LTC PROPERTIES INC (LTC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LTC - US5021751020 - REIT
36.355 USD
-0.01 (-0.01%)
Taking everything into account, LTC scores 4 out of 10 in our fundamental rating. LTC was compared to 126 industry peers in the Diversified REITs industry. LTC has a medium profitability rating, but doesn't score so well on its financial health evaluation. LTC does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year LTC was profitable.
- In the past year LTC had a positive cash flow from operations.
- LTC had positive earnings in each of the past 5 years.
- In the past 5 years LTC always reported a positive cash flow from operatings.
1.2 Ratios
- LTC has a Return On Assets (1.62%) which is in line with its industry peers.
- LTC has a Return On Equity of 3.47%. This is comparable to the rest of the industry: LTC outperforms 58.73% of its industry peers.
- With a decent Return On Invested Capital value of 3.24%, LTC is doing good in the industry, outperforming 62.70% of the companies in the same industry.
- LTC had an Average Return On Invested Capital over the past 3 years of 5.29%. This 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 61.90% of its industry peers.
- LTC's Profit Margin has been stable in the last couple of years.
- The Operating Margin of LTC (35.30%) is better than 73.02% 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's Gross Margin of 83.40% is amongst the best of the industry. LTC outperforms 84.13% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
- Based on the Altman-Z score of 1.07, we must say that LTC is in the distress zone and has some risk of bankruptcy.
- LTC has a better Altman-Z score (1.07) than 80.16% of its industry peers.
- A Debt/Equity ratio of 0.99 indicates that LTC is somewhat dependend on debt financing.
- The Debt to Equity ratio of LTC (0.99) is better than 61.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.07 |
ROIC/WACC0.44
WACC7.3%
2.3 Liquidity
- A Current Ratio of 1.11 indicates that LTC should not have too much problems paying its short term obligations.
- The Current ratio of LTC (1.11) is comparable to the rest of the industry.
- A Quick Ratio of 1.11 indicates that LTC should not have too much problems paying its short term obligations.
- LTC has a Quick ratio of 1.11. This is comparable to the rest of the industry: LTC outperforms 56.35% of its industry peers.
| 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%.
- LTC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.52% yearly.
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 -2.52% on average over the next years.
- The Revenue is expected to decrease by -3.86% on average over the next years.
EPS Next Y-7.18%
EPS Next 2Y-1.88%
EPS Next 3Y-2.52%
EPS Next 5YN/A
Revenue Next Year-26.03%
Revenue Next 2Y-4.81%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 39.09 indicates a quite expensive valuation of LTC.
- LTC's Price/Earnings is on the same level as the industry average.
- LTC is valuated rather expensively when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 18.42 indicates a rather expensive valuation of LTC.
- LTC's Price/Forward Earnings ratio is rather cheap when compared to the industry. LTC is cheaper than 96.03% of the companies in the same industry.
- LTC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.09 | ||
| Fwd PE | 18.42 |
4.2 Price Multiples
- 84.92% of the companies in the same industry are cheaper than LTC, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.58 |
4.3 Compensation for Growth
- LTC has a very decent profitability rating, which 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
- With a Yearly Dividend Yield of 6.40%, LTC is a good candidate for dividend investing.
- LTC's Dividend Yield is a higher than the industry average which is at 6.86.
- Compared to an average S&P500 Dividend Yield of 1.92, LTC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.4% |
5.2 History
- The dividend of LTC decreases each year by -0.14%.
- LTC has paid a dividend for at least 10 years, which is 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
- 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 2Y-1.88%
EPS Next 3Y-2.52%
NYSE:LTC (1/16/2026, 10:41:36 AM)
36.355
-0.01 (-0.01%)
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%
Ins Owners2.02%
Ins Owner Change0.43%
Market Cap1.73B
Revenue(TTM)231.14M
Net Income(TTM)33.22M
Analysts68.33
Price Target38.91 (7.03%)
Short Float %4.38%
Short Ratio5.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.4% |
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)0.82%
EPS NQ rev (1m)15.19%
EPS NQ rev (3m)163.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.09 | ||
| Fwd PE | 18.42 | ||
| P/S | 7.49 | ||
| P/FCF | N/A | ||
| P/OCF | 13.18 | ||
| P/B | 1.81 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | 22.58 |
EPS(TTM)0.93
EY2.56%
EPS(NY)1.97
Fwd EY5.43%
FCF(TTM)-3.09
FCFYN/A
OCF(TTM)2.76
OCFY7.59%
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 | 1.07 |
F-Score3
WACC7.3%
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-26.03%
Revenue Next 2Y-4.81%
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 39.09 and the Price/Book (PB) ratio is 1.81.
How financially healthy is LTC PROPERTIES INC?
The financial health rating of LTC PROPERTIES INC (LTC) is 3 / 10.