New York Mortgage Trust, Inc. (ADAM) scored on five pillars from its reported financial statements, and ranked against 84 Real Estate companies.
New York Mortgage Trust, Inc. (ADAM) scores 4.3 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on profitability, and predictability is what holds it back.
One pillar, solvency, is unscored because the filings behind it carry too little to judge. It is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
We cannot judge New York Mortgage Trust, Inc. yet, because fewer than five years had both a return on capital and a cost of capital we could measure. This is not a “no”.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for ADAM stands at 4.3 out of 10 as of October 19, 2026, which puts New York Mortgage Trust, Inc. in the mixed quality band. In this band one or two pillars are usually holding the score up while others drag it down, which the breakdown below makes visible. It rolls New York Mortgage Trust, Inc.’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Set against 84 Real Estate companies, New York Mortgage Trust, Inc. lands at the 30th percentile, in the lower half of the group, above the bottom quarter. The median across the group is 5.2, and the top quarter begins at 5.9, so New York Mortgage Trust, Inc. is below the typical company here.
New York Mortgage Trust, Inc.’s profitability score is 7.3 out of 10 (strong). Against a median of 4.8 among 80 Real Estate companies, that is well above the group and the 81st percentile. A reading this strong says the business earns well on what it sells and on the capital it uses, the kind of margin profile competitors find hard to copy.
Solvency has no score for New York Mortgage Trust, Inc. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 34 Real Estate companies is 3.7. Without it the overall says nothing about how comfortably the company carries its debt.
Growth scores 4.3 out of 10, which reads as average. The median across 74 Real Estate companies is 5.2, so New York Mortgage Trust, Inc. is below its peers on this pillar and ranks at the 33rd percentile. A middling growth reading is typical of a mature company whose next step depends on reinvestment rather than on its market growing for it.
New York Mortgage Trust, Inc.’s efficiency score is 3.4 out of 10 (weak). Against a median of 6.4 among 80 Real Estate companies, that is well below the group and the 16th percentile. Poor conversion of assets and earnings into cash can come from heavy investment phases, and it matters whether that investment is paying off.
Predictability scores 1.4 out of 10, which reads as weak. The median across 83 Real Estate companies is 4.9, so New York Mortgage Trust, Inc. is well below its peers on this pillar and ranks at the 4th percentile. When results are this uneven, the averages behind the other pillars hide a lot of movement, and a longer history tells more than the latest year.
The gap between New York Mortgage Trust, Inc.’s best and worst pillar is wide: profitability at 7.3 against predictability at 1.4, 5.9 points apart. An average of two readings this different deserves a closer look than the headline number. A profitability lead usually reflects something durable in the business model rather than a good year. Uneven results make any single year a weaker guide to the next one.
Closing the gap on predictability would do the most for the overall. At the median of Real Estate companies, 4.9, New York Mortgage Trust, Inc. would score about 5.2 instead of 4.3. With one pillar unscored, the overall rests on 80 of the 100 weight points, spread across the four pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Real Estate companies below are nearest to New York Mortgage Trust, Inc. by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading New York Mortgage Trust, Inc. scores 4.3 out of 10, which reads as mixed quality. Its strongest pillar is profitability, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
New York Mortgage Trust, Inc. ranks at the 30th percentile of the 84 Real Estate companies Lemma publishes a score for. The median there is 5.2 and the top quarter starts at 5.9, against New York Mortgage Trust, Inc.’s 4.3.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 19, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for ADAM are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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