LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LADR - US5057431042 - REIT
10.68 USD
+0.23 (+2.2%)
10.68 USD
0 (0%)
Overall LADR gets a fundamental rating of 4 out of 10. We evaluated LADR against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LADR has a medium profitability rating, but doesn't score so well on its financial health evaluation. LADR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LADR was profitable.
LADR had a negative operating cash flow in the past year.
LADR had positive earnings in 4 of the past 5 years.
In the past 5 years LADR always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 1.70%, LADR belongs to the best of the industry, outperforming 94.12% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.33%, LADR is in the better half of the industry, outperforming 72.06% of the companies in the same industry.
LADR's Return On Invested Capital of 1.46% is amongst the best of the industry. LADR outperforms 86.76% of its industry peers.
LADR had an Average Return On Invested Capital over the past 3 years of 1.84%. This is in line with the industry average of 1.23%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 5.33% | ||
| ROIC | 1.46% |
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
LADR has a better Profit Margin (19.27%) than 85.29% of its industry peers.
LADR's Profit Margin has declined in the last couple of years.
The Operating Margin of LADR (20.45%) is better than 72.06% of its industry peers.
In the last couple of years the Operating Margin of LADR has declined.
Looking at the Gross Margin, with a value of 56.45%, LADR belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
In the last couple of years the Gross Margin of LADR has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.45% | ||
| PM (TTM) | 19.27% | ||
| GM | 56.45% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LADR is destroying value.
The number of shares outstanding for LADR remains at a similar level compared to 1 year ago.
Compared to 5 years ago, LADR has more shares outstanding
The debt/assets ratio for LADR has been reduced compared to a year ago.
2.2 Solvency
LADR has an Altman-Z score of 0.31. This is a bad value and indicates that LADR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.31, LADR belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
LADR has a Debt/Equity ratio of 2.00. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of LADR (2.00) is better than 83.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.31 |
ROIC/WACC0.25
WACC5.86%
2.3 Liquidity
LADR has a Current Ratio of 0.63. This is a bad value and indicates that LADR is not financially healthy enough and could expect problems in meeting its short term obligations.
LADR's Current ratio of 0.63 is fine compared to the rest of the industry. LADR outperforms 64.71% of its industry peers.
LADR has a Quick Ratio of 0.63. This is a bad value and indicates that LADR is not financially healthy enough and could expect problems in meeting its short term obligations.
LADR has a better Quick ratio (0.63) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
The earnings per share for LADR have decreased strongly by -24.60% 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.
The Revenue for LADR has decreased by -18.66% in the past year. This is quite bad
LADR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.03% yearly.
EPS 1Y (TTM)-24.6%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-18.66%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-25.31%
3.2 Future
LADR is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -17.75% yearly.
The Revenue is expected to decrease by -2.21% on average over the next years.
EPS Next Y-22.24%
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
EPS Next 5YN/A
Revenue Next Year-28%
Revenue Next 2Y-12.31%
Revenue Next 3Y-2.21%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 11.24 indicates a reasonable valuation of LADR.
Based on the Price/Earnings ratio, LADR is valued a bit cheaper than 64.71% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. LADR is valued rather cheaply when compared to this.
LADR is valuated reasonably with a Price/Forward Earnings ratio of 9.61.
The rest of the industry has a similar Price/Forward Earnings ratio as LADR.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, LADR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LADR is valued cheaper than 89.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 37.01 |
4.3 Compensation for Growth
The decent profitability rating of LADR may justify a higher PE ratio.
LADR's earnings are expected to decrease with -17.75% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.80%, LADR is a good candidate for dividend investing.
With a Dividend Yield of 8.80, LADR pays less dividend than the industry average, which is at 12.04. 92.65% of the companies listed in the same industry pay a better dividend than LADR!
LADR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
5.2 History
The dividend of LADR decreases each year by -6.35%.
LADR has been paying a dividend for at least 10 years, so it has 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
147.45% 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.
