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NREF

NEUTRAL
$14.42 Live
NexPoint Real Estate Finance, Inc. · NYSE
Target $14.0 (-2.9%)
$12.36 52W Range $16.06
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$329.83M
P/E
5.06
ROE
17.5%
Profit margin
66.8%
Debt/Equity
5.36
Dividend yield
13.95%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
NREF presents a classic 'value trap' profile, characterized by a weak Piotroski F-Score of 3/9 and a bearish technical trend (0/100) despite extreme valuation discounts. While the stock trades significantly below its Graham Number ($36.59) and Intrinsic Value ($84.08), the high Debt/Equity ratio of 5.36 and deteriorating financial health scores suggest significant underlying risk. The high dividend yield of 13.95% is attractive, but the contradiction between reported YoY earnings growth (90.5%) and actual YoY EPS growth (-42.2%) indicates volatility and potential accounting complexities. Overall, the deep value is offset by poor fundamental health and negative market momentum.

Key Strengths

Extreme valuation discount (P/E 5.06, P/B 0.69)
High dividend yield of 13.95% with a sustainable payout ratio (70.18%)
Strong liquidity indicated by a Current Ratio of 8.28
Significant upside relative to Graham Number ($36.59)
Positive long-term price performance (5Y Change +30.1%)

Key Risks

Weak financial health as evidenced by Piotroski F-Score of 3/9
High leverage with a Debt/Equity ratio of 5.36
Bearish technical trend (0/100) suggesting strong selling pressure
Inconsistent earnings performance with recent YoY EPS decline of 42.2%
Low insider sentiment (40/100) and lack of recent insider buying
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+56.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
60
Strong
Value
90
Future
40
Past
60
Health
25
Dividend
85
AI Verdict
Speculative Value
Key drivers: Deep valuation discount, Poor Piotroski health score, High leverage, Strong dividend yield
Confidence
85%
Value
90/100

Ref P/E 5.06, Graham Number $36.59

Positives
  • P/E of 5.06 is well below sector average
  • Price/Book of 0.69 indicates trading below asset value
  • Current price is a fraction of the Graham Number
Watchpoints
  • Low price may reflect market's lack of confidence in asset quality
Future
40/100

Ref Growth rates and Technical Trend

Positives
  • Strong reported revenue growth (23.6%)
Watchpoints
  • Negative YoY EPS growth (-42.2%)
  • Bearish technical trend (0/100)
  • Recent earnings misses (1/4 beats)
Past
60/100

Ref Historical price changes and Earnings track record

Positives
  • Consistent dividend payments
  • Positive 3Y and 5Y price returns
Watchpoints
  • Erratic quarterly earnings surprises
Health
25/100

Ref Piotroski F-Score 3/9

Positives
  • Very high current ratio (8.28)
Watchpoints
  • Piotroski F-Score of 3/9 (Weak)
  • High Debt/Equity ratio of 5.36
Dividend
85/100

Ref Yield 13.95%, Payout 70.18%

Positives
  • Very high yield (13.95%)
  • Payout ratio (70.18%) is within manageable limits for a REIT
Watchpoints
  • Dividend sustainability depends on volatile earnings

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$14.42
Analyst Target
$14.0
Upside/Downside
-2.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NREF and closest competitors.

Updated 2026-04-30
NRE
NexPoint Real Estate Finance, Inc.
Primary
5Y
+30.1%
3Y
+52.9%
1Y
+12.8%
6M
+15.1%
1M
+7.0%
1W
+3.1%
MLP
Maui Land & Pineapple Company, Inc.
Peer
5Y
+34.9%
3Y
+21.8%
1Y
-4.9%
6M
+2.8%
1M
-0.1%
1W
-1.8%
CMT
Claros Mortgage Trust, Inc.
Peer
5Y
-79.4%
3Y
-73.4%
1Y
+8.3%
6M
-27.1%
1M
+20.3%
1W
-3.0%
RMR
The RMR Group Inc.
Peer
5Y
-28.3%
3Y
-12.5%
1Y
+25.4%
6M
+21.6%
1M
+7.4%
1W
+3.5%
NXD
NexPoint Diversified Real Estate Trust
Peer
5Y
-29.3%
3Y
-27.7%
1Y
+82.5%
6M
+87.4%
1M
+16.1%
1W
+7.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
5.06
Forward P/E
8.09
PEG Ratio
N/A
P/B Ratio
0.69
P/S Ratio
2.1
EV/Revenue
32.7
EV/EBITDA
N/A
Market Cap
$329.83M

Profitability

Profit margins and return metrics

Profit Margin 66.82%
Operating Margin 74.06%
Gross Margin 99.12%
ROE 17.55%
ROA 2.29%

Growth

Revenue and earnings growth rates

Revenue Growth +23.6%
Earnings Growth +90.5%
Q/Q Revenue Growth +237.8%
Q/Q Earnings Growth +68.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
5.36
High debt
Current Ratio
8.28
Strong
Quick Ratio
8.28
Excellent
Cash/Share
$1.67

