Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Apollo Commercial Real Estate Finance (NYSE:ARI) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Apollo Commercial Real Estate Finance Net Interest Margin (Bank Only) % Related Terms
Apollo Commercial Real Estate Finance Net Interest Margin (Bank Only) % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Apollo Commercial Real Estate Finance Net Interest Margin (Bank Only) % Chart
ARI vs ORC, LADR, TWO: Net Interest Margin (Bank Only) % Comparison
For the REIT - Mortgage subindustry, Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % vs REITs Industry
For the REITs industry and Real Estate sector, Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) % falls into.
Apollo Commercial Real Estate Finance Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 52.01% mean?
Apollo Commercial Real Estate Finance (ARI) has a Net Interest Margin (Bank Only) % of 52.01% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Apollo Commercial Real Estate Finance and its competitors.
Is Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) % too high?
Apollo Commercial Real Estate Finance's current Net Interest Margin (Bank Only) % is 52.01%. Overall, Apollo Commercial Real Estate Finance has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) % compare to ORC and LADR?
Apollo Commercial Real Estate Finance's Net Interest Margin (Bank Only) % of 52.01% can be compared against companies in the REITs industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a REITs company?
A good Net Interest Margin (Bank Only) % depends on the REITs industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Apollo Commercial Real Estate Finance and its competitors. Apollo Commercial Real Estate Finance's current Net Interest Margin (Bank Only) % is 52.01%. 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 Modestly Overvalued. The stock's GF Value™ is $9.69, compared to a current price of $10.78 — trading 11.2% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 52.01%. 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 Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Apollo Commercial Real Estate Finance (ARI), the current Net Interest Margin (Bank Only) % is 52.01% as of Mar. 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 $10.78 is trading 11.2% above its estimated GF Value™ of $9.69.
GuruFocus considers Apollo Commercial Real Estate Finance to be Modestly Overvalued.
Key valuation signals for ARI:
Net Interest Margin (Bank Only) %: 52.01%
GF Value™: $9.69 vs. price of $10.78 (11.2% above fair value)
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
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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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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