LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
USA - NYSE:LADR - US5057431042 - REIT
10.7 USD
+0.02 (+0.19%)
10.5825 USD
-0.12 (-1.1%)
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 scores excellent on profitability, but there are concerns on its financial health. LADR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
LADR had positive earnings in the past year.
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.
The Return On Equity of LADR (5.33%) is better than 80.88% of its industry peers.
LADR's Return On Invested Capital of 1.46% is amongst the best of the industry. LADR outperforms 88.24% 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 1.19%.
| 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's Profit Margin of 19.27% is amongst the best of the industry. LADR outperforms 85.29% of its industry peers.
In the last couple of years the Profit Margin of LADR has declined.
Looking at the Operating Margin, with a value of 20.45%, LADR belongs to the top of the industry, outperforming 83.82% of the companies in the same industry.
In the last couple of years the Operating Margin of LADR has declined.
LADR has a Gross Margin of 56.45%. This is amongst the best in the industry. LADR outperforms 88.24% of its industry peers.
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
LADR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 0.32, we must say that LADR is in the distress zone and has some risk of bankruptcy.
LADR has a Altman-Z score of 0.32. This is amongst the best in the industry. LADR outperforms 86.76% of its industry peers.
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 | 0.32 |
ROIC/WACC0.25
WACC5.93%
2.3 Liquidity
A Current Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
LADR has a better Current ratio (0.63) than 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's Quick ratio of 0.63 is fine compared to the rest of the industry. LADR outperforms 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
LADR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.60%.
LADR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.55% yearly.
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
Based on estimates for the next years, LADR will show a very negative growth in Earnings Per Share. The EPS will decrease by -17.75% on average per year.
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
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.26, the valuation of LADR can be described as reasonable.
Based on the Price/Earnings ratio, LADR is valued a bit cheaper than 64.71% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, LADR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.62, the valuation of LADR can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as LADR.
LADR is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 9.62 |
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 | 37.26 |
4.3 Compensation for Growth
LADR has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as LADR's earnings are expected to decrease with -17.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
5. Dividend
5.1 Amount
LADR has a Yearly Dividend Yield of 8.61%, which is a nice return.
With a Dividend Yield of 8.61, LADR pays less dividend than the industry average, which is at 13.26. 86.76% 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
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
LADR pays out 147.45% of its income as dividend. This is not a sustainable payout ratio.
LADR's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP147.45%
EPS Next 2Y-4.14%
EPS Next 3Y-17.75%
10.7
+0.02 (+0.19%)
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-0.4%
Ins Owners11.72%
Ins Owner Change-1.92%
Market Cap1.36B
Revenue(TTM)413.45M
Net Income(TTM)79.68M
Analysts83.64
Price Target12.85 (20.09%)
Short Float %1.52%
Short Ratio2.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
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)-9.67%
EPS NQ rev (3m)-6.95%
EPS NY rev (1m)-2.89%
EPS NY rev (3m)-2.04%
Revenue NQ rev (1m)-8.97%
Revenue NQ rev (3m)-5.57%
Revenue NY rev (1m)-4.43%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 9.62 | ||
| P/S | 3.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.91 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | 37.26 |
EPS(TTM)0.95
EY8.88%
EPS(NY)1.11
Fwd EY10.39%
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 | 0.32 |
F-Score4
WACC5.93%
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 7 / 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.