FINS
Angel Oak Financial·NYSE
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2.12 / 10
Underperform
FINS scores poorly on fundamentals at 2.1/10, primarily due to negative returns on total assets (-10.07%) and low annualized returns (-20.14%). However, it shows strength in operating revenue growth (392.77% YoY) and gross profit margin (38.11%), indicating operational efficiency but insufficient profitability. Current liabilities represent 52.14% of total liabilities, signaling moderate leverage risk. Overall, the company's financial health is fragile, limiting long-term upside.
Analysis Checks(4/8)
Gross profit margin (%)
Value38.11
Score2/3
Weight12.71%
1M Return1.53%
Value38.11
Score2/3
Weight12.71%
1M Return1.53%
Basic earnings per share (YoY growth rate %)
Value270.55
Score0/3
Weight3.95%
1M Return0.50%
Value270.55
Score0/3
Weight3.95%
1M Return0.50%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight12.52%
1M Return1.52%
Value100.00
Score2/3
Weight12.52%
1M Return1.52%
Diluted earnings per share (YoY growth rate %)
Value-14.17
Score1/3
Weight11.74%
1M Return1.40%
Value-14.17
Score1/3
Weight11.74%
1M Return1.40%
Current liabilities / Total liabilities (%)
Value52.14
Score2/3
Weight13.06%
1M Return1.58%
Value52.14
Score2/3
Weight13.06%
1M Return1.58%
Rate of return on total assets (%)
Value-10.07
Score1/3
Weight11.82%
1M Return1.48%
Value-10.07
Score1/3
Weight11.82%
1M Return1.48%
Annualized return on total assets (%)
Value-20.14
Score1/3
Weight11.82%
1M Return1.48%
Value-20.14
Score1/3
Weight11.82%
1M Return1.48%
Operating revenue (YoY growth rate %)
Value392.77
Score2/3
Weight22.39%
1M Return2.60%
Value392.77
Score2/3
Weight22.39%
1M Return2.60%
Gross profit margin (%)
Value38.11
Score2/3
Weight12.71%
1M Return1.53%
Value38.11
Score2/3
Weight12.71%
1M Return1.53%
Current liabilities / Total liabilities (%)
Value52.14
Score2/3
Weight13.06%
1M Return1.58%
Value52.14
Score2/3
Weight13.06%
1M Return1.58%
Basic earnings per share (YoY growth rate %)
Value270.55
Score0/3
Weight3.95%
1M Return0.50%
Value270.55
Score0/3
Weight3.95%
1M Return0.50%
Rate of return on total assets (%)
Value-10.07
Score1/3
Weight11.82%
1M Return1.48%
Value-10.07
Score1/3
Weight11.82%
1M Return1.48%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight12.52%
1M Return1.52%
Value100.00
Score2/3
Weight12.52%
1M Return1.52%
Annualized return on total assets (%)
Value-20.14
Score1/3
Weight11.82%
1M Return1.48%
Value-20.14
Score1/3
Weight11.82%
1M Return1.48%
Diluted earnings per share (YoY growth rate %)
Value-14.17
Score1/3
Weight11.74%
1M Return1.40%
Value-14.17
Score1/3
Weight11.74%
1M Return1.40%
Operating revenue (YoY growth rate %)
Value392.77
Score2/3
Weight22.39%
1M Return2.60%
Value392.77
Score2/3
Weight22.39%
1M Return2.60%
Is FINS fundamentally strong?
- FINS scores 2.12/10 on fundamentals and holds a Premium valuation at present. Backed by its 0.00% ROE, 0.00% net margin, 0.00 P/E ratio, 0.96 P/B ratio, and 0.00% earnings growth, these metrics solidify its Underperform investment rating.