DP147.45%
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
10.68
+0.23 (+2.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners63.4%
Inst Owner Change-1.3%
Ins Owners11.72%
Ins Owner Change-3.19%
Market Cap1.36B
Revenue(TTM)413.45M
Net Income(TTM)79.68M
Analysts83.64
Price Target12.85 (20.32%)
Short Float %1.6%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
Yearly Dividend0.93
Dividend Growth(5Y)-6.35%
DP147.45%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.57%
Min EPS beat(2)1.72%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-2.55%
Min EPS beat(4)-11.87%
Max EPS beat(4)5.42%
EPS beat(8)6
Avg EPS beat(8)2.6%
EPS beat(12)10
Avg EPS beat(12)4.55%
EPS beat(16)14
Avg EPS beat(16)10.45%
Revenue beat(2)1
Avg Revenue beat(2)8.63%
Min Revenue beat(2)-0.4%
Max Revenue beat(2)17.66%
Revenue beat(4)1
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-6.48%
Max Revenue beat(4)17.66%
Revenue beat(8)3
Avg Revenue beat(8)2.11%
Revenue beat(12)6
Avg Revenue beat(12)11.79%
Revenue beat(16)10
Avg Revenue beat(16)32.89%
PT rev (1m)-1.82%
PT rev (3m)-1.82%
EPS NQ rev (1m)-2.94%
EPS NQ rev (3m)-7.65%
EPS NY rev (1m)-2.89%
EPS NY rev (3m)-2.04%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)-5.57%
Revenue NY rev (1m)-4.43%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.61 | ||
| P/S | 3.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.91 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | 37.01 |
EPS(TTM)0.95
EY8.9%
EPS(NY)1.11
Fwd EY10.41%
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.14
OCFYN/A
SpS3.24
BVpS11.74
TBVpS11.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 5.33% | ||
| ROCE | 1.84% | ||
| ROIC | 1.46% | ||
| ROICexc | 1.47% | ||
| ROICexgc | 1.5% | ||
| OM | 20.45% | ||
| PM (TTM) | 19.27% | ||
| GM | 56.45% | ||
| FCFM | N/A |
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
ROICexgc growth 3Y44.8%
ROICexgc 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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 25.92 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 0.31 |
F-Score4
WACC5.86%
ROIC/WACC0.25
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)-24.6%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-16.67%
EPS Next Y-22.24%
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.66%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-25.31%
Revenue Next Year-28%
Revenue Next 2Y-12.31%
Revenue Next 3Y-2.21%
Revenue Next 5YN/A
EBIT growth 1Y-11.81%
EBIT growth 3Y24.19%
EBIT growth 5Y-4.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-110.45%
FCF growth 3Y31.27%
FCF growth 5Y-3.85%
OCF growth 1Y-110.45%
OCF growth 3Y18.89%
OCF growth 5Y-6.07%
LADDER CAPITAL CORP-REIT / LADR FAQ
Can you provide the ChartMill fundamental rating for LADDER CAPITAL CORP-REIT?
ChartMill assigns a fundamental rating of 4 / 10 to LADR.
What is the valuation status of LADDER CAPITAL CORP-REIT (LADR) stock?
ChartMill assigns a valuation rating of 5 / 10 to LADDER CAPITAL CORP-REIT (LADR). This can be considered as Fairly Valued.
How profitable is LADDER CAPITAL CORP-REIT (LADR) stock?
LADDER CAPITAL CORP-REIT (LADR) has a profitability rating of 6 / 10.
What is the financial health of LADDER CAPITAL CORP-REIT (LADR) stock?
The financial health rating of LADDER CAPITAL CORP-REIT (LADR) is 3 / 10.
What is the expected EPS growth for LADDER CAPITAL CORP-REIT (LADR) stock?
The Earnings per Share (EPS) of LADDER CAPITAL CORP-REIT (LADR) is expected to decline by -22.24% in the next year.