NYSE
AOMR
Last Price
US $8.95
KEY FIGURES
MKT CAP
$223.0M
EPS
TTM
$0.65
PEG
TTM
-
P/E
TTM
13.75x
P/S
TTM
1.43x
YIELD
14.30%
GROWTH
Revenue Y/Y
66.48%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $8.95
—
Default assumptions
EBITDA Multiple
Fair Value
Market $8.95
242.46%
Default assumptions
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Angel Oak Mortgage, Inc. cash flow to debt ratio of 0.82% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Angel Oak Mortgage, Inc.'s free cash flow has increased -108.39% from $-221.43M last year to $18.59M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Angel Oak Mortgage, Inc.'s debt to equity ratio is 9.41, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
Angel Oak Mortgage, Inc.'s debt has increased relative to shareholder equity from 7.41 last year to 9.41 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
Angel Oak Mortgage, Inc. has a net debt to EBITDA ratio of 14.74x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Angel Oak Mortgage, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
Angel Oak Mortgage, Inc.'s profit margin has decreased (-81.42%) in the last year from 55.87% to 10.38%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
Angel Oak Mortgage, Inc.'s short-term liabilities of $259.12M exceed its short-term assets of $57.19M, signaling financial risk
Decreasing performance - ROA.
Angel Oak Mortgage, Inc.'s return on assets of 0.57% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Angel Oak Mortgage, Inc.'s return on equity of 6.23%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Angel Oak Mortgage, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Angel Oak Mortgage, Inc. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Angel Oak Mortgage, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Angel Oak Mortgage, Inc. has a free cash flow yield of 8.34%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Angel Oak Mortgage, Inc.'s yearly earnings has increased 53.13% since last year from $28.75M to $44.02M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Angel Oak Mortgage, Inc.'s yearly revenue has increased 158.06% since last year from $51.46M to $132.79M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.64% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Decreasing performance - 3-year revenue CAGR.
Angel Oak Mortgage, Inc. has insufficient revenue history to calculate 3-year revenue CAGR.
Increasing performance - Revenue consistency.
Angel Oak Mortgage, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Angel Oak Mortgage, Inc. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Angel Oak Mortgage, Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Angel Oak Mortgage, Inc. has an earnings yield of 7.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Angel Oak Mortgage, Inc. is undervalued relative to its fair value price of 30.65 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Angel Oak Mortgage, Inc. has an EV/EBITDA ratio of 16.21x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
Angel Oak Mortgage, Inc. has no meaningful EPS growth rate; PEG ratio cannot be computed.
Undervalued - P/B ratio.
Angel Oak Mortgage, Inc. has a price-to-book ratio of 0.86x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Angel Oak Mortgage, Inc. has a price-to-sales ratio of 1.43x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
6.23%
Return on equity
ROIC: 1.64%
Valuation History
13.3X
Price to Earnings
EV/EBITDA: 53.3X
Cash flow
Profit margin
0.00%
(FY vs FY)
Cash flow Y/Y
-11.59%
(FY vs FY)
EARNINGS FV (GRAHAM)
Fair Value
Market $8.95
-100.00%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.