LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:LADR • US5057431042
10.97 USD
-0.19 (-1.7%)
At close: Jan 30, 2026
11.18 USD
+0.21 (+1.91%)
After Hours: 1/30/2026, 7:13:51 PM
We assign a fundamental rating of 4 out of 10 to LADR. LADR was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While LADR is still in line with the averages on profitability rating, there are concerns on its financial health. LADR is valued correctly, 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.
- Of the past 5 years LADR 4 years were profitable.
- Each year in the past 5 years LADR had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.70%, LADR belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
- LADR has a better Return On Equity (5.33%) than 72.06% of its industry peers.
- LADR has a Return On Invested Capital of 1.46%. This is amongst the best in the industry. LADR outperforms 86.76% 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 1.28%.
| 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
- Looking at the Profit Margin, with a value of 19.27%, LADR belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
- LADR's Profit Margin has declined in the last couple of years.
- LADR's Operating Margin of 20.45% is fine compared to the rest of the industry. LADR outperforms 73.53% of its industry peers.
- LADR's Operating Margin has declined in the last couple of years.
- The Gross Margin of LADR (56.45%) is better than 88.24% of its industry peers.
- LADR's Gross Margin has been stable in the last couple of years.
| 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.
- The number of shares outstanding for LADR has been increased compared to 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 0.33, we must say that LADR is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 0.33, LADR belongs to the best 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.
- With an excellent Debt to Equity ratio value of 2.00, LADR belongs to the best of the industry, outperforming 83.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.33 |
ROIC/WACC0.24
WACC5.95%
2.3 Liquidity
- A Current Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
- The Current ratio of LADR (0.63) is better than 66.18% 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.
- The Quick ratio of LADR (0.63) is better than 66.18% 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%.
- 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.
- LADR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.66%.
- 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 small growth in Earnings Per Share. The EPS will grow by 2.16% on average per year.
- LADR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.46% yearly.
EPS Next Y-22.02%
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
EPS Next 5YN/A
Revenue Next Year-26.01%
Revenue Next 2Y-10.68%
Revenue Next 3Y-1.46%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.55, the valuation of LADR can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of LADR indicates a somewhat cheap valuation: LADR is cheaper than 66.18% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, LADR is valued rather cheaply.
- LADR is valuated reasonably with a Price/Forward Earnings ratio of 9.96.
- LADR's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, LADR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.55 | ||
| Fwd PE | 9.96 |
4.2 Price Multiples
- 91.18% of the companies in the same industry are more expensive than LADR, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 37.77 |
4.3 Compensation for Growth
- LADR has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
5. Dividend
5.1 Amount
- LADR has a Yearly Dividend Yield of 8.19%, which is a nice return.
- Compared to an average industry Dividend Yield of 11.37, LADR's dividend is way lower than its industry peers. On top of this 89.71% of the companies listed in the same industry pay a better dividend than LADR!
- Compared to an average S&P500 Dividend Yield of 1.82, LADR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.19% |
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.
DP147.45%
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
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 for 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.
Can you provide the PE and PB ratios for LADR stock?
The Price/Earnings (PE) ratio for LADDER CAPITAL CORP-REIT (LADR) is 11.55 and the Price/Book (PB) ratio is 0.93.
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 decline by -22.02% in the next year.