American Realty Investors, Inc. — Earnings Quality Grade F
ARL · Real Estate
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 5.7%, CFFO 103.5%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
SG&A/Gross Profit = 72.2%, exceeds 70%
Gross margin 44.2%, change +1.4pp. Stable
Cash Flow Quality
CFFO/NI = 0.07. Only 7% of profit backed by cash
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF < 50% of Net Income for 2 years
Accruals ratio = 1.4%. Low accruals
Cash $0.1B covers 54% of debt $0.2B
Balance Sheet Health
No goodwill. Clean balance sheet
Debt/EBITDA = 4.6x (>4x). Interest coverage = -0.9x (<2x). Financial stress
Other assets 7.5% vs revenue 5.7%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor ARL continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25