ADAMAS TRUST INC (ADAM) Stock Fundamental Analysis
NASDAQ:ADAM • US6496048405
8.04 USD
-0.07 (-0.86%)
At close: Feb 18, 2026
8.2 USD
+0.16 (+1.99%)
After Hours: 2/18/2026, 8:13:14 PM
We assign a fundamental rating of 4 out of 10 to ADAM. ADAM was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of ADAM have multiple concerns. ADAM has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year ADAM was profitable.
- In the past year ADAM had a positive cash flow from operations.
- In the past 5 years ADAM reported 4 times negative net income.
- Of the past 5 years ADAM 4 years had a positive operating cash flow.
1.2 Ratios
- ADAM's Return On Assets of 0.14% is in line compared to the rest of the industry. ADAM outperforms 44.29% of its industry peers.
- Looking at the Return On Equity, with a value of 1.27%, ADAM is in line with its industry, outperforming 44.29% of the companies in the same industry.
- ADAM has a Return On Invested Capital of 0.31%. This is comparable to the rest of the industry: ADAM outperforms 41.43% of its industry peers.
| 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 has a Profit Margin (2.62%) which is comparable to the rest of the industry.
- ADAM has a Operating Margin (7.21%) which is in line with its industry peers.
- ADAM's Gross Margin of 31.77% is fine compared to the rest of the industry. ADAM outperforms 65.71% of its industry peers.
- In the last couple of years the Gross Margin of ADAM has remained more or less at the same level.
| 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
- ADAM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- ADAM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- ADAM has an Altman-Z score of -0.66. This is a bad value and indicates that ADAM is not financially healthy and even has some risk of bankruptcy.
- ADAM has a Altman-Z score of -0.66. This is in the lower half of the industry: ADAM underperforms 72.86% 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.
- With a decent Debt to FCF ratio value of 137.72, ADAM is doing good in the industry, outperforming 64.29% of the companies in the same industry.
- A Debt/Equity ratio of 7.78 is on the high side and indicates that ADAM has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 7.78, ADAM is doing worse than 62.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.78 | ||
| Debt/FCF | 137.73 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.06
WACC5.4%
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.
- With a Current ratio value of 0.06, ADAM is not doing good in the industry: 68.57% of the companies in the same industry are doing better.
- A Quick Ratio of 0.06 indicates that ADAM may have some problems paying its short term obligations.
- ADAM has a worse Quick ratio (0.06) than 68.57% 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
- ADAM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.11% yearly.
- ADAM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.79% yearly.
EPS Next Y191.33%
EPS Next 2Y72.43%
EPS Next 3Y46.11%
EPS Next 5YN/A
Revenue Next Year100.13%
Revenue Next 2Y68.18%
Revenue Next 3Y43.79%
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 114.86, the valuation of ADAM can be described as expensive.
- 72.86% of the companies in the same industry are cheaper than ADAM, based on the Price/Earnings ratio.
- ADAM's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.27.
- ADAM is valuated reasonably with a Price/Forward Earnings ratio of 8.43.
- Based on the Price/Forward Earnings ratio, ADAM is valued a bit cheaper than 65.71% of the companies in the same industry.
- ADAM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.86 | ||
| Fwd PE | 8.43 |
4.2 Price Multiples
- 85.71% of the companies in the same industry are more expensive than ADAM, based on the Enterprise Value to EBITDA ratio.
- 75.71% 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 | 9.24 | ||
| EV/EBITDA | 66.75 |
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 46.11% in the coming years.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y72.43%
EPS Next 3Y46.11%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 11.44%, ADAM is a good candidate for dividend investing.
- ADAM's Dividend Yield is a higher than the industry average which is at 10.48.
- Compared to an average S&P500 Dividend Yield of 1.84, ADAM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.44% |
5.2 History
- On average, the dividend of ADAM grows each year by 8.89%, which is quite nice.
- 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 2Y72.43%
EPS Next 3Y46.11%
8.04
-0.07 (-0.86%)
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)04-28 2026-04-28
Inst Owners56.57%
Inst Owner ChangeN/A
Ins Owners7.09%
Ins Owner Change16.59%
Market Cap726.09M
Revenue(TTM)674.62M
Net Income(TTM)17.67M
Analysts76.67
Price Target8.31 (3.36%)
Short Float %2.49%
Short Ratio3.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.44% |
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)5.16%
PT rev (3m)7.77%
EPS NQ rev (1m)3.49%
EPS NQ rev (3m)17.11%
EPS NY rev (1m)0.86%
EPS NY rev (3m)5.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.86 | ||
| Fwd PE | 8.43 | ||
| P/S | 1.08 | ||
| P/FCF | 9.24 | ||
| P/OCF | 7.18 | ||
| P/B | 0.52 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | 66.75 |
EPS(TTM)0.07
EY0.87%
EPS(NY)0.95
Fwd EY11.86%
FCF(TTM)0.87
FCFY10.82%
OCF(TTM)1.12
OCFY13.92%
SpS7.47
BVpS15.4
TBVpS15.15
PEG (NY)0.6
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
WACC5.4%
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 Y191.33%
EPS Next 2Y72.43%
EPS Next 3Y46.11%
EPS Next 5YN/A
Revenue 1Y (TTM)8.93%
Revenue growth 3Y11.51%
Revenue growth 5Y-7.75%
Sales Q2Q%-79.82%
Revenue Next Year100.13%
Revenue Next 2Y68.18%
Revenue Next 3Y43.79%
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 6 / 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 114.86 and the Price/Book (PB) ratio is 0.52.
How sustainable is the dividend of ADAMAS TRUST INC (ADAM) stock?
The dividend rating of ADAMAS TRUST INC (ADAM) is 6 / 10 and the dividend payout ratio is 665.48%.