AJX Fundamental Analysis - GREAT AJAX CORP

Fundamental Rating

Overall AJX gets a fundamental rating of 2 out of 10. We evaluated AJX against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of AJX have multiple concerns. AJX is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

AJX had negative earnings in the past year.

AJX had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: AJX reported negative net income in multiple years.

In the past 5 years AJX reported 4 times negative operating cash flow.

1.2 Ratios

With a Return On Assets value of -22.34%, AJX is not doing good in the industry: 98.46% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of -77.90%, AJX is doing worse than 98.46% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-22.34%
ROE	-77.9%
ROIC	N/A

ROA(3y)-1.21%

ROA(5y)-0.02%

ROE(3y)-5.81%

ROE(5y)-0.64%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AJX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AJX does not have a ROIC to compare to the WACC, probably because it is not profitable.

AJX has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, AJX has more shares outstanding

AJX has a better debt/assets ratio than last year.

2.2 Solvency

AJX has an Altman-Z score of -1.12. This is a bad value and indicates that AJX is not financially healthy and even has some risk of bankruptcy.

AJX has a worse Altman-Z score (-1.12) than 95.38% of its industry peers.

A Debt/Equity ratio of 2.46 is on the high side and indicates that AJX has dependencies on debt financing.

The Debt to Equity ratio of AJX (2.46) is better than 72.31% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.46
Debt/FCF	N/A
Altman-Z	-1.12

ROIC/WACCN/A

WACC3.88%

2.3 Liquidity

A Current Ratio of 0.35 indicates that AJX may have some problems paying its short term obligations.

AJX has a Current ratio (0.35) which is comparable to the rest of the industry.

A Quick Ratio of 0.35 indicates that AJX may have some problems paying its short term obligations.

The Quick ratio of AJX (0.35) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	0.35
Quick Ratio	0.35

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for AJX have decreased strongly by -169.29% in the last year.

Looking at the last year, AJX shows a very negative growth in Revenue. The Revenue has decreased by -178.16% in the last year.

AJX shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.92% yearly.

EPS 1Y (TTM)-169.29%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%28%

Revenue 1Y (TTM)-178.16%

Revenue growth 3Y-20.63%

Revenue growth 5Y-14.92%

Sales Q2Q%164.29%

3.2 Future

Based on estimates for the next years, AJX will show a very strong growth in Earnings Per Share. The EPS will grow by 32.37% on average per year.

The Revenue is expected to grow by 45.88% on average over the next years. This is a very strong growth

EPS Next Y-85.51%

EPS Next 2Y48.36%

EPS Next 3Y32.37%

EPS Next 5YN/A

Revenue Next Year182.82%

Revenue Next 2Y54.78%

Revenue Next 3Y45.88%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AJX. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 7.67 indicates a rather cheap valuation of AJX.

78.46% of the companies in the same industry are more expensive than AJX, based on the Price/Forward Earnings ratio.

AJX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.13.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	7.67

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

AJX's earnings are expected to grow with 32.37% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y48.36%

EPS Next 3Y32.37%

More info and screens

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.95%, AJX is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 11.21, AJX's dividend is way lower than its industry peers. On top of this 93.85% of the companies listed in the same industry pay a better dividend than AJX!

AJX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	7.95%

5.2 History

The dividend of AJX decreases each year by -7.19%.

AJX has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-7.19%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

AJX has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-6.38%

EPS Next 2Y48.36%

EPS Next 3Y32.37%

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GREAT AJAX CORP

NYSE:AJX (12/2/2024, 8:22:49 PM)

After market: 3.02 0 (0%)

3.02

-0.02 (-0.66%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryMortgage Real Estate Investment Trusts (REITs)"

Earnings (Last)10-21 2024-10-21/bmo

Earnings (Next)N/A N/A

Inst Owners63.77%

Inst Owner Change0.04%

Ins Owners9.31%

Ins Owner Change0%

Market Cap137.17M

Analysts76.67

Price Target6.12 (102.65%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.95%

Yearly Dividend0.81

Dividend Growth(5Y)-7.19%

DP-6.38%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-25.65%

Min EPS beat(2)-104.41%

Max EPS beat(2)53.1%

EPS beat(4)1

Avg EPS beat(4)-3149.34%

Min EPS beat(4)-12030.7%

Max EPS beat(4)53.1%

EPS beat(8)1

Avg EPS beat(8)-3731.48%

EPS beat(12)1

Avg EPS beat(12)-2566.26%

EPS beat(16)4

Avg EPS beat(16)-1917.66%

Revenue beat(2)0

Avg Revenue beat(2)-168.11%

Min Revenue beat(2)-277.98%

Max Revenue beat(2)-58.24%

Revenue beat(4)1

Avg Revenue beat(4)214.48%

Min Revenue beat(4)-277.98%

Max Revenue beat(4)1419.88%

Revenue beat(8)2

Avg Revenue beat(8)72.31%

Revenue beat(12)4

Avg Revenue beat(12)52.77%

Revenue beat(16)8

Avg Revenue beat(16)47.78%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-587.5%

EPS NY rev (1m)0%

EPS NY rev (3m)-69.41%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-30.22%

Revenue NY rev (1m)0%

Revenue NY rev (3m)132.17%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	7.67
P/S	N/A
P/FCF	N/A
P/OCF	N/A
P/B	0.56
P/tB	0.56
EV/EBITDA	N/A

EPS(TTM)-3.77

EYN/A

EPS(NY)0.39

Fwd EY13.04%

FCF(TTM)-0.22

FCFYN/A

OCF(TTM)-0.22

OCFYN/A

SpS-0.95

BVpS5.42

TBVpS5.42

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-22.34%
ROE	-77.9%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-1.21%

ROA(5y)-0.02%

ROE(3y)-5.81%

ROE(5y)-0.64%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover-0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	2.46
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.35
Quick Ratio	0.35
Altman-Z	-1.12

F-Score4

WACC3.88%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-169.29%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%28%

EPS Next Y-85.51%

EPS Next 2Y48.36%

EPS Next 3Y32.37%

EPS Next 5YN/A

Revenue 1Y (TTM)-178.16%

Revenue growth 3Y-20.63%

Revenue growth 5Y-14.92%

Sales Q2Q%164.29%

Revenue Next Year182.82%

Revenue Next 2Y54.78%

Revenue Next 3Y45.88%

Revenue Next 5YN/A

EBIT growth 1Y-668.55%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-1378.1%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-1331.34%

OCF growth 3YN/A

OCF growth 5YN/A

GREAT AJAX CORP (AJX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens