LTC PROPERTIES INC (LTC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LTC - US5021751020 - REIT
37.84 USD
+0.35 (+0.93%)
37.84 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to LTC. LTC was compared to 125 industry peers in the Diversified REITs industry. While LTC is still in line with the averages on profitability rating, there are concerns on its financial health. LTC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- LTC had positive earnings in the past year.
- In the past year LTC had a positive cash flow from operations.
- LTC had positive earnings in each of the past 5 years.
- LTC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 1.62%, LTC perfoms like the industry average, outperforming 58.40% of the companies in the same industry.
- LTC's Return On Equity of 3.47% is in line compared to the rest of the industry. LTC outperforms 58.40% of its industry peers.
- LTC has a better Return On Invested Capital (3.24%) than 62.40% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for LTC is above the industry average of 3.07%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 3.47% | ||
| ROIC | 3.24% |
ROA(3y)5.29%
ROA(5y)5.21%
ROE(3y)10.51%
ROE(5y)10.28%
ROIC(3y)5.29%
ROIC(5y)4.97%
1.3 Margins
- LTC has a Profit Margin of 14.37%. This is in the better half of the industry: LTC outperforms 61.60% of its industry peers.
- In the last couple of years the Profit Margin of LTC has remained more or less at the same level.
- Looking at the Operating Margin, with a value of 35.30%, LTC is in the better half of the industry, outperforming 72.80% of the companies in the same industry.
- In the last couple of years the Operating Margin of LTC has remained more or less at the same level.
- LTC has a better Gross Margin (83.40%) than 84.00% of its industry peers.
- In the last couple of years the Gross Margin of LTC has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 35.3% | ||
| PM (TTM) | 14.37% | ||
| GM | 83.4% |
OM growth 3Y7.44%
OM growth 5Y1.11%
PM growth 3Y6.47%
PM growth 5Y-0.08%
GM growth 3Y1.37%
GM growth 5Y0.63%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LTC is destroying value.
- LTC has more shares outstanding than it did 1 year ago.
- LTC has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for LTC has been reduced compared to a year ago.
2.2 Solvency
- LTC has an Altman-Z score of 1.10. This is a bad value and indicates that LTC is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.10, LTC belongs to the top of the industry, outperforming 81.60% of the companies in the same industry.
- LTC has a Debt/Equity ratio of 0.99. This is a neutral value indicating LTC is somewhat dependend on debt financing.
- LTC has a Debt to Equity ratio of 0.99. This is in the better half of the industry: LTC outperforms 62.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.1 |
ROIC/WACC0.44
WACC7.44%
2.3 Liquidity
- A Current Ratio of 1.11 indicates that LTC should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.11, LTC perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
- LTC has a Quick Ratio of 1.11. This is a normal value and indicates that LTC is financially healthy and should not expect problems in meeting its short term obligations.
- The Quick ratio of LTC (1.11) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.11 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
- The earnings per share for LTC have decreased strongly by -60.09% in the last year.
- Measured over the past years, LTC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.48% on average per year.
- Looking at the last year, LTC shows a very negative growth in Revenue. The Revenue has decreased by -10.70% in the last year.
- Measured over the past years, LTC shows a small growth in Revenue. The Revenue has been growing by 2.52% on average per year.
EPS 1Y (TTM)-60.09%
EPS 3Y13.29%
EPS 5Y-0.48%
EPS Q2Q%-166.67%
Revenue 1Y (TTM)-10.7%
Revenue growth 3Y10.55%
Revenue growth 5Y2.52%
Sales Q2Q%11.66%
3.2 Future
- Based on estimates for the next years, LTC will show a decrease in Earnings Per Share. The EPS will decrease by -2.52% on average per year.
- Based on estimates for the next years, LTC will show a decrease in Revenue. The Revenue will decrease by -3.86% on average per year.
EPS Next Y-7.18%
EPS Next 2Y-1.88%
EPS Next 3Y-2.52%
EPS Next 5YN/A
Revenue Next Year-22.91%
Revenue Next 2Y-8.95%
Revenue Next 3Y-3.86%
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 40.69, the valuation of LTC can be described as expensive.
- LTC's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.32. LTC is valued slightly more expensive when compared to this.
- The Price/Forward Earnings ratio is 19.17, which indicates a rather expensive current valuation of LTC.
- Based on the Price/Forward Earnings ratio, LTC is valued cheaper than 96.00% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of LTC to the average of the S&P500 Index (24.30), we can say LTC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.69 | ||
| Fwd PE | 19.17 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, LTC is valued more expensive than 84.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 23.04 |
4.3 Compensation for Growth
- The decent profitability rating of LTC may justify a higher PE ratio.
- LTC's earnings are expected to decrease with -2.52% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.88%
EPS Next 3Y-2.52%
5. Dividend
5.1 Amount
- LTC has a Yearly Dividend Yield of 6.27%, which is a nice return.
- LTC's Dividend Yield is a higher than the industry average which is at 6.59.
- LTC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
5.2 History
- The dividend of LTC decreases each year by -0.14%.
- LTC has been paying a dividend for at least 10 years, so it has a reliable track record.
- LTC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.14%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
- 318.68% of the earnings are spent on dividend by LTC. This is not a sustainable payout ratio.
- The Dividend Rate of LTC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP318.68%
EPS Next 2Y-1.88%
EPS Next 3Y-2.52%
37.84
+0.35 (+0.93%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners81.57%
Inst Owner Change0.12%
Ins Owners2.02%
Ins Owner Change0.43%
Market Cap1.80B
Revenue(TTM)231.14M
Net Income(TTM)33.22M
Analysts68.33
Price Target38.76 (2.43%)
Short Float %4.85%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
Yearly Dividend2.27
Dividend Growth(5Y)-0.14%
DP318.68%
Div Incr Years0
Div Non Decr Years22
Ex-Date03-23 2026-03-23 (0.19)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-139.19%
Min EPS beat(2)-242.37%
Max EPS beat(2)-36.01%
EPS beat(4)0
Avg EPS beat(4)-75.57%
Min EPS beat(4)-242.37%
Max EPS beat(4)-2.72%
EPS beat(8)3
Avg EPS beat(8)-29.31%
EPS beat(12)5
Avg EPS beat(12)-18.76%
EPS beat(16)6
Avg EPS beat(16)-1.52%
Revenue beat(2)2
Avg Revenue beat(2)78.78%
Min Revenue beat(2)71.75%
Max Revenue beat(2)85.81%
Revenue beat(4)4
Avg Revenue beat(4)56.47%
Min Revenue beat(4)25.77%
Max Revenue beat(4)85.81%
Revenue beat(8)8
Avg Revenue beat(8)33.9%
Revenue beat(12)12
Avg Revenue beat(12)28.79%
Revenue beat(16)16
Avg Revenue beat(16)30.47%
PT rev (1m)-0.37%
PT rev (3m)0.44%
EPS NQ rev (1m)5.29%
EPS NQ rev (3m)141.02%
EPS NY rev (1m)0%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)-6.19%
Revenue NQ rev (3m)-2.29%
Revenue NY rev (1m)4.22%
Revenue NY rev (3m)4.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.69 | ||
| Fwd PE | 19.17 | ||
| P/S | 7.79 | ||
| P/FCF | N/A | ||
| P/OCF | 13.72 | ||
| P/B | 1.88 | ||
| P/tB | 1.89 | ||
| EV/EBITDA | 23.04 |
EPS(TTM)0.93
EY2.46%
EPS(NY)1.97
Fwd EY5.22%
FCF(TTM)-3.09
FCFYN/A
OCF(TTM)2.76
OCFY7.29%
SpS4.85
BVpS20.12
TBVpS19.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 3.47% | ||
| ROCE | 4.1% | ||
| ROIC | 3.24% | ||
| ROICexc | 3.27% | ||
| ROICexgc | 3.28% | ||
| OM | 35.3% | ||
| PM (TTM) | 14.37% | ||
| GM | 83.4% | ||
| FCFM | N/A |
ROA(3y)5.29%
ROA(5y)5.21%
ROE(3y)10.51%
ROE(5y)10.28%
ROIC(3y)5.29%
ROIC(5y)4.97%
ROICexc(3y)5.33%
ROICexc(5y)5%
ROICexgc(3y)5.34%
ROICexgc(5y)5.01%
ROCE(3y)6.69%
ROCE(5y)6.29%
ROICexgc growth 3Y12.51%
ROICexgc growth 5Y0.5%
ROICexc growth 3Y12.36%
ROICexc growth 5Y0.41%
OM growth 3Y7.44%
OM growth 5Y1.11%
PM growth 3Y6.47%
PM growth 5Y-0.08%
GM growth 3Y1.37%
GM growth 5Y0.63%
F-Score3
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 8.02 | ||
| Cap/Depr | 771.36% | ||
| Cap/Sales | 120.54% | ||
| Interest Coverage | 2.6 | ||
| Cash Conversion | 111.58% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.11 | ||
| Quick Ratio | 1.11 | ||
| Altman-Z | 1.1 |
F-Score3
WACC7.44%
ROIC/WACC0.44
Cap/Depr(3y)114.57%
Cap/Depr(5y)91.06%
Cap/Sales(3y)22.84%
Cap/Sales(5y)19.19%
Profit Quality(3y)75.06%
Profit Quality(5y)92.31%
High Growth Momentum
Growth
EPS 1Y (TTM)-60.09%
EPS 3Y13.29%
EPS 5Y-0.48%
EPS Q2Q%-166.67%
EPS Next Y-7.18%
EPS Next 2Y-1.88%
EPS Next 3Y-2.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.7%
Revenue growth 3Y10.55%
Revenue growth 5Y2.52%
Sales Q2Q%11.66%
Revenue Next Year-22.91%
Revenue Next 2Y-8.95%
Revenue Next 3Y-3.86%
Revenue Next 5YN/A
EBIT growth 1Y-48.86%
EBIT growth 3Y18.78%
EBIT growth 5Y3.65%
EBIT Next Year79.44%
EBIT Next 3Y28.02%
EBIT Next 5Y21.85%
FCF growth 1Y-351.76%
FCF growth 3Y9.4%
FCF growth 5Y22.26%
OCF growth 1Y17.57%
OCF growth 3Y11.13%
OCF growth 5Y0.43%
LTC PROPERTIES INC / LTC FAQ
Can you provide the ChartMill fundamental rating for LTC PROPERTIES INC?
ChartMill assigns a fundamental rating of 4 / 10 to LTC.
What is the valuation status of LTC PROPERTIES INC (LTC) stock?
ChartMill assigns a valuation rating of 2 / 10 to LTC PROPERTIES INC (LTC). This can be considered as Overvalued.
What is the profitability of LTC stock?
LTC PROPERTIES INC (LTC) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for LTC stock?
The Price/Earnings (PE) ratio for LTC PROPERTIES INC (LTC) is 40.69 and the Price/Book (PB) ratio is 1.88.
How financially healthy is LTC PROPERTIES INC?
The financial health rating of LTC PROPERTIES INC (LTC) is 3 / 10.