CTO REALTY GROWTH INC (CTO) Stock Fundamental Analysis
NYSE:CTO - New York Stock Exchange, Inc. - US22948Q1013 - REIT
Overall CTO gets a fundamental rating of 4 out of 10. We evaluated CTO against 129 industry peers in the Diversified REITs industry. CTO has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, CTO is valued expensive at the moment. CTO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CTO had positive earnings in the past year.
CTO had a positive operating cash flow in the past year.
Of the past 5 years CTO 4 years were profitable.
In the past 5 years CTO always reported a positive cash flow from operatings.
1.2 Ratios
CTO has a Return On Assets of 1.20%. This is comparable to the rest of the industry: CTO outperforms 58.73% of its industry peers.
CTO has a Return On Equity of 2.38%. This is comparable to the rest of the industry: CTO outperforms 55.56% of its industry peers.
CTO has a worse Return On Invested Capital (1.84%) than 72.22% of its industry peers.
CTO had an Average Return On Invested Capital over the past 3 years of 1.86%. This is in line with the industry average of 3.11%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 2.38% | ||
| ROIC | 1.84% |
ROA(3y)1.23%
ROA(5y)6.36%
ROE(3y)2.09%
ROE(5y)13.78%
ROIC(3y)1.86%
ROIC(5y)1.72%
1.3 Margins
CTO has a Profit Margin of 11.94%. This is in the better half of the industry: CTO outperforms 61.11% of its industry peers.
CTO's Profit Margin has declined in the last couple of years.
CTO has a Operating Margin of 19.90%. This is comparable to the rest of the industry: CTO outperforms 44.44% of its industry peers.
In the last couple of years the Operating Margin of CTO has declined.
CTO has a Gross Margin of 72.62%. This is in the better half of the industry: CTO outperforms 64.29% of its industry peers.
In the last couple of years the Gross Margin of CTO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.9% | ||
| PM (TTM) | 11.94% | ||
| GM | 72.62% |
OM growth 3Y0.2%
OM growth 5Y-2.57%
PM growth 3Y-82.91%
PM growth 5Y-61.78%
GM growth 3Y-0.31%
GM growth 5Y-1.98%
2. Health
2.1 Basic Checks
CTO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CTO has less shares outstanding
The number of shares outstanding for CTO has been increased compared to 5 years ago.
Compared to 1 year ago, CTO has a worse debt to assets ratio.
2.2 Solvency
CTO has an Altman-Z score of 1.09. This is a bad value and indicates that CTO is not financially healthy and even has some risk of bankruptcy.
CTO has a Altman-Z score of 1.09. This is in the better half of the industry: CTO outperforms 75.40% of its industry peers.
CTO has a Debt/Equity ratio of 0.88. This is a neutral value indicating CTO is somewhat dependend on debt financing.
The Debt to Equity ratio of CTO (0.88) is better than 65.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC0.26
WACC7%
2.3 Liquidity
A Current Ratio of 0.66 indicates that CTO may have some problems paying its short term obligations.
CTO has a worse Current ratio (0.66) than 79.37% of its industry peers.
A Quick Ratio of 0.65 indicates that CTO may have some problems paying its short term obligations.
CTO has a Quick ratio of 0.65. This is in the lower half of the industry: CTO underperforms 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.65 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 234.09% over the past year.
Measured over the past years, CTO shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -59.47% on average per year.
Looking at the last year, CTO shows a quite strong growth in Revenue. The Revenue has grown by 16.60% in the last year.
CTO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)234.09%
EPS 3Y-85.16%
EPS 5Y-59.47%
EPS Q2Q%142.86%
Revenue 1Y (TTM)16.6%
Revenue growth 3Y24.62%
Revenue growth 5Y20.11%
Sales Q2Q%11.71%
3.2 Future
The Earnings Per Share is expected to decrease by -87.06% on average over the next years. This is quite bad
Based on estimates for the next years, CTO will show a quite strong growth in Revenue. The Revenue will grow by 9.01% on average per year.
EPS Next Y943.68%
EPS Next 2Y135.69%
EPS Next 3Y-87.06%
EPS Next 5YN/A
Revenue Next Year15.43%
Revenue Next 2Y14.27%
Revenue Next 3Y9.01%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CTO is valuated quite expensively with a Price/Earnings ratio of 32.95.
Compared to the rest of the industry, the Price/Earnings ratio of CTO indicates a somewhat cheap valuation: CTO is cheaper than 61.90% of the companies listed in the same industry.
CTO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
CTO is valuated quite expensively with a Price/Forward Earnings ratio of 174.98.
CTO's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of CTO to the average of the S&P500 Index (24.44), we can say CTO is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.95 | ||
| Fwd PE | 174.98 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CTO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.76 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A cheap valuation may be justified as CTO's earnings are expected to decrease with -87.06% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y135.69%
EPS Next 3Y-87.06%
5. Dividend
5.1 Amount
CTO has a Yearly Dividend Yield of 7.63%, which is a nice return.
