ADAMAS TRUST INC (ADAM) Fundamental Analysis & Valuation
NASDAQ:ADAM • US6496048405
Current stock price
7.88 USD
+0.26 (+3.41%)
At close:
7.93 USD
+0.05 (+0.63%)
After Hours:
This ADAM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. ADAM Profitability Analysis
1.1 Basic Checks
- ADAM had positive earnings in the past year.
- In the past year ADAM had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: ADAM reported negative net income in multiple years.
- Each year in the past 5 years ADAM had a positive operating cash flow.
1.2 Ratios
- ADAM has a Return On Assets (0.80%) which is in line with its industry peers.
- ADAM's Return On Equity of 7.11% is fine compared to the rest of the industry. ADAM outperforms 72.06% of its industry peers.
- The Return On Invested Capital of ADAM (0.88%) is better than 63.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.11% | ||
| ROIC | 0.88% |
ROA(3y)-0.52%
ROA(5y)-0.89%
ROE(3y)-2.03%
ROE(5y)-3.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- ADAM's Profit Margin of 12.63% is in line compared to the rest of the industry. ADAM outperforms 57.35% of its industry peers.
- With a decent Operating Margin value of 17.29%, ADAM is doing good in the industry, outperforming 67.65% of the companies in the same industry.
- ADAM has a better Gross Margin (39.24%) than 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.29% | ||
| PM (TTM) | 12.63% | ||
| GM | 39.24% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. ADAM Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ADAM is destroying value.
- ADAM has less shares outstanding than it did 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 -0.64, we must say that ADAM is in the distress zone and has some risk of bankruptcy.
- ADAM has a worse Altman-Z score (-0.64) than 70.59% of its industry peers.
- ADAM has a debt to FCF ratio of 88.02. This is a negative value and a sign of low solvency as ADAM would need 88.02 years to pay back of all of its debts.
- ADAM has a Debt to FCF ratio of 88.02. This is in the better half of the industry: ADAM outperforms 73.53% of its industry peers.
- ADAM has a Debt/Equity ratio of 7.71. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 7.71, ADAM is not doing good in the industry: 60.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.71 | ||
| Debt/FCF | 88.02 | ||
| Altman-Z | -0.64 |
ROIC/WACC0.19
WACC4.68%
2.3 Liquidity
- ADAM has a Current Ratio of 0.06. This is a bad value and indicates that ADAM is not financially healthy enough and could expect problems in meeting its short term obligations.
- ADAM's Current ratio of 0.06 is on the low side compared to the rest of the industry. ADAM is outperformed by 63.24% of its industry peers.
- ADAM has a Quick Ratio of 0.06. This is a bad value and indicates that ADAM is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 0.06, ADAM is doing worse than 63.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. ADAM Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 200.00% over the past year.
- The Earnings Per Share has been decreasing by -6.34% on average over the past years.
- ADAM shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.50%.
- The Revenue has been growing by 122.62% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5Y-6.34%
EPS Q2Q%197.83%
Revenue 1Y (TTM)52.5%
Revenue growth 3Y86.34%
Revenue growth 5Y122.62%
Sales Q2Q%-57.59%
3.2 Future
- The Earnings Per Share is expected to grow by 5.24% on average over the next years.
- ADAM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.90% yearly.
EPS Next Y-4.77%
EPS Next 2Y3.2%
EPS Next 3Y5.24%
EPS Next 5YN/A
Revenue Next Year34.21%
Revenue Next 2Y18.44%
Revenue Next 3Y19.9%
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 accelerating.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. ADAM Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.04, which indicates a very decent valuation of ADAM.
- Based on the Price/Earnings ratio, ADAM is valued cheaply inside the industry as 80.88% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of ADAM to the average of the S&P500 Index (27.87), we can say ADAM is valued rather cheaply.
- The Price/Forward Earnings ratio is 8.44, which indicates a very decent valuation of ADAM.
- 69.12% of the companies in the same industry are more expensive than ADAM, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 38.51. ADAM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 8.44 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ADAM is valued cheaply inside the industry as 94.12% of the companies are valued more expensively.
- 91.18% of the companies in the same industry are more expensive than ADAM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.7 | ||
| EV/EBITDA | 29.19 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.2%
EPS Next 3Y5.24%
5. ADAM Dividend Analysis
5.1 Amount
- ADAM has a Yearly Dividend Yield of 11.96%, which is a nice return.
- Compared to an average industry Dividend Yield of 12.92, ADAM is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, ADAM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.96% |
5.2 History
- On average, the dividend of ADAM grows each year by 25.20%, which is quite nice.
- ADAM has been paying a dividend for over 5 years, so it has already some track record.
- ADAM has decreased its dividend recently.
