0.5pp | 2.1%-0.4pp | 2.5%-0.1pp | 2.6%+0.1pp | 2.5%-0.7pp | 3.2%+0.5pp | 2.7%+0.6pp | 2.1%-0.8pp | 2.9%-2.1pp | 5.0%+3.9pp | 1.1%-0.2pp | 1.3%+3.5pp | -2.3% |
| Debt-to-Equity | 3.75+0.5x | 3.29-0.5x | 3.84-0.9x | 4.76-0.3x | 5.02+0.6x | 4.37+0.4x | 3.95+0.2x | 3.760.0x | 3.73+0.2x | 3.52+1.3x | 2.23-0.3x | 2.49-0.8x | 3.29-3.1x | 6.41-3.0x | 9.37 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, FCF Margin.
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Where Arbor Realty Trust Inc Ranks
Frequently Asked Questions
Is Arbor Realty Trust Inc profitable?
Yes, Arbor Realty Trust Inc (ABR) reported a net income of $157.8M in fiscal year 2025.
What is Arbor Realty Trust Inc's EBITDA?
Arbor Realty Trust Inc (ABR) had EBITDA of $199.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Arbor Realty Trust Inc have?
As of fiscal year 2025, Arbor Realty Trust Inc (ABR) had $482.9M in cash and equivalents against $11.1B 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 5.3% for fiscal year 2025, 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 $372.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Arbor Realty Trust Inc's total assets?
Arbor Realty Trust Inc (ABR) had $14.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Arbor Realty Trust Inc's debt-to-equity ratio?
Arbor Realty Trust Inc (ABR) had a debt-to-equity ratio of 3.75 as of fiscal year 2025, 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 1.1% for fiscal year 2025, 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 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 2.36x, 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 0.25x, 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.