UDR Inc. (UDR) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, UDR scores 63 out of 100, graded C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are: Fundamental Cash Engine at 13 of 20 (ROIC 7.3%; FCF yield 7.93%), Whale 13F Flow at 11 of 20 (institutional accumulation and options positioning), Insider Conviction at 15 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 9 of 20 (Beta 0.97; sector sensitivity), and Forensic Balance Sheet at 15 of 20 (Altman Z 2.5; Piotroski F 9/9; Debt/Equity 0.5). The strongest pillars are balance-sheet strength and insider flow, while macro regime fit is the weakest, which suggests the stock's risk profile is more tied to sector and rate sensitivity than to company-specific fundamentals. For a prospective investor, the cash-flow yield and forensic balance sheet point to financial stability, but the 30.1x trailing P/E and 25.4x EV/EBITDA imply a valuation that already prices in considerable expectations, which limits upside unless earnings growth follows. The Hold verdict reflects this balance: solid foundations offset by valuation and sector-sensitivity concerns.

Per the profile, UDR Inc. is a NYSE-listed issuer in the Financials sector, Real Estate Investment Trusts industry, with a market capitalization of $11.4B. Per the market data, its reported operating margin is 75% and net margin is 68%. The source data does not describe specific products, customer segments, or revenue model beyond these classifications. Not available in source data for detailed business description.

Per the SEC financials, operating income and free cash flow were substantially higher in FY 2025 than FY 2024, while net income rose from $89.6M to $377.7M. Per the market data, ROIC is 7.3%, and per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 9/9. Debt rose from $1464.5M in FY 2023 to $2905.6M in FY 2025, while the Roarable RQD rating reports Debt/Equity of 0.5.

Per the recent news wire, the headlines reference a guidance reset that could imply undervaluation, a joint venture with Apollo described as a $2.0B apartment venture, and a J.P. Morgan note calling the Apollo union "positive." Earnings-season previews were also published by Zacks and Yahoo Finance. A MarketWatch item noted the stock outperformed competitors on a strong trading day. Risk watch items are not specified in the source data beyond the general sector sensitivity reflected in the Roarable RQD rating. Per the Butterfly Supply-Chain Graph, no proprietary signals or supply-chain links are recorded. The news items are headline-level only; their underlying content is not provided in the source data.

Per the Butterfly Supply-Chain Graph, supply chain is recorded as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependency detail is not available in source data. Sector correlation data beyond the Beta of 0.97 is not available in source data. Not available in source data for 2nd-order bottleneck analysis.

• What are the specific terms and expected earnings impact of the Apollo joint venture, and how does it relate to the reported guidance reset?
• What drove the increase in total debt from $1464.5M (FY 2023) to $2905.6M (FY 2025), and how is it being serviced?
• Why are reported revenue figures ($11.4M in FY 2025) so small relative to operating income ($553.6M), and what does the revenue line represent?
• What are the underlying insider and institutional transactions behind the Insider Conviction and Whale 13F Flow pillar scores?
• What analyst consensus and price targets exist for UDR, given the source provides none?