Angel Oak Mortgage, Inc. (AOMR)
Valuation Overview•Is Angel Oak Mortgage, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 51/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street is broadly bullish, projecting solid upside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong dividend yield, though free cash flow coverage appears tight.
AOMR demonstrates adequate business quality with stable profitability. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 43.7% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $38.0M | +158.1% | — | +66.5% | — | |
| EBITDA | $21.2M | — | — | — | — | |
| Net Income | -$7.4M | +53.1% | — | — | — | |
| EPS (Diluted) | $-0.30 | +53.8% | — | +130.8% | — | |
| Free Cash Flow | $0.00 | +108.4% | — | -11.6% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.7% | 96.7% | 98.0% | 126.8% |
| Operating Margin | 43.7% | 110.8% | 110.8% | 155.3% |
| Net Margin | 15.6% | 50.2% | 64.0% | 103.8% |
| FCF Margin | -131.8% | 47.4% | -680.6% | 8240.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.30 | $0.18 | -40.0% | ||
| Q1'26 | $0.31 | $0.29 | -7.2% | ||
| Q4'25 | $0.28 | $0.02 | -92.9% | ||
| Q3'25 | $0.27 | $0.11 | -59.3% | ||
| Q2'25 | $0.27 | $0.17 | -37.0% | ||
| Q1'25 | $0.25 | $0.42 | +68.0% | ||
| Q4'24 | $0.21 | $-0.14 | -166.7% | ||
| Q3'24 | $0.13 | $-0.09 | -169.2% |
Total return is +11.0% (1Y), lagging the benchmark by -9.8%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +10.9% | +3.6% | — |
| 1Y | +11.0% | -9.8% | +14.0% |
| 3YCAGR | +17.4% | -2.2% | +48.8% |
| 5YCAGR | -2.6% | -14.8% | +37.4% |
| 10YCAGR | -1.8% | -15.7% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Angel Oak Mortgage, Inc. (AOMR) valuation, health, and returns.
Based on peer relative multiples, Angel Oak Mortgage, Inc. appears Cheap versus peers compared to industry peers.
Angel Oak Mortgage, Inc. has multiple valuation anchors: Peer Relative Fair Value: $16.05 | Wall Street Analyst Target: $10.00 (implying +10.5% upside). A convergence of these signals offers higher conviction.
Angel Oak Mortgage, Inc. displays fair financial health with a composite quality score of 51/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 8.8%.
Angel Oak Mortgage, Inc. pays a 14.1% dividend yield, covered by a 70% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Angel Oak Mortgage, Inc.'s current growth trajectory is Stable. The company achieved +158.1% 1Y revenue growth and +53.8% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 8 analysts, beating EPS expectations in 8% of recent quarters with a -5-quarter streak. The consensus price target represents a +10.5% change from current levels.
Investment risks for Angel Oak Mortgage, Inc. include: -20.8% 1-year max drawdown. Volatility risk is characterized by a beta of 0.53x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.