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
64.0%
Total Assets
$5.3B
Liabilities
$4.5B
Equity
$0.7B
Debt/Equity
6.01x
Operating CF
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-02-26
$0.48
-2.0% surprise
2025-10-30
$0.51
+8.5% surprise
2025-07-31
$0.43
-7.2% surprise
2025-05-01
$0.41
-16.3% surprise

Real Estate Sector Comparison

Comparing NREF against 214 companies in the Real Estate sector (10 bullish, 43 neutral, 161 bearish)
P/E Ratio
5.06
This Stock
vs
39.97
Sector Avg
-87.3% (Discount)
Return on Equity (ROE)
17.55%
This Stock
vs
-27.06%
Sector Avg
-164.8% (Below Avg)
Profit Margin
66.82%
This Stock
vs
10.56%
Sector Avg
+533.0% (Superior)
Debt to Equity
5.36
This Stock
vs
2.42
Sector Avg
+121.2% (Higher)
Revenue Growth
23.6%
This Stock
vs
13183.06%
Sector Avg
-99.8% (Slower)
Current Ratio
8.28
This Stock
vs
8.25
Sector Avg
+0.4% (Better)

Similar Companies

Peer comparison within the same industry

NREF NexPoint Real...
NEUTRAL
Mkt Cap
$330M
P/E
5.1
ROE
17.5%
Price
$14.42
MLP Maui Land &...
BEARISH
Mkt Cap
$302M
P/E
-
ROE
-31.9%
Price
$15.22
 Compare with NREF
CMTG Claros...
BEARISH
Mkt Cap
$366M
P/E
-
ROE
-27.6%
Price
$2.61
 Compare with NREF
RMR The RMR Group Inc.
NEUTRAL
Mkt Cap
$289M
P/E
12.5
ROE
12.3%
Price
$16.96
 Compare with NREF
NXDT NexPoint...
BEARISH
Mkt Cap
$272M
P/E
-
ROE
-16.3%
Price
$5.42
 Compare with NREF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

LAFFER ARTHUR BETZ
Director
Stock Award
2026-04-02
5,518 shares
KAVANAUGH SCOTT F.
Director
Stock Award
2026-04-02
5,518 shares
CONSTANTINO EDWARD N
Director
Stock Award
2026-04-02
5,518 shares
MITTS BRIAN D
Director
Stock Award
2026-04-02
12,355 shares
MCGRANER MATTHEW RYAN
Chief Investment Officer
Stock Award
2026-04-02
68,840 shares
SAUTER DENNIS CHARLES JR
General Counsel
Stock Award
2026-04-02
7,549 shares
WOOD CATHERINE D.
Director
Stock Award
2026-04-02
5,518 shares
SWAIN CAROL
Director
Stock Award
2026-04-02
5,518 shares
RICHARDS PAUL
Chief Financial Officer
Stock Award
2026-04-02
21,981 shares
DONDERO JAMES DAVID
President
Stock Award
2026-03-13
38,438 shares
MITTS BRIAN D
Director
Stock Award
2026-03-13
8,333 shares
MCGRANER MATTHEW RYAN
Chief Investment Officer
Stock Award
2026-03-13
38,438 shares
SAUTER DENNIS CHARLES JR
General Counsel
Stock Award
2026-03-13
2,917 shares
RICHARDS PAUL
Chief Financial Officer
Stock Award
2026-03-13
10,000 shares
DONDERO JAMES DAVID
President
Stock Award
2026-02-20
17,308 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-30

NREF filed an 8-K on April 30, 2026, likely to announce its first-quarter financial results.

8-K
FORM 8-K
2026-04-30

NREF filed an 8-K on April 30, 2026, likely to announce its first-quarter financial results.

DEF 14A
FORM DEF 14A
2026-04-20

NREF filed a definitive proxy statement (DEF 14A) on April 20, 2026, to provide shareholders with necessary information for voting at the company's annual meeting.

8-K
FORM 8-K
2026-04-03

NREF filed an 8-K on April 3, 2026, likely to announce its first-quarter financial results.

10-K
10-K
2026-03-31

NREF filed its annual 10-K report on March 31, 2026, covering its business operations, risk factors, and financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-02-26

NREF filed an 8-K on February 26, 2026, likely to announce its periodic financial results.

8-K
FORM 8-K
2026-01-23
8-K
FORM 8-K
2025-12-10
10-Q
10-Q
2025-11-13

NREF submitted its 10-Q filing on November 13, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K
FORM 8-K
2025-11-04
8-K
FORM 8-K
2025-10-30
8-K
FORM 8-K
2025-10-10
8-K
FORM 8-K
2025-10-01
8-K
FORM 8-K
2025-08-27
10-Q
10-Q
2025-08-07
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
2 analysts
Piper Sandler
2026-04-02
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2026-01-08
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning NREF from our newsroom.

Newest → oldest
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