LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
USA - NYSE:LADR - US5057431042 - REIT
11.36 USD
+0.04 (+0.35%)
LADR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 62 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While LADR belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. LADR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year LADR was profitable.
LADR had a positive operating cash flow in the past year.
LADR had positive earnings in 4 of the past 5 years.
Each year in the past 5 years LADR had a positive operating cash flow.
1.2 Ratios
The Return On Assets of LADR (1.98%) is better than 93.55% of its industry peers.
With an excellent Return On Equity value of 5.88%, LADR belongs to the best of the industry, outperforming 90.32% of the companies in the same industry.
LADR's Return On Invested Capital of 1.68% is amongst the best of the industry. LADR outperforms 88.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LADR is in line with the industry average of 1.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 5.88% | ||
| ROIC | 1.68% |
ROA(3y)2.15%
ROA(5y)1.44%
ROE(3y)7.64%
ROE(5y)5.15%
ROIC(3y)1.84%
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 20.07%, LADR belongs to the best of the industry, outperforming 88.71% of the companies in the same industry.
LADR's Profit Margin has declined in the last couple of years.
LADR's Operating Margin of 21.06% is amongst the best of the industry. LADR outperforms 85.48% of its industry peers.
In the last couple of years the Operating Margin of LADR has declined.
The Gross Margin of LADR (56.02%) is better than 87.10% of its industry peers.
LADR's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.06% | ||
| PM (TTM) | 20.07% | ||
| GM | 56.02% |
OM growth 3Y10.59%
OM growth 5Y-4.83%
PM growth 3Y10.61%
PM growth 5Y-2.43%
GM growth 3Y4.81%
GM growth 5Y-1.18%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LADR is destroying value.
The number of shares outstanding for LADR remains at a similar level compared to 1 year ago.
LADR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LADR has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.40, we must say that LADR is in the distress zone and has some risk of bankruptcy.
LADR has a better Altman-Z score (0.40) than 85.48% of its industry peers.
LADR has a debt to FCF ratio of 22.41. This is a negative value and a sign of low solvency as LADR would need 22.41 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 22.41, LADR belongs to the best of the industry, outperforming 93.55% of the companies in the same industry.
LADR has a Debt/Equity ratio of 1.85. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.85, LADR belongs to the top of the industry, outperforming 80.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.85 | ||
| Debt/FCF | 22.41 | ||
| Altman-Z | 0.4 |
ROIC/WACC0.27
WACC6.12%
2.3 Liquidity
LADR has a Current Ratio of 1.45. This is a normal value and indicates that LADR is financially healthy and should not expect problems in meeting its short term obligations.
LADR's Current ratio of 1.45 is amongst the best of the industry. LADR outperforms 90.32% of its industry peers.
LADR has a Quick Ratio of 1.45. This is a normal value and indicates that LADR is financially healthy and should not expect problems in meeting its short term obligations.
LADR's Quick ratio of 1.45 is amongst the best of the industry. LADR outperforms 90.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.45 | ||
| Quick Ratio | 1.45 |
3. Growth
3.1 Past
The earnings per share for LADR have decreased strongly by -21.26% in the last year.
Measured over the past years, LADR shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.55% on average per year.
Looking at the last year, LADR shows a very negative growth in Revenue. The Revenue has decreased by -15.40% in the last year.
Measured over the past years, LADR shows a decrease in Revenue. The Revenue has been decreasing by -0.03% on average per year.
EPS 1Y (TTM)-21.26%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-25.81%
Revenue 1Y (TTM)-15.4%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-29.13%
3.2 Future
The Earnings Per Share is expected to decrease by -0.10% on average over the next years.
LADR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.97% yearly.
EPS Next Y-20.59%
EPS Next 2Y-0.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-27.49%
Revenue Next 2Y-8.97%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.36, the valuation of LADR can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of LADR indicates a somewhat cheap valuation: LADR is cheaper than 66.13% of the companies listed in the same industry.
LADR is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.41 indicates a reasonable valuation of LADR.
Based on the Price/Forward Earnings ratio, LADR is valued a bit cheaper than the industry average as 61.29% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of LADR to the average of the S&P500 Index (22.70), we can say LADR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LADR is valued cheaper than 93.55% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LADR indicates a somewhat cheap valuation: LADR is cheaper than 66.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.66 | ||
| EV/EBITDA | 33.05 |
4.3 Compensation for Growth
The decent profitability rating of LADR may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LADR has a Yearly Dividend Yield of 7.84%, which is a nice return.
Compared to an average industry Dividend Yield of 11.50, LADR's dividend is way lower than its industry peers. On top of this 93.55% of the companies listed in the same industry pay a better dividend than LADR!
