LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
NYSE:LADR • US5057431042
10.36 USD
-0.12 (-1.15%)
At close: Feb 23, 2026
10.36 USD
0 (0%)
After Hours: 2/23/2026, 8:04:00 PM
Overall LADR gets a fundamental rating of 6 out of 10. We evaluated LADR against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While LADR has a great profitability rating, there are some minor concerns on its financial health. LADR is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- LADR had positive earnings in the past year.
- In the past year LADR had a positive cash flow from operations.
- Each year in the past 5 years LADR has been profitable.
- LADR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of LADR (1.25%) is better than 89.86% of its industry peers.
- LADR has a Return On Equity (4.33%) which is in line with its industry peers.
- With an excellent Return On Invested Capital value of 1.05%, LADR belongs to the best of the industry, outperforming 84.06% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for LADR is in line with the industry average of 1.25%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 4.33% | ||
| ROIC | 1.05% |
ROA(3y)1.77%
ROA(5y)1.73%
ROE(3y)5.99%
ROE(5y)6.2%
ROIC(3y)1.43%
ROIC(5y)1.47%
1.3 Margins
- The Profit Margin of LADR (16.45%) is better than 73.91% of its industry peers.
- In the last couple of years the Profit Margin of LADR has declined.
- LADR has a Operating Margin of 17.18%. This is in the better half of the industry: LADR outperforms 68.12% of its industry peers.
- LADR's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 55.17%, LADR belongs to the top of the industry, outperforming 88.41% of the companies in the same industry.
- In the last couple of years the Gross Margin of LADR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.18% | ||
| PM (TTM) | 16.45% | ||
| GM | 55.17% |
OM growth 3Y-18%
OM growth 5YN/A
PM growth 3Y-14.31%
PM growth 5YN/A
GM growth 3Y-4.85%
GM growth 5Y8.68%
2. Health
2.1 Basic Checks
- LADR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- LADR has about the same amout of shares outstanding than it did 1 year ago.
- LADR has more shares outstanding than it did 5 years ago.
- LADR has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.25, we must say that LADR is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of LADR (0.25) is better than 85.51% of its industry peers.
- LADR has a debt to FCF ratio of 40.34. This is a negative value and a sign of low solvency as LADR would need 40.34 years to pay back of all of its debts.
- LADR's Debt to FCF ratio of 40.34 is amongst the best of the industry. LADR outperforms 82.61% of its industry peers.
- LADR has a Debt/Equity ratio of 2.37. This is a high value indicating a heavy dependency on external financing.
- LADR has a better Debt to Equity ratio (2.37) than 79.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | 40.34 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.2
WACC5.17%
2.3 Liquidity
- LADR has a Current Ratio of 0.44. This is a bad value and indicates that LADR is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.44, LADR is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- A Quick Ratio of 0.44 indicates that LADR may have some problems paying its short term obligations.
- LADR has a better Quick ratio (0.44) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.44 | ||
| Quick Ratio | 0.44 |
3. Growth
3.1 Past
- The earnings per share for LADR have decreased strongly by -29.75% in the last year.
- LADR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.58% yearly.
- LADR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -23.00%.
- Measured over the past years, LADR shows a small growth in Revenue. The Revenue has been growing by 1.76% on average per year.
EPS 1Y (TTM)-29.75%
EPS 3Y-10.1%
EPS 5Y7.58%
EPS Q2Q%-37.04%
Revenue 1Y (TTM)-23%
Revenue growth 3Y-10.48%
Revenue growth 5Y1.76%
Sales Q2Q%-12.85%
3.2 Future
- LADR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.21% yearly.
- Based on estimates for the next years, LADR will show a quite strong growth in Revenue. The Revenue will grow by 11.12% on average per year.
EPS Next Y31.4%
EPS Next 2Y23.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5%
Revenue Next 2Y11.12%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- LADR is valuated correctly with a Price/Earnings ratio of 12.19.
- 60.87% of the companies in the same industry are more expensive than LADR, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 26.64. LADR is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 9.28, the valuation of LADR can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of LADR indicates a somewhat cheap valuation: LADR is cheaper than 60.87% of the companies listed in the same industry.
- LADR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.75.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 9.28 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, LADR is valued cheaper than 89.86% 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 65.22% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.15 | ||
| EV/EBITDA | 48.53 |
4.3 Compensation for Growth
- LADR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of LADR may justify a higher PE ratio.
- A more expensive valuation may be justified as LADR's earnings are expected to grow with 23.21% in the coming years.
PEG (NY)0.39
PEG (5Y)1.61
EPS Next 2Y23.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LADR has a Yearly Dividend Yield of 8.81%, which is a nice return.
- LADR's Dividend Yield is slightly below the industry average, which is at 11.22.
- Compared to an average S&P500 Dividend Yield of 1.80, LADR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.81% |
5.2 History
- The dividend of LADR decreases each year by -1.91%.
- 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)-1.91%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
- 182.94% of the earnings are spent on dividend by LADR. This is not a sustainable payout ratio.
