ARI (Apollo Commercial Real Estate Finance) Moat Score: 4/10 (As of Jun. 29, 2026)


ARI Apollo Commercial Real Estate Finance Inc ARI
56 GF Score
Price $10.52
GF Value $9.69
Valuation Fairly Valued
! 10 Warning Signs
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What is Apollo Commercial Real Estate Finance Moat Score?

Apollo Commercial Real Estate Finance ARI -2.41% 56 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates ARI with a GF Score™ of 56/100 and a GF Value™ of $9.69 (Fairly Valued). The stock has 10 warning signs investors should review. Among 993 REITs companies, Apollo Commercial Real Estate Finance ranks better than 87.21% on this metric.

Apollo Commercial Real Estate Finance has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Apollo Commercial Real Estate Finance has Narrow Moat: Apollo Commercial Real Estate Finance has a modest moat due to its niche focus in commercial real estate finance. It benefits from some regulatory barriers and customer relationships but lacks significant brand strength or pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Apollo Commercial Real Estate Finance might have Narrow Moat - Discernible but modest moat.

Apollo Commercial Real Estate Finance  (NYSE:ARI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Apollo Commercial Real Estate Finance Moat Score Related Terms

ARI vs ORC, LADR, TWO: Moat Score Comparison

For the REIT - Mortgage subindustry, Apollo Commercial Real Estate Finance's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Apollo Commercial Real Estate Finance Moat Score vs REITs Industry

For the REITs industry and Real Estate sector, Apollo Commercial Real Estate Finance's Moat Score distribution charts can be found below:

* The bar in red indicates where Apollo Commercial Real Estate Finance's Moat Score falls into.


ARI
56GF Score
Apollo Commercial Real Estate Finance Inc ARI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Apollo Commercial Real Estate Finance (ARI) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Apollo Commercial Real Estate Finance ranks #127 out of 993 companies in the REITs industry, placing it in the top 12.8%.
Is Apollo Commercial Real Estate Finance's Moat Score too high?
Apollo Commercial Real Estate Finance's current Moat Score is 4. Based on the distribution chart, Apollo Commercial Real Estate Finance ranks #127 out of 993 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, Apollo Commercial Real Estate Finance has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Apollo Commercial Real Estate Finance's Moat Score compare to ORC and LADR?
According to the REITs industry distribution chart, Apollo Commercial Real Estate Finance ranks #127 out of 993 companies for Moat Score. This places Apollo Commercial Real Estate Finance in the top 13% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a REITs company?
A good Moat Score depends on the REITs industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Apollo Commercial Real Estate Finance's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Apollo Commercial Real Estate Finance stock overvalued right now?
Based on GuruFocus' analysis, Apollo Commercial Real Estate Finance (ARI) is currently considered Fairly Valued. The stock's GF Value™ is $9.69, compared to a current price of $10.52 — trading 8.6% above its estimated fair value. The current Moat Score is 4. Apollo Commercial Real Estate Finance's overall GF Score™ is 56/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Apollo Commercial Real Estate Finance (ARI), the current Moat Score is 4 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Apollo Commercial Real Estate Finance (ARI) Overvalued in 2026?

Based on GuruFocus' analysis, Apollo Commercial Real Estate Finance stock appears to be overvalued. The current stock price of $10.52 is trading 8.6% above its estimated GF Value™ of $9.69. GuruFocus considers Apollo Commercial Real Estate Finance to be Fairly Valued.

Key valuation signals for ARI:

  • Moat Score: 4
  • GF Value™: $9.69 vs. price of $10.52 (8.6% above fair value)
  • GF Score™: 56/100 with 10 warning signs

No single metric tells the full story. See the ARI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Apollo Commercial Real Estate Finance Business Description

Industry Real EstateREITs
Other Exchanges 9A1:Germany
Address c/o Apollo Global Management, Inc, 9 West 57th Street, 42nd Floor, New York, NY, USA, 10019
Apollo Commercial Real Estate Finance Inc is a real estate investment trust that originates, invests in, acquires, and manages commercial first-mortgage loans, subordinate financings, commercial mortgage-backed securities, and other real estate-related debt investments. The subordinate loans and first-mortgage loans account for the vast majority of the portfolio on a cost basis. Property types include residential, retail, healthcare, office, mixed-use, hotel, industrial, multifamily, securities, and other, with residential properties and hotels representing the highest property value. More than a third of the properties are located in New York City, with the other properties located across other regions of the United States, as well as other countries.
56GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.52
Price
$9.69
GF Value