# Apollo Commercial Real Estate Finance Inc (ARI) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Mortgage REITs. Price $2.51, market value $323 million.

## Valuation
- **P/E (trailing): 3.1×** (5-yr avg 8.5×, 3-yr avg 13.9×). Apollo Commercial Real Estate Finance Inc trades at 3.1× trailing earnings, well below its own five-year average of 8.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.1×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.06**. A PEG of 0.06 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 0.3×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 31.9%**. The inverse of the P/E: 31.9% of the price is earned each year.

## Profitability
- **Net margin: 46.7%**. 46.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.8%**. 6.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -10.6%** (3-yr -3.7%/yr, 5-yr -0.5%/yr). Revenue fell 10.6% over the last year, against -0.5% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 183.5%** (3-yr -21.6%/yr, 5-yr 140.8%/yr). Earnings per share rose 183.5%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $140 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 41.49%** ($1.00 per share, trailing). Apollo Commercial Real Estate Finance Inc yields 41.49%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 111%**. The dividend exceeds earnings (111% payout), which is rarely sustainable outside REITs and one-off years.
- **Dividend growth (5 yr): -7.2%/yr** (1-yr -16.7%). The dividend has not grown over five years.
- **Shareholder yield: 79.8%**. Dividends plus net buybacks return 79.8% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (2 analysts). 2 analysts cover Apollo Commercial Real Estate Finance Inc; the consensus is buy, with an average price target of $8.00 (+219% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -59.5%** (YTD -60.4%, 3-mo -64.5%). The shares are down 59.5% over twelve months including dividends.
- **From 52-week high: -77.7%** (10.1% above the low). Trading 78% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 11**. An RSI of 11 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 1.13** (volatility 67%). Beta of 1.13 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ARI · Page: https://foliofundamentals.com/stocks/ari

Not investment advice.