NexPoint Real Estate ate Finance AI Stock Analysis
Want to see NREF full AI Analyst Report?
NexPoint Real Estate ate Finance (NREF) AI Stock Analysis
NexPoint Real Estate ate Finance
(NYSE:NREF)
The score is held back primarily by weak cash-flow quality and high leverage noted in the financial statements, alongside bearish technical trend signals. These risks are partially offset by very cheap valuation (low P/E and high dividend yield) and a generally constructive earnings call featuring covered dividends, distribution guidance, and improved financing capacity despite book value and credit-cycle pressures.
NexPoint Real Estate ate Finance (NREF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $241.25M
- Dividend Yield
- 15.62%
- Average Volume (3M)
- 62.51K
- Price to Earnings (P/E)
- 15.1
- Beta (1Y)
- 0.65
- Revenue Growth
- 1.61%
- EPS Growth
- 14.36%
- Country
- US
- Employees
- 1
- Sector
- Real Estate
- Sector Strength
- 65
- Industry
- REIT - Mortgage
NexPoint Real Estate ate Finance Business Overview & Revenue Model
Company Description
NexPoint Real Estate Finance, Inc. (NREF) is a U.S.-based real estate finance firm. Its core activities involve the origination, structuring, and investment in a diverse range of real estate-backed financial products. These encompass senior mortgage...
How the Company Makes Money
NREF makes money primarily through income and gains generated from its investment portfolio, which is centered on real estate credit. Key revenue streams typically include: (1) Interest income earned on loans it originates or holds (such as mortgage...
NexPoint Real Estate ate Finance Earnings Call Summary
The call was broadly positive. NREF reported EAD and CAD ahead of guidance, maintained a covered dividend, expanded financing capacity, funded new investments at double-digit coupons, and described credit performance and portfolio activity favorably. Management also highlighted a substantial opportunity set in residential solution capital and improving life science and self-storage fundamentals. Offsetting concerns included a $0.65 per-share net loss, a 5.2% sequential decline in book value caused by rate-driven unrealized losses, higher borrower refinancing pressure, increased multifamily delinquencies, and continued multifamily concessions. The highlights significantly outweighed the lowlights.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
For the fourth quarter, earnings available for distribution are guided to $0.42 per diluted share at the midpoint, with a range of $0.37 on the low end and $0.47 on the high end, while cash available for distribution is guided to $0.55 per diluted share at the midpoint, with a range of $0.50 on the low end and $0.60 on the high end; management continues to expect a substantial, if not all, of its return of capital from LYFE in the next quarter or two, plans to redeploy most of it into residential collateral, and expects life science to move back toward roughly one-third of the portfolio over time, with new multifamily deliveries forecasted to bottom near 327,000 units in 2027, well below the roughly 600,000-unit peak in 2024.
NexPoint Real Estate ate Finance Financial Statement Overview
Summary
Income statement profitability is strong (Income Statement Score 72), but this is outweighed by a very weak cash conversion profile (Cash Flow Score 29) and high leverage/declining equity risk (Balance Sheet Score 34), which reduces resilience and confidence in earnings quality.
Income Statement
72PositiveBalance Sheet
34NegativeCash Flow
29Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 134.29M | 126.13M | 110.32M | 42.09M | 40.38M | 97.92M |
| Gross Profit | 115.97M | 112.10M | 93.64M | 37.90M | 35.99M | 90.45M |
| EBITDA | 158.79M | 168.86M | 90.39M | 72.77M | 57.35M | 83.47M |
| Net Income | 100.78M | 105.10M | 29.19M | 13.97M | 6.75M | 43.09M |
Balance Sheet | ||||||
| Total Assets | 5.37B | 5.32B | 5.42B | 7.02B | 8.15B | 8.51B |
| Cash, Cash Equivalents and Short-Term Investments | 138.23M | 31.11M | 3.88M | 13.82M | 20.05M | 26.46M |
| Total Debt | 4.48B | 4.46B | 4.82B | 6.56B | 7.59B | 8.00B |
| Total Liabilities | 4.51B | 4.49B | 4.84B | 6.57B | 7.61B | 8.01B |
| Stockholders Equity | 379.61M | 749.54M | 482.18M | 355.94M | 383.98M | 238.01M |
Cash Flow | ||||||
| Free Cash Flow | 6.92M | 22.92M | 29.28M | 31.56M | 65.80M | 49.30M |
| Operating Cash Flow | 6.92M | 22.92M | 29.28M | 31.56M | 65.80M | 49.30M |
| Investing Cash Flow | 340.81M | 321.54M | 956.54M | 741.34M | 950.58M | 517.88M |
| Financing Cash Flow | -223.24M | -317.16M | -995.42M | -776.60M | -1.03B | -567.41M |
NexPoint Real Estate ate Finance Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NREF, the sentiment is Negative. The current price of 12.80 is below the 20-day moving average (MA) of 14.85, below the 50-day MA of 15.61, and below the 200-day MA of 14.73, indicating a bearish trend. The MACD of -0.61 indicates Positive momentum. The RSI at 23.66 is Positive, neither overbought nor oversold. The STOCH value of 11.20 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NREF.
NexPoint Real Estate ate Finance Risk Analysis
NexPoint Real Estate ate Finance disclosed 104 risk factors in its most recent earnings report. NexPoint Real Estate ate Finance reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksNexPoint Real Estate ate Finance Peers Comparison
Overall Rating
REFI68.2Neutral
SEVN66Neutral
ACRE57Neutral- NREF57Neutral
MITT50Neutral
AOMR43Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| REFI | 68Neutral | $237.25M | 7.59 | 8.85% | 20.30% | 1.21% | -29.18% |
| SEVN | 66Neutral | $153.85M | 8.43 | 5.04% | 16.62% | 4.05% | -22.53% |
| Sector * | 65Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% |
| ACRE | 57Neutral | $197.55M | 178.00 | 0.19% | 16.85% | 62.05% | ― |
| NREF | 57Neutral | $241.25M | 15.06 | 18.36% | 15.62% | 1.61% | 14.36% |
| MITT | 50Neutral | $139.62M | -19.95 | 2.48% | 21.64% | 11.89% | -124.83% |
| AOMR | 43Neutral | $145.05M | -14.76 | -3.87% | 20.65% | 27.73% | -157.12% |
* Real Estate Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| NREF | Nexpoint Real Estate Finance Inc | 12.80 | 0.48 | 3.91% | |
| ACRE | Ares Commercial Real Estate | 3.56 | -0.74 | -17.17% | |
| SEVN | Seven Hills Realty Trust | 6.74 | -0.86 | -11.27% | |
| MITT | AG Mortgage Investment Trust | 4.39 | -2.47 | -36.02% | |
| AOMR | Angel Oak Mortgage, Inc. | 6.20 | -1.47 | -19.16% | |
| REFI | Chicago Atlantic Real Estate Finance, Inc. | 9.26 | -1.59 | -14.63% |
NexPoint Real Estate ate Finance Corporate Events
NexPoint expands loan facility and swap with Mizuho
PositiveOn April 29, 2026, NexPoint Real Estate Finance, Inc. entered into a senior secured term loan facility with Mizuho Capital Markets LLC, originally providing up to $375.0 million of financing secured by certain pledged investment assets and maturing o...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 06, 2026