ARI

Apollo Commercial Real Estate Finance, Inc.

Fundamental data last updated:September 4, 2026

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company profile

SECTOR

Real Estate

industry

REIT - Mortgage

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Apollo Commercial Real Estate Finance, Inc. operates as a real estate investment trust (REIT) that originates, acquires, invests in, and manages commercial first mortgage loans, subordinate financings, and other commercial real estate-related debt investments in the United States. It is qualified as a REIT under the Internal Revenue Code. As a REIT, it would not be subject to federal income taxes, if the company distributes at least 90% of its REIT taxable income to its stockholders. Apollo Commercial Real Estate Finance, Inc. was founded in 2009 and is based in New York, New York.

 


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VALUATION

P/E

12.04

Market Cap ($M USD)

$1.46B

Forward P/E

14.98

PEG

-0.76

PRICE TO SALES

2.06

PRICE TO BOOK

0.84

EV / EBITDA

19.33

5-Year Average P/E

Free Cash Flow Yield

1.89%

DCF Value

$15.03

Graham Number

$16.35

Price to FCF

52.92

EV to FCF

343.98

Earnings Yield

8.30%

FCF Yield

1.89%

DIVIDEND

Yield

9.10%

Annual Payout

$1.00

Payout Ratio

121.09%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.91

Next Year EPS Growth Estimate

$0.73

Next Year Revenue Growth Estimate

$115.82M

Return on Equity (ROE)

6.88%

FREE CASH FLOW

Operating Margin

56.03%

Debt-to-Equity

4.27

Piotroski F-Score

4

Altman Z-Score

-0.55

Return on Invested Capital (ROIC)

11.31%

Current Ratio

0.03

Quick Ratio

0.03

Net Debt to EBITDA

16.35

Interest Coverage

0.85

Gross Profit margin

66.21%

FCF PER SHARE

$0.20

REVENUE PER SHARE

$5.10

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Gainseekers Quantitative Analysis

Summary

The market seems to be undervaluing Apollo Commercial Real Estate Finance, Inc., as its snapshot price traded below both its DCF Value and Graham Number. With a Forward P/E of 13.54, the stock is not excessively priced, yet the negative PEG Forward ratio suggests limited growth expectations. The Altman Z-score of -0.55 raises red flags about financial distress, while the Earnings Yield of 8.30% indicates a decent return relative to its price. Overall, the valuation metrics paint a mixed picture, with potential value overshadowed by financial risk.

AI Exposure / Tech Reliance

Operating in the REIT - Mortgage sector, Apollo Commercial Real Estate Finance, Inc. is not directly exposed to AI or tech shifts. However, its industry could benefit from AI-driven efficiencies in property management and risk assessment. The company’s resilience will depend on its ability to integrate such technologies into its operations.

The Bull Case

For value investors, Apollo offers a compelling case with its robust ROIC of 11.31% and a high operating margin of 56.03%, indicating strong capital efficiency and pricing power. The Piotroski F-Score of 4 suggests moderate financial health, while the FCF Yield is low, yet the company maintains a high TTM Yield of 9.09%, appealing to income-focused investors. These metrics suggest a business capable of generating solid returns despite market volatility.

The Bear Case

The bear case for Apollo is stark, with a Debt/Equity ratio of 4.27 signaling significant leverage risk. Its Altman Z-score indicates potential financial distress, and the Price to FCF ratio of 52.96 highlights poor cash flow efficiency. Trading near its 52-week high, the stock appears technically overextended, and the low Current Ratio of 0.03 suggests liquidity concerns. These factors collectively point to structural vulnerabilities that could deter risk-averse investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$12.00

Institutional Ownership %

1-Year Beta

1.42

Insider Buying % (6 Mo)

Distance to 52-Week High

2.27%

Distance to 52-Week Low

13.65%

EARNINGS SURPRISE %

-24.14%

50-DAY SMA

$10.84

200-DAY SMA

$10.40

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.