Compared to an average industry Dividend Yield of 18.51, CTO pays a better dividend. On top of this CTO pays more dividend than 80.95% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, CTO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.63% |
5.2 History
On average, the dividend of CTO grows each year by 88.05%, which is quite nice.
CTO has paid a dividend for at least 10 years, which is a reliable track record.
CTO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)88.05%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
CTO pays out 303.42% of its income as dividend. This is not a sustainable payout ratio.
CTO's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP303.42%
EPS Next 2Y135.69%
EPS Next 3Y-87.06%
CTO REALTY GROWTH INC
NYSE:CTO (1/22/2025, 11:49:57 AM)
19.44
-0.4 (-2.02%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)
Earnings (Next)
Inst Owners62.18%
Inst Owner Change0.02%
Ins Owners4.57%
Ins Owner Change-1.47%
Market Cap582.81M
Analysts85.45
Price Target23.21 (19.39%)
Short Float %6.99%
Short Ratio4.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.63% |
Yearly Dividend1.71
Dividend Growth(5Y)88.05%
DP303.42%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)411.88%
Min EPS beat(2)50.5%
Max EPS beat(2)773.27%
EPS beat(4)4
Avg EPS beat(4)501.56%
Min EPS beat(4)50.5%
Max EPS beat(4)892.08%
EPS beat(8)6
Avg EPS beat(8)-286.6%
EPS beat(12)8
Avg EPS beat(12)-140.55%
EPS beat(16)11
Avg EPS beat(16)114.25%
Revenue beat(2)2
Avg Revenue beat(2)4.04%
Min Revenue beat(2)3.89%
Max Revenue beat(2)4.19%
Revenue beat(4)3
Avg Revenue beat(4)3.36%
Min Revenue beat(4)-6.9%
Max Revenue beat(4)12.27%
Revenue beat(8)7
Avg Revenue beat(8)5.52%
Revenue beat(12)11
Avg Revenue beat(12)9.89%
Revenue beat(16)14
Avg Revenue beat(16)9.05%
PT rev (1m)2.41%
PT rev (3m)7.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)105.13%
EPS NY rev (1m)0%
EPS NY rev (3m)264.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)21.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.95 | ||
| Fwd PE | 174.98 | ||
| P/S | 4.91 | ||
| P/FCF | N/A | ||
| P/OCF | 11.14 | ||
| P/B | 0.98 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 15.76 |
EPS(TTM)0.59
EY3.03%
EPS(NY)0.11
Fwd EY0.57%
FCF(TTM)-5.57
FCFYN/A
OCF(TTM)1.74
OCFY8.97%
SpS3.96
BVpS19.87
TBVpS16.28
PEG (NY)0.03
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 2.38% | ||
| ROCE | 2.04% | ||
| ROIC | 1.84% | ||
| ROICexc | 1.86% | ||
| ROICexgc | 2.1% | ||
| OM | 19.9% | ||
| PM (TTM) | 11.94% | ||
| GM | 72.62% | ||
| FCFM | N/A |
ROA(3y)1.23%
ROA(5y)6.36%
ROE(3y)2.09%
ROE(5y)13.78%
ROIC(3y)1.86%
ROIC(5y)1.72%
ROICexc(3y)1.88%
ROICexc(5y)1.74%
ROICexgc(3y)2.2%
ROICexgc(5y)1.99%
ROCE(3y)2.06%
ROCE(5y)1.91%
ROICexcg growth 3Y11.11%
ROICexcg growth 5Y5.23%
ROICexc growth 3Y9.76%
ROICexc growth 5Y4.53%
OM growth 3Y0.2%
OM growth 5Y-2.57%
PM growth 3Y-82.91%
PM growth 5Y-61.78%
GM growth 3Y-0.31%
GM growth 5Y-1.98%
F-Score8
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.45 | ||
| Cap/Depr | 466.06% | ||
| Cap/Sales | 184.85% | ||
| Interest Coverage | 1.07 | ||
| Cash Conversion | 74.01% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.65 | ||
| Altman-Z | 1.09 |
F-Score8
WACC7%
ROIC/WACC0.26
Cap/Depr(3y)855.53%
Cap/Depr(5y)880.17%
Cap/Sales(3y)280.18%
Cap/Sales(5y)294.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)234.09%
EPS 3Y-85.16%
EPS 5Y-59.47%
EPS Q2Q%142.86%
EPS Next Y943.68%
EPS Next 2Y135.69%
EPS Next 3Y-87.06%
EPS Next 5YN/A
Revenue 1Y (TTM)16.6%
Revenue growth 3Y24.62%
Revenue growth 5Y20.11%
Sales Q2Q%11.71%
Revenue Next Year15.43%
Revenue Next 2Y14.27%
Revenue Next 3Y9.01%
Revenue Next 5YN/A
EBIT growth 1Y36.16%
EBIT growth 3Y24.86%
EBIT growth 5Y17.02%
EBIT Next Year244.5%
EBIT Next 3Y59.14%
EBIT Next 5YN/A
FCF growth 1Y18.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.11%
OCF growth 3Y39.96%
OCF growth 5Y-0.59%