8.45 USD
+0.31 (+3.81%)
8.31 USD
-0.14 (-1.66%)
We assign a fundamental rating of 4 out of 10 to ADAM. ADAM was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of ADAM have multiple concerns. ADAM is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- ADAM had positive earnings in the past year.
- ADAM had a positive operating cash flow in the past year.
- ADAM had negative earnings in 4 of the past 5 years.
- ADAM had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ADAM has a Return On Assets (0.14%) which is in line with its industry peers.
- ADAM has a Return On Equity (1.27%) which is in line with its industry peers.
- With a Return On Invested Capital value of 0.31%, ADAM is not doing good in the industry: 60.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.27% | ||
| ROIC | 0.31% |
ROA(3y)-2.6%
ROA(5y)-2.47%
ROE(3y)-10.8%
ROE(5y)-8.12%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- ADAM's Profit Margin of 2.62% is in line compared to the rest of the industry. ADAM outperforms 42.65% of its industry peers.
- ADAM's Operating Margin of 7.21% is on the low side compared to the rest of the industry. ADAM is outperformed by 61.76% of its industry peers.
- ADAM has a Gross Margin of 31.77%. This is in the better half of the industry: ADAM outperforms 64.71% of its industry peers.
- ADAM's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.21% | ||
| PM (TTM) | 2.62% | ||
| GM | 31.77% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.68%
GM growth 5Y-1.48%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ADAM is destroying value.
- The number of shares outstanding for ADAM remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, ADAM has less shares outstanding
- ADAM has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of -0.66, we must say that ADAM is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of ADAM (-0.66) is worse than 72.06% of its industry peers.
- ADAM has a debt to FCF ratio of 137.72. This is a negative value and a sign of low solvency as ADAM would need 137.72 years to pay back of all of its debts.
- ADAM has a Debt to FCF ratio of 137.72. This is in the better half of the industry: ADAM outperforms 61.76% of its industry peers.
- ADAM has a Debt/Equity ratio of 7.78. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 7.78, ADAM is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.78 | ||
| Debt/FCF | 137.73 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.06
WACC5.47%
2.3 Liquidity
- A Current Ratio of 0.06 indicates that ADAM may have some problems paying its short term obligations.
- ADAM has a worse Current ratio (0.06) than 69.12% of its industry peers.
- A Quick Ratio of 0.06 indicates that ADAM may have some problems paying its short term obligations.
- ADAM has a Quick ratio of 0.06. This is in the lower half of the industry: ADAM underperforms 69.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
- ADAM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 141.18%, which is quite impressive.
- ADAM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.93%.
- The Revenue has been decreasing by -7.75% on average over the past years.
EPS 1Y (TTM)141.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
Revenue 1Y (TTM)8.93%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%-79.82%
3.2 Future
- The Earnings Per Share is expected to grow by 46.51% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 48.89% on average over the next years. This is a very strong growth
EPS Next Y190.55%
EPS Next 2Y72.88%
EPS Next 3Y46.51%
EPS Next 5YN/A
Revenue Next Year104.8%
Revenue Next 2Y74.93%
Revenue Next 3Y48.89%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- ADAM is valuated quite expensively with a Price/Earnings ratio of 120.71.
- ADAM's Price/Earnings ratio is a bit more expensive when compared to the industry. ADAM is more expensive than 72.06% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ADAM to the average of the S&P500 Index (27.54), we can say ADAM is valued expensively.
- A Price/Forward Earnings ratio of 8.72 indicates a reasonable valuation of ADAM.
- Based on the Price/Forward Earnings ratio, ADAM is valued a bit cheaper than 67.65% of the companies in the same industry.
- ADAM is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 120.71 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ADAM is valued a bit cheaper than the industry average as 79.41% of the companies are valued more expensively.
- ADAM's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ADAM is cheaper than 73.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.71 | ||
| EV/EBITDA | 66.79 |
4.3 Compensation for Growth
- ADAM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as ADAM's earnings are expected to grow with 46.51% in the coming years.
PEG (NY)0.63
PEG (5Y)N/A
EPS Next 2Y72.88%
EPS Next 3Y46.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 12.07%, ADAM is a good candidate for dividend investing.
- ADAM's Dividend Yield is comparable with the industry average which is at 10.90.
- ADAM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.07% |
5.2 History
- The dividend of ADAM is nicely growing with an annual growth rate of 8.89%!
- ADAM has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)8.89%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 665.48% of the earnings are spent on dividend by ADAM. This is not a sustainable payout ratio.
