Stock

ARMOUR Residential REIT

ARR

REIT - Mortgage · Real Estate

Also trades as: 0HHU.L GBP 0.13 (-1.70%)

Price

$12.69

-0.12 (-0.94%)

Market Cap

$1.80B

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Oct 23, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality

Strong

21/30

Growth

Good

10/20

Cash Flow

Mixed

4/10

Stability

Weak

1/10

Valuation

Data not available

0/10

Ownership

Weak

1/15

Dividends

Good

3/5

40 of 100 counted points = Winston Score 40.

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Share count rising — dilution

+486.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 16.1M (2021) → 94.3M (2025)

§Winston Score History

The full picture

ARMOUR Residential REIT is a company that invests in home mortgage bonds, not physical houses. It buys mortgage-backed securities — bundles of home loans — that are guaranteed by U.S. government agencies like Fannie Mae and Freddie Mac. This makes ARMOUR part of the mortgage REIT industry, which helps channel money into the U.S. housing market.

ARMOUR makes money by borrowing at short-term interest rates and using that money to buy mortgage bonds that pay higher long-term rates, keeping the difference as profit. It operates entirely in the United States and pays out most of its earnings to shareholders as dividends, which is required by law for REITs. The biggest risk ARMOUR faces is interest rate changes — when short-term rates rise faster than long-term rates, the gap it earns shrinks, which can pressure dividends and the value of its bond holdings.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-30.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-250.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (1%)

Research and development spending

Insider Activity

0.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$20.6B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

ARMOUR Residential REIT's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

95.2%

Premium pricing power — 95.2% gross margin

Profit after running costs

Operating Margin

94.0%

Excellent — 94.0% operating margin

Return on the money invested

ROCE

4.6%

Weak — 4.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+21.3%

Fast-growing sales (+21.3% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

51.3%

Converts sales into free cash efficiently (51.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

8.24

Heavy debt load (8.24)

Covers its interest

Interest Cover

1.34x

Dangerous — barely covers interest (1.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

21.19%

Healthy income — 21.19% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+0.0%

Dividend flat

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