INDEPENDENCE REALTY TRUST IN (IRT) Stock Fundamental Analysis

NYSE:IRT • US45378A1060

16.35 USD
+0.42 (+2.64%)
At close: Feb 13, 2026
16.35 USD
0 (0%)
After Hours: 2/13/2026, 8:17:57 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall IRT gets a fundamental rating of 4 out of 10. We evaluated IRT against 20 industry peers in the Residential REITs industry. IRT has a bad profitability rating. Also its financial health evaluation is rather negative. IRT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • IRT had positive earnings in the past year.
  • IRT had a positive operating cash flow in the past year.
  • Of the past 5 years IRT 4 years were profitable.
  • IRT had a positive operating cash flow in 4 of the past 5 years.
IRT Yearly Net Income VS EBIT VS OCF VS FCFIRT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

1.2 Ratios

  • IRT's Return On Assets of 0.37% is on the low side compared to the rest of the industry. IRT is outperformed by 70.00% of its industry peers.
  • IRT's Return On Equity of 0.64% is on the low side compared to the rest of the industry. IRT is outperformed by 70.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.64%, IRT is doing worse than 60.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for IRT is in line with the industry average of 2.59%.
Industry RankSector Rank
ROA 0.37%
ROE 0.64%
ROIC 1.64%
ROA(3y)0.44%
ROA(5y)0.76%
ROE(3y)0.76%
ROE(5y)1.36%
ROIC(3y)1.77%
ROIC(5y)1.42%
IRT Yearly ROA, ROE, ROICIRT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

1.3 Margins

  • Looking at the Profit Margin, with a value of 3.42%, IRT is doing worse than 65.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IRT has grown nicely.
  • With a Operating Margin value of 18.80%, IRT perfoms like the industry average, outperforming 55.00% of the companies in the same industry.
  • IRT's Operating Margin has declined in the last couple of years.
  • IRT has a Gross Margin of 59.03%. This is comparable to the rest of the industry: IRT outperforms 60.00% of its industry peers.
  • IRT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 18.8%
PM (TTM) 3.42%
GM 59.03%
OM growth 3Y7.56%
OM growth 5Y-2.97%
PM growth 3Y-22.74%
PM growth 5Y4.34%
GM growth 3Y-0.09%
GM growth 5Y0.7%
IRT Yearly Profit, Operating, Gross MarginsIRT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IRT is destroying value.
  • IRT has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for IRT has been increased compared to 5 years ago.
  • IRT has a better debt/assets ratio than last year.
IRT Yearly Shares OutstandingIRT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
IRT Yearly Total Debt VS Total AssetsIRT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • IRT has an Altman-Z score of 0.94. This is a bad value and indicates that IRT is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.94, IRT is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • The Debt to FCF ratio of IRT is 18.13, which is on the high side as it means it would take IRT, 18.13 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 18.13, IRT is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.66 indicates that IRT is somewhat dependend on debt financing.
  • IRT has a Debt to Equity ratio of 0.66. This is amongst the best in the industry. IRT outperforms 95.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 18.13
Altman-Z 0.94
ROIC/WACC0.26
WACC6.35%
IRT Yearly LT Debt VS Equity VS FCFIRT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.72 indicates that IRT may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.72, IRT is doing good in the industry, outperforming 70.00% of the companies in the same industry.
  • A Quick Ratio of 0.13 indicates that IRT may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.13, IRT is doing worse than 65.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.72
Quick Ratio 0.13
IRT Yearly Current Assets VS Current LiabilitesIRT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • IRT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.64%, which is quite good.
  • Measured over the past 5 years, IRT shows a small growth in Earnings Per Share. The EPS has been growing by 4.56% on average per year.
  • Looking at the last year, IRT shows a small growth in Revenue. The Revenue has grown by 2.76% in the last year.
  • Measured over the past years, IRT shows a very strong growth in Revenue. The Revenue has been growing by 25.32% on average per year.
EPS 1Y (TTM)13.64%
EPS 3Y-27.74%
EPS 5Y4.56%
EPS Q2Q%3600%
Revenue 1Y (TTM)2.76%
Revenue growth 3Y1.53%
Revenue growth 5Y25.32%
Sales Q2Q%3.7%

