LTC PROPERTIES INC (LTC) Stock Fundamental Analysis
NYSE:LTC • US5021751020
39.9 USD
+0.51 (+1.29%)
At close: Feb 17, 2026
39.9 USD
0 (0%)
After Hours: 2/17/2026, 4:27:48 PM
We assign a fundamental rating of 4 out of 10 to LTC. LTC was compared to 123 industry peers in the Diversified REITs industry. While LTC belongs to the best of the industry regarding profitability, 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
- In the past year LTC was profitable.
- LTC had a positive operating cash flow in the past year.
- 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
- LTC's Return On Assets of 1.62% is fine compared to the rest of the industry. LTC outperforms 60.16% of its industry peers.
- With a Return On Equity value of 3.47%, LTC perfoms like the industry average, outperforming 59.35% of the companies in the same industry.
- LTC has a better Return On Invested Capital (3.24%) than 62.60% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for LTC is above the industry average of 3.06%.
| 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 63.41% of its industry peers.
- In the last couple of years the Profit Margin of LTC has remained more or less at the same level.
- LTC's Operating Margin of 35.30% is fine compared to the rest of the industry. LTC outperforms 73.17% of its industry peers.
- 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 83.74% of its industry peers.
- LTC's Gross Margin has been stable in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LTC is destroying value.
- The number of shares outstanding for LTC has been increased compared to 1 year ago.
- The number of shares outstanding for LTC has been increased compared to 5 years ago.
- LTC has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.15, we must say that LTC is in the distress zone and has some risk of bankruptcy.
- LTC has a Altman-Z score of 1.15. This is in the better half of the industry: LTC outperforms 79.67% of its industry peers.
- A Debt/Equity ratio of 0.99 indicates that LTC is somewhat dependend on debt financing.
- LTC has a better Debt to Equity ratio (0.99) than 61.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.15 |
ROIC/WACC0.44
WACC7.31%
2.3 Liquidity
- LTC has a Current 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.
- With a Current ratio value of 1.11, LTC perfoms like the industry average, outperforming 58.54% 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.
- Looking at the Quick ratio, with a value of 1.11, LTC is in line with its industry, outperforming 59.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.11 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
- LTC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -60.09%.
- LTC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.48% yearly.
- LTC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.70%.
- 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
- The Earnings Per Share is expected to decrease by -0.71% on average over the next years.
- LTC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.49% yearly.
EPS Next Y-13.68%
EPS Next 2Y0.06%
EPS Next 3Y-0.71%
EPS Next 5YN/A
Revenue Next Year-4.08%
Revenue Next 2Y-8.61%
Revenue Next 3Y-2.49%
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
- A Price/Earnings ratio of 42.90 indicates a quite expensive valuation of LTC.
- The rest of the industry has a similar Price/Earnings ratio as LTC.
- LTC is valuated expensively when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
- LTC is valuated rather expensively with a Price/Forward Earnings ratio of 19.44.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of LTC indicates a rather cheap valuation: LTC is cheaper than 95.94% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of LTC to the average of the S&P500 Index (28.06), we can say LTC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.9 | ||
| Fwd PE | 19.44 |
4.2 Price Multiples
- LTC's Enterprise Value to EBITDA ratio is rather expensive when compared to the industry. LTC is more expensive than 86.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 23.81 |
4.3 Compensation for Growth
- The decent profitability rating of LTC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.06%
EPS Next 3Y-0.71%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.83%, LTC is a good candidate for dividend investing.
- LTC's Dividend Yield is a higher than the industry average which is at 6.84.
- Compared to an average S&P500 Dividend Yield of 1.82, LTC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.14%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
- LTC pays out 318.68% of its income as dividend. 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 2Y0.06%
EPS Next 3Y-0.71%
39.9
+0.51 (+1.29%)
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)02-24 2026-02-24/amc
Inst Owners81.57%
Inst Owner Change0.58%
Ins Owners2.02%
Ins Owner Change-0.96%
Market Cap1.90B
Revenue(TTM)231.14M
Net Income(TTM)33.22M
Analysts68.33
Price Target38.91 (-2.48%)
Short Float %5.08%
Short Ratio5.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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%
PT rev (3m)0%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)137.21%
EPS NY rev (1m)-7.01%
EPS NY rev (3m)10.02%
Revenue NQ rev (1m)5.91%
Revenue NQ rev (3m)3.48%
Revenue NY rev (1m)24.44%
Revenue NY rev (3m)30.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.9 | ||
| Fwd PE | 19.44 | ||
| P/S | 8.22 | ||
| P/FCF | N/A | ||
| P/OCF | 14.46 | ||
| P/B | 1.98 | ||
| P/tB | 2 | ||
| EV/EBITDA | 23.81 |
EPS(TTM)0.93
EY2.33%
EPS(NY)2.05
Fwd EY5.14%
FCF(TTM)-3.09
FCFYN/A
OCF(TTM)2.76
OCFY6.91%
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 | 1.15 |
F-Score3
WACC7.31%
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-13.68%
EPS Next 2Y0.06%
EPS Next 3Y-0.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.7%
Revenue growth 3Y10.55%
Revenue growth 5Y2.52%
Sales Q2Q%11.66%
Revenue Next Year-4.08%
Revenue Next 2Y-8.61%
Revenue Next 3Y-2.49%
Revenue Next 5YN/A
EBIT growth 1Y-48.86%
EBIT growth 3Y18.78%
EBIT growth 5Y3.65%
EBIT Next Year77.14%
EBIT Next 3Y28.47%
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 7 / 10.
Can you provide the PE and PB ratios for LTC stock?
The Price/Earnings (PE) ratio for LTC PROPERTIES INC (LTC) is 42.9 and the Price/Book (PB) ratio is 1.98.
How financially healthy is LTC PROPERTIES INC?
The financial health rating of LTC PROPERTIES INC (LTC) is 3 / 10.