- The dividend of ADAM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP665.48%
EPS Next 2Y72.88%
EPS Next 3Y46.51%
8.45
+0.31 (+3.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-29 2025-10-29/dmh
Earnings (Next)02-17 2026-02-17/amc
Inst Owners56.57%
Inst Owner ChangeN/A
Ins Owners7.09%
Ins Owner Change17.5%
Market Cap763.12M
Revenue(TTM)674.62M
Net Income(TTM)17.67M
Analysts76.36
Price Target7.91 (-6.39%)
Short Float %2.2%
Short Ratio2.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.07% |
Yearly Dividend1.29
Dividend Growth(5Y)8.89%
DP665.48%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-67.15%
Min EPS beat(2)-120.64%
Max EPS beat(2)-13.65%
EPS beat(4)1
Avg EPS beat(4)-191.72%
Min EPS beat(4)-945.64%
Max EPS beat(4)313.03%
EPS beat(8)3
Avg EPS beat(8)38.87%
EPS beat(12)4
Avg EPS beat(12)-510.39%
EPS beat(16)4
Avg EPS beat(16)-700.46%
Revenue beat(2)0
Avg Revenue beat(2)-15.53%
Min Revenue beat(2)-19.17%
Max Revenue beat(2)-11.88%
Revenue beat(4)1
Avg Revenue beat(4)86.26%
Min Revenue beat(4)-19.17%
Max Revenue beat(4)380.49%
Revenue beat(8)5
Avg Revenue beat(8)334.79%
Revenue beat(12)9
Avg Revenue beat(12)323.58%
Revenue beat(16)11
Avg Revenue beat(16)239.85%
PT rev (1m)0%
PT rev (3m)-1.27%
EPS NQ rev (1m)-27.78%
EPS NQ rev (3m)8.34%
EPS NY rev (1m)-8.74%
EPS NY rev (3m)27.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)22.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 120.71 | ||
| Fwd PE | 8.72 | ||
| P/S | 1.13 | ||
| P/FCF | 9.71 | ||
| P/OCF | 7.55 | ||
| P/B | 0.55 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 66.79 |
EPS(TTM)0.07
EY0.83%
EPS(NY)0.97
Fwd EY11.47%
FCF(TTM)0.87
FCFY10.3%
OCF(TTM)1.12
OCFY13.24%
SpS7.47
BVpS15.4
TBVpS15.15
PEG (NY)0.63
PEG (5Y)N/A
Graham Number4.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.27% | ||
| ROCE | 0.84% | ||
| ROIC | 0.31% | ||
| ROICexc | 0.32% | ||
| ROICexgc | 0.32% | ||
| OM | 7.21% | ||
| PM (TTM) | 2.62% | ||
| GM | 31.77% | ||
| FCFM | 11.65% |
ROA(3y)-2.6%
ROA(5y)-2.47%
ROE(3y)-10.8%
ROE(5y)-8.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.68%
GM growth 5Y-1.48%
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.78 | ||
| Debt/FCF | 137.73 | ||
| Debt/EBITDA | 147.76 | ||
| Cap/Depr | 91.28% | ||
| Cap/Sales | 3.33% | ||
| Interest Coverage | 0.12 | ||
| Cash Conversion | 137.99% | ||
| Profit Quality | 444.66% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.66 |
F-Score5
WACC5.47%
ROIC/WACC0.06
Cap/Depr(3y)153.69%
Cap/Depr(5y)N/A
Cap/Sales(3y)61.91%
Cap/Sales(5y)40.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)141.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
EPS Next Y190.55%
EPS Next 2Y72.88%
EPS Next 3Y46.51%
EPS Next 5YN/A
Revenue 1Y (TTM)8.93%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%-79.82%
Revenue Next Year104.8%
Revenue Next 2Y74.93%
Revenue Next 3Y48.89%
Revenue Next 5YN/A
EBIT growth 1Y4.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y343.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y299.73%
OCF growth 3Y-53.38%
OCF growth 5Y-16.71%
ADAMAS TRUST INC / ADAM FAQ
What is the ChartMill fundamental rating of ADAMAS TRUST INC (ADAM) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ADAM.
What is the valuation status for ADAM stock?
ChartMill assigns a valuation rating of 5 / 10 to ADAMAS TRUST INC (ADAM). This can be considered as Fairly Valued.
How profitable is ADAMAS TRUST INC (ADAM) stock?
ADAMAS TRUST INC (ADAM) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for ADAM stock?
The Price/Earnings (PE) ratio for ADAMAS TRUST INC (ADAM) is 120.71 and the Price/Book (PB) ratio is 0.55.
How sustainable is the dividend of ADAMAS TRUST INC (ADAM) stock?
The dividend rating of ADAMAS TRUST INC (ADAM) is 5 / 10 and the dividend payout ratio is 665.48%.