3.2 Future

  • IRT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.20% yearly.
  • IRT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.48% yearly.
EPS Next Y13.27%
EPS Next 2Y17.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.29%
Revenue Next 2Y3.46%
Revenue Next 3Y5.48%
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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
IRT Yearly Revenue VS EstimatesIRT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
IRT Yearly EPS VS EstimatesIRT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.2 -0.2 0.4 0.6

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • IRT is valuated quite expensively with a Price/Earnings ratio of 81.75.
  • Based on the Price/Earnings ratio, IRT is valued a bit more expensive than 60.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, IRT is valued quite expensively.
  • Based on the Price/Forward Earnings ratio of 72.17, the valuation of IRT can be described as expensive.
  • IRT's Price/Forward Earnings is on the same level as the industry average.
  • IRT's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 81.75
Fwd PE 72.17
IRT Price Earnings VS Forward Price EarningsIRT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IRT indicates a somewhat cheap valuation: IRT is cheaper than 65.00% of the companies listed in the same industry.
  • 75.00% of the companies in the same industry are more expensive than IRT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 30.87
EV/EBITDA 17.15
IRT Per share dataIRT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • A more expensive valuation may be justified as IRT's earnings are expected to grow with 17.20% in the coming years.
PEG (NY)6.16
PEG (5Y)17.91
EPS Next 2Y17.2%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • IRT has a Yearly Dividend Yield of 4.16%, which is a nice return.
  • IRT's Dividend Yield is slightly below the industry average, which is at 41.49.
  • Compared to an average S&P500 Dividend Yield of 1.84, IRT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.16%

5.2 History

  • The dividend of IRT decreases each year by -2.50%.
  • IRT has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of IRT decreased recently.
Dividend Growth(5Y)-2.5%
Div Incr Years1
Div Non Decr Years1
IRT Yearly Dividends per shareIRT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • IRT pays out 671.86% of its income as dividend. This is not a sustainable payout ratio.
DP671.86%
EPS Next 2Y17.2%
EPS Next 3YN/A
IRT Yearly Income VS Free CF VS DividendIRT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
IRT Dividend Payout.IRT Dividend Payout, showing the Payout Ratio.IRT Dividend Payout.PayoutRetained Earnings

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INDEPENDENCE REALTY TRUST IN

NYSE:IRT (2/13/2026, 8:17:57 PM)

After market: 16.35 0 (0%)