Compared to an average S&P500 Dividend Yield of 2.38, LADR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
5.2 History
The dividend of LADR decreases each year by -6.35%.
LADR has paid a dividend for at least 10 years, which is a reliable track record.
LADR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-6.35%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
132.98% of the earnings are spent on dividend by LADR. This is not a sustainable payout ratio.
The Dividend Rate of LADR has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP132.98%
EPS Next 2Y-0.1%
EPS Next 3YN/A
NYSE:LADR (9/18/2025, 10:32:23 AM)
11.36
+0.04 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners64.69%
Inst Owner Change-6.16%
Ins Owners11.79%
Ins Owner Change-1.57%
Market Cap1.45B
Analysts83.33
Price Target13.09 (15.23%)
Short Float %1.23%
Short Ratio2.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.84% |
Yearly Dividend0.93
Dividend Growth(5Y)-6.35%
DP132.98%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.08%
Min EPS beat(2)-11.87%
Max EPS beat(2)1.72%
EPS beat(4)2
Avg EPS beat(4)-1.16%
Min EPS beat(4)-11.87%
Max EPS beat(4)10.99%
EPS beat(8)6
Avg EPS beat(8)2.3%
EPS beat(12)10
Avg EPS beat(12)4.88%
EPS beat(16)14
Avg EPS beat(16)12.61%
Revenue beat(2)0
Avg Revenue beat(2)-1.54%
Min Revenue beat(2)-2.68%
Max Revenue beat(2)-0.4%
Revenue beat(4)1
Avg Revenue beat(4)0.46%
Min Revenue beat(4)-6.48%
Max Revenue beat(4)11.4%
Revenue beat(8)2
Avg Revenue beat(8)-0.31%
Revenue beat(12)6
Avg Revenue beat(12)15.89%
Revenue beat(16)10
Avg Revenue beat(16)39.13%
PT rev (1m)0%
PT rev (3m)0.65%
EPS NQ rev (1m)0.83%
EPS NQ rev (3m)-3.97%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-3.63%
Revenue NQ rev (1m)5.11%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)1.66%
Revenue NY rev (3m)2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.41 | ||
| P/S | 3.29 | ||
| P/FCF | 11.66 | ||
| P/OCF | 11.66 | ||
| P/B | 0.96 | ||
| P/tB | 1 | ||
| EV/EBITDA | 33.05 |
EPS(TTM)1
EY8.8%
EPS(NY)1.21
Fwd EY10.63%
FCF(TTM)0.97
FCFY8.58%
OCF(TTM)0.97
OCFY8.58%
SpS3.46
BVpS11.79
TBVpS11.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 5.88% | ||
| ROCE | 2.13% | ||
| ROIC | 1.68% | ||
| ROICexc | 1.74% | ||
| ROICexgc | 1.77% | ||
| OM | 21.06% | ||
| PM (TTM) | 20.07% | ||
| GM | 56.02% | ||
| FCFM | 28.19% |
ROA(3y)2.15%
ROA(5y)1.44%
ROE(3y)7.64%
ROE(5y)5.15%
ROIC(3y)1.84%
ROIC(5y)N/A
ROICexc(3y)2.28%
ROICexc(5y)N/A
ROICexgc(3y)2.37%
ROICexgc(5y)N/A
ROCE(3y)2.33%
ROCE(5y)N/A
ROICexcg growth 3Y44.8%
ROICexcg growth 5Y9.08%
ROICexc growth 3Y43.44%
ROICexc growth 5Y8.32%
OM growth 3Y10.59%
OM growth 5Y-4.83%
PM growth 3Y10.61%
PM growth 5Y-2.43%
GM growth 3Y4.81%
GM growth 5Y-1.18%
F-Score7
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.85 | ||
| Debt/FCF | 22.41 | ||
| Debt/EBITDA | 22.49 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 100.36% | ||
| Profit Quality | 140.5% | ||
| Current Ratio | 1.45 | ||
| Quick Ratio | 1.45 | ||
| Altman-Z | 0.4 |
F-Score7
WACC6.12%
ROIC/WACC0.27
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)125.78%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-21.26%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-25.81%
EPS Next Y-20.59%
EPS Next 2Y-0.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.4%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-29.13%
Revenue Next Year-27.49%
Revenue Next 2Y-8.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-8.01%
EBIT growth 3Y24.19%
EBIT growth 5Y-4.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.27%
FCF growth 3Y31.27%
FCF growth 5Y-3.85%
OCF growth 1Y-9.27%
OCF growth 3Y18.89%
OCF growth 5Y-6.07%