DP182.94%
EPS Next 2Y23.21%
EPS Next 3YN/A
10.36
-0.12 (-1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners63.29%
Inst Owner Change0.66%
Ins Owners11.72%
Ins Owner Change24.07%
Market Cap1.32B
Revenue(TTM)390.14M
Net Income(TTM)64.18M
Analysts84.62
Price Target12.9 (24.52%)
Short Float %1.32%
Short Ratio1.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.81% |
Yearly Dividend0.92
Dividend Growth(5Y)-1.91%
DP182.94%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-12.08%
Min EPS beat(2)-29.58%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-8.58%
Min EPS beat(4)-29.58%
Max EPS beat(4)5.42%
EPS beat(8)5
Avg EPS beat(8)-1.96%
EPS beat(12)9
Avg EPS beat(12)1.59%
EPS beat(16)13
Avg EPS beat(16)6.38%
Revenue beat(2)2
Avg Revenue beat(2)8.91%
Min Revenue beat(2)0.17%
Max Revenue beat(2)17.66%
Revenue beat(4)2
Avg Revenue beat(4)3.69%
Min Revenue beat(4)-2.68%
Max Revenue beat(4)17.66%
Revenue beat(8)3
Avg Revenue beat(8)2.12%
Revenue beat(12)6
Avg Revenue beat(12)2.55%
Revenue beat(16)10
Avg Revenue beat(16)26.11%
PT rev (1m)-0.19%
PT rev (3m)0.34%
EPS NQ rev (1m)-8.28%
EPS NQ rev (3m)-10.28%
EPS NY rev (1m)1.39%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)-8.93%
Revenue NQ rev (3m)-4.88%
Revenue NY rev (1m)-2.64%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 9.28 | ||
| P/S | 3.38 | ||
| P/FCF | 15.15 | ||
| P/OCF | 15.15 | ||
| P/B | 0.89 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 48.53 |
EPS(TTM)0.85
EY8.2%
EPS(NY)1.12
Fwd EY10.78%
FCF(TTM)0.68
FCFY6.6%
OCF(TTM)0.68
OCFY6.6%
SpS3.07
BVpS11.66
TBVpS11.26
PEG (NY)0.39
PEG (5Y)1.61
Graham Number14.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 4.33% | ||
| ROCE | 1.33% | ||
| ROIC | 1.05% | ||
| ROICexc | 1.06% | ||
| ROICexgc | 1.08% | ||
| OM | 17.18% | ||
| PM (TTM) | 16.45% | ||
| GM | 55.17% | ||
| FCFM | 22.3% |
ROA(3y)1.77%
ROA(5y)1.73%
ROE(3y)5.99%
ROE(5y)6.2%
ROIC(3y)1.43%
ROIC(5y)1.47%
ROICexc(3y)1.78%
ROICexc(5y)1.75%
ROICexgc(3y)1.85%
ROICexgc(5y)1.82%
ROCE(3y)1.81%
ROCE(5y)1.86%
ROICexgc growth 3Y-25.65%
ROICexgc growth 5YN/A
ROICexc growth 3Y-25.47%
ROICexc growth 5YN/A
OM growth 3Y-18%
OM growth 5YN/A
PM growth 3Y-14.31%
PM growth 5YN/A
GM growth 3Y-4.85%
GM growth 5Y8.68%
F-Score4
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | 40.34 | ||
| Debt/EBITDA | 35.45 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.43 | ||
| Cash Conversion | 87.87% | ||
| Profit Quality | 135.58% | ||
| Current Ratio | 0.44 | ||
| Quick Ratio | 0.44 | ||
| Altman-Z | 0.25 |
F-Score4
WACC5.17%
ROIC/WACC0.2
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)145.96%
Profit Quality(5y)123.54%
High Growth Momentum
Growth
EPS 1Y (TTM)-29.75%
EPS 3Y-10.1%
EPS 5Y7.58%
EPS Q2Q%-37.04%
EPS Next Y31.4%
EPS Next 2Y23.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-23%
Revenue growth 3Y-10.48%
Revenue growth 5Y1.76%
Sales Q2Q%-12.85%
Revenue Next Year5%
Revenue Next 2Y11.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-39.45%
EBIT growth 3Y-26.6%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.02%
FCF growth 3Y-6.57%
FCF growth 5Y-3.59%
OCF growth 1Y-35.02%
OCF growth 3Y-6.57%
OCF growth 5Y-4.91%
LADDER CAPITAL CORP-REIT / LADR FAQ
Can you provide the ChartMill fundamental rating for LADDER CAPITAL CORP-REIT?
ChartMill assigns a fundamental rating of 6 / 10 to LADR.
What is the valuation status for LADR stock?
ChartMill assigns a valuation rating of 8 / 10 to LADDER CAPITAL CORP-REIT (LADR). This can be considered as Undervalued.
How profitable is LADDER CAPITAL CORP-REIT (LADR) stock?
LADDER CAPITAL CORP-REIT (LADR) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for LADR stock?
The Price/Earnings (PE) ratio for LADDER CAPITAL CORP-REIT (LADR) is 12.19 and the Price/Book (PB) ratio is 0.89.
What is the earnings growth outlook for LADDER CAPITAL CORP-REIT?
The Earnings per Share (EPS) of LADDER CAPITAL CORP-REIT (LADR) is expected to grow by 31.4% in the next year.