16.35

+0.42 (+2.64%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)02-11
Earnings (Next)04-28
Inst Owners101.41%
Inst Owner Change0.02%
Ins Owners0.47%
Ins Owner Change8.15%
Market Cap3.91B
Revenue(TTM)657.70M
Net Income(TTM)22.29M
Analysts80
Price Target20.62 (26.12%)
Short Float %5.19%
Short Ratio4.84
Dividend
Industry RankSector Rank
Dividend Yield 4.16%
Yearly Dividend0.63
Dividend Growth(5Y)-2.5%
DP671.86%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-71.44%
Min EPS beat(2)-112.77%
Max EPS beat(2)-30.11%
EPS beat(4)1
Avg EPS beat(4)-60.84%
Min EPS beat(4)-112.77%
Max EPS beat(4)5.61%
EPS beat(8)1
Avg EPS beat(8)-246.54%
EPS beat(12)4
Avg EPS beat(12)-154.65%
EPS beat(16)6
Avg EPS beat(16)-127.15%
Revenue beat(2)0
Avg Revenue beat(2)-2.61%
Min Revenue beat(2)-2.83%
Max Revenue beat(2)-2.4%
Revenue beat(4)0
Avg Revenue beat(4)-2.57%
Min Revenue beat(4)-2.83%
Max Revenue beat(4)-2.4%
Revenue beat(8)0
Avg Revenue beat(8)-2.04%
Revenue beat(12)0
Avg Revenue beat(12)-1.75%
Revenue beat(16)3
Avg Revenue beat(16)-0.7%
PT rev (1m)-0.84%
PT rev (3m)-3.92%
EPS NQ rev (1m)-2.2%
EPS NQ rev (3m)-13.64%
EPS NY rev (1m)-1.78%
EPS NY rev (3m)-23.15%
Revenue NQ rev (1m)-0.69%
Revenue NQ rev (3m)-0.84%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 81.75
Fwd PE 72.17
P/S 6
P/FCF 30.87
P/OCF 13.7
P/B 1.12
P/tB 1.12
EV/EBITDA 17.15
EPS(TTM)0.2
EY1.22%
EPS(NY)0.23
Fwd EY1.39%
FCF(TTM)0.53
FCFY3.24%
OCF(TTM)1.19
OCFY7.3%
SpS2.72
BVpS14.58
TBVpS14.55
PEG (NY)6.16
PEG (5Y)17.91
Graham Number8.1
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 0.64%
ROCE 2.07%
ROIC 1.64%
ROICexc 1.64%
ROICexgc 1.66%
OM 18.8%
PM (TTM) 3.42%
GM 59.03%
FCFM 19.44%
ROA(3y)0.44%
ROA(5y)0.76%
ROE(3y)0.76%
ROE(5y)1.36%
ROIC(3y)1.77%
ROIC(5y)1.42%
ROICexc(3y)1.77%
ROICexc(5y)1.43%
ROICexgc(3y)1.79%
ROICexgc(5y)1.44%
ROCE(3y)2.24%
ROCE(5y)1.8%
ROICexgc growth 3Y12.15%
ROICexgc growth 5Y-5.72%
ROICexc growth 3Y12.2%
ROICexc growth 5Y-5.79%
OM growth 3Y7.56%
OM growth 5Y-2.97%
PM growth 3Y-22.74%
PM growth 5Y4.34%
GM growth 3Y-0.09%
GM growth 5Y0.7%
F-Score8
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 18.13
Debt/EBITDA 6.35
Cap/Depr 66.7%
Cap/Sales 24.37%
Interest Coverage 250
Cash Conversion 79.17%
Profit Quality 568.13%
Current Ratio 0.72
Quick Ratio 0.13
Altman-Z 0.94
F-Score8
WACC6.35%
ROIC/WACC0.26
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)13.64%
EPS 3Y-27.74%
EPS 5Y4.56%
EPS Q2Q%3600%
EPS Next Y13.27%
EPS Next 2Y17.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.76%
Revenue growth 3Y1.53%
Revenue growth 5Y25.32%
Sales Q2Q%3.7%
Revenue Next Year3.29%
Revenue Next 2Y3.46%
Revenue Next 3Y5.48%
Revenue Next 5YN/A
EBIT growth 1Y-7.47%
EBIT growth 3Y9.2%
EBIT growth 5Y21.6%
EBIT Next Year223.79%
EBIT Next 3Y53.64%
EBIT Next 5YN/A
FCF growth 1Y83.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y11.7%
OCF growth 3YN/A
OCF growth 5YN/A

INDEPENDENCE REALTY TRUST IN / IRT FAQ

What is the fundamental rating for IRT stock?

ChartMill assigns a fundamental rating of 4 / 10 to IRT.


What is the valuation status for IRT stock?

ChartMill assigns a valuation rating of 2 / 10 to INDEPENDENCE REALTY TRUST IN (IRT). This can be considered as Overvalued.


Can you provide the profitability details for INDEPENDENCE REALTY TRUST IN?

INDEPENDENCE REALTY TRUST IN (IRT) has a profitability rating of 3 / 10.


What is the valuation of INDEPENDENCE REALTY TRUST IN based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INDEPENDENCE REALTY TRUST IN (IRT) is 81.75 and the Price/Book (PB) ratio is 1.12.


What is the financial health of INDEPENDENCE REALTY TRUST IN (IRT) stock?

The financial health rating of INDEPENDENCE REALTY TRUST IN (IRT) is 3 / 10.