Dividend Growth(5Y)25.2%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- ADAM pays out 120.19% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of ADAM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP120.19%
EPS Next 2Y3.2%
EPS Next 3Y5.24%
ADAM Fundamentals: All Metrics, Ratios and Statistics
7.88
+0.26 (+3.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18 2026-02-18/amc
Earnings (Next)05-06 2026-05-06
Inst Owners57.43%
Inst Owner Change0%
Ins Owners7.2%
Ins Owner Change16.59%
Market Cap712.90M
Revenue(TTM)803.87M
Net Income(TTM)101.51M
Analysts76.67
Price Target9.08 (15.23%)
Short Float %2.83%
Short Ratio3.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.96% |
Yearly Dividend1.35
Dividend Growth(5Y)25.2%
DP120.19%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-30 2026-03-30 (0.23)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)42.31%
Min EPS beat(2)-13.65%
Max EPS beat(2)98.28%
EPS beat(4)2
Avg EPS beat(4)69.26%
Min EPS beat(4)-120.64%
Max EPS beat(4)313.03%
EPS beat(8)3
Avg EPS beat(8)-193.65%
EPS beat(12)5
Avg EPS beat(12)-54.7%
EPS beat(16)5
Avg EPS beat(16)-691.41%
Revenue beat(2)0
Avg Revenue beat(2)-20.15%
Min Revenue beat(2)-21.12%
Max Revenue beat(2)-19.17%
Revenue beat(4)0
Avg Revenue beat(4)-14.14%
Min Revenue beat(4)-21.12%
Max Revenue beat(4)-4.4%
Revenue beat(8)4
Avg Revenue beat(8)231.82%
Revenue beat(12)8
Avg Revenue beat(12)303.03%
Revenue beat(16)10
Avg Revenue beat(16)233.24%
PT rev (1m)2.3%
PT rev (3m)14.84%
EPS NQ rev (1m)5.24%
EPS NQ rev (3m)-5.43%
EPS NY rev (1m)5.58%
EPS NY rev (3m)-3.68%
Revenue NQ rev (1m)16.97%
Revenue NQ rev (3m)-13.45%
Revenue NY rev (1m)15.58%
Revenue NY rev (3m)-12.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 8.44 | ||
| P/S | 0.89 | ||
| P/FCF | 5.7 | ||
| P/OCF | 5.32 | ||
| P/B | 0.5 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | 29.19 |
EPS(TTM)0.98
EY12.44%
EPS(NY)0.93
Fwd EY11.84%
FCF(TTM)1.38
FCFY17.53%
OCF(TTM)1.48
OCFY18.8%
SpS8.89
BVpS15.77
TBVpS15.34
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.6494 (136.67%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.11% | ||
| ROCE | 2.44% | ||
| ROIC | 0.88% | ||
| ROICexc | 0.9% | ||
| ROICexgc | 0.9% | ||
| OM | 17.29% | ||
| PM (TTM) | 12.63% | ||
| GM | 39.24% | ||
| FCFM | 15.55% |
ROA(3y)-0.52%
ROA(5y)-0.89%
ROE(3y)-2.03%
ROE(5y)-3.84%
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 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.71 | ||
| Debt/FCF | 88.02 | ||
| Debt/EBITDA | 67.91 | ||
| Cap/Depr | 39.13% | ||
| Cap/Sales | 1.12% | ||
| Interest Coverage | 0.31 | ||
| Cash Conversion | 82.72% | ||
| Profit Quality | 123.14% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.64 |
F-Score7
WACC4.68%
ROIC/WACC0.19
Cap/Depr(3y)111.38%
Cap/Depr(5y)147.82%
Cap/Sales(3y)6.07%
Cap/Sales(5y)39.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5Y-6.34%
EPS Q2Q%197.83%
EPS Next Y-4.77%
EPS Next 2Y3.2%
EPS Next 3Y5.24%
EPS Next 5YN/A
Revenue 1Y (TTM)52.5%
Revenue growth 3Y86.34%
Revenue growth 5Y122.62%
Sales Q2Q%-57.59%
Revenue Next Year34.21%
Revenue Next 2Y18.44%
Revenue Next 3Y19.9%
Revenue Next 5YN/A
EBIT growth 1Y328.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y668.18%
FCF growth 3YN/A
FCF growth 5Y2.57%
OCF growth 1Y857.14%
OCF growth 3Y13.44%
OCF growth 5Y3.88%
ADAMAS TRUST INC / ADAM Fundamental Analysis 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 6 / 10 to ADAMAS TRUST INC (ADAM). This can be considered as Fairly Valued.
Can you provide the profitability details for ADAMAS TRUST INC?
ADAMAS TRUST INC (ADAM) has a profitability rating of 4 / 10.
What is the financial health of ADAMAS TRUST INC (ADAM) stock?
The financial health rating of ADAMAS TRUST INC (ADAM) is 2 / 10.
What is the earnings growth outlook for ADAMAS TRUST INC?
The Earnings per Share (EPS) of ADAMAS TRUST INC (ADAM) is expected to decline by -4.77% in the next year.