LTC PROPERTIES INC (LTC) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:LTC • US5021751020
36.68 USD
+0.38 (+1.05%)
At close: Feb 4, 2026
35.96 USD
-0.72 (-1.96%)
After Hours: 2/4/2026, 5:31:21 PM
We assign a fundamental rating of 4 out of 10 to LTC. LTC was compared to 124 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 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.
- LTC had a positive operating cash flow in the past year.
- Each year in the past 5 years LTC has been profitable.
- In the past 5 years LTC always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of LTC (1.62%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 3.47%, LTC is in line with its industry, outperforming 58.87% of the companies in the same industry.
- LTC has a better Return On Invested Capital (3.24%) than 62.90% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for LTC is above the industry average of 3.05%.
| 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 62.10% of its industry peers.
- In the last couple of years the Profit Margin of LTC has remained more or less at the same level.
- The Operating Margin of LTC (35.30%) is better than 72.58% 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 83.87% 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
- LTC has an Altman-Z score of 1.07. 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 1.07, LTC is in the better half of the industry, outperforming 79.03% of the companies in the same industry.
- A Debt/Equity ratio of 0.99 indicates that LTC is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.99, LTC is doing good in the industry, outperforming 62.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.07 |
ROIC/WACC0.44
WACC7.39%
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 56.45% of the companies in the same industry.
- A Quick Ratio of 1.11 indicates that LTC should not have too much problems paying 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.
- LTC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.70%.
- The Revenue has been growing slightly by 2.52% on average over the past years.
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 -3.31% on average per year.
- Based on estimates for the next years, LTC will show a decrease in Revenue. The Revenue will decrease by -2.49% on average per year.
EPS Next Y-12.7%
EPS Next 2Y-0.14%
EPS Next 3Y-3.31%
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.
- 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
- Based on the Price/Earnings ratio of 39.44, the valuation of LTC can be described as expensive.
- LTC's Price/Earnings ratio is in line with the industry average.
- LTC is valuated rather expensively when we compare the Price/Earnings ratio to 28.25, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 17.94, which indicates a rather expensive current valuation of LTC.
- Based on the Price/Forward Earnings ratio, LTC is valued cheaply inside the industry as 95.97% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of LTC to the average of the S&P500 Index (27.50), we can say LTC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.44 | ||
| Fwd PE | 17.94 |
4.2 Price Multiples
- 84.68% 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 | 22.56 |
4.3 Compensation for Growth
- LTC has a very decent profitability rating, which may justify a higher PE ratio.
- A cheap valuation may be justified as LTC's earnings are expected to decrease with -3.31% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.14%
EPS Next 3Y-3.31%
5. Dividend
5.1 Amount
- LTC has a Yearly Dividend Yield of 6.30%, which is a nice return.
- LTC's Dividend Yield is a higher than the industry average which is at 6.98.
- Compared to an average S&P500 Dividend Yield of 1.82, LTC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.3% |
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-0.14%
EPS Next 3Y-3.31%
36.68
+0.38 (+1.05%)
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)02-12 2026-02-12/amc
Inst Owners81.57%
Inst Owner Change-0.19%
Ins Owners2.02%
Ins Owner Change0.43%
Market Cap1.75B
Revenue(TTM)231.14M
Net Income(TTM)33.22M
Analysts68.33
Price Target38.76 (5.67%)
Short Float %4.83%
Short Ratio5.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.3% |
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)-0.37%
EPS NQ rev (1m)-9.33%
EPS NQ rev (3m)137.21%
EPS NY rev (1m)-5.94%
EPS NY rev (3m)11.27%
Revenue NQ rev (1m)-0.65%
Revenue NQ rev (3m)3.48%
Revenue NY rev (1m)29.68%
Revenue NY rev (3m)30.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.44 | ||
| Fwd PE | 17.94 | ||
| P/S | 7.56 | ||
| P/FCF | N/A | ||
| P/OCF | 13.3 | ||
| P/B | 1.82 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | 22.56 |
EPS(TTM)0.93
EY2.54%
EPS(NY)2.04
Fwd EY5.57%
FCF(TTM)-3.09
FCFYN/A
OCF(TTM)2.76
OCFY7.52%
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
WACC7.39%
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-12.7%
EPS Next 2Y-0.14%
EPS Next 3Y-3.31%
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 6 / 10.
Can you provide the PE and PB ratios for LTC stock?
The Price/Earnings (PE) ratio for LTC PROPERTIES INC (LTC) is 39.44 and the Price/Book (PB) ratio is 1.82.
How financially healthy is LTC PROPERTIES INC?
The financial health rating of LTC PROPERTIES INC (LTC) is 3 / 10.