ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) Fundamental Analysis & Valuation
NASDAQ:ADAML • US6496048652
23.6 USD
-0.1 (-0.42%)
Last: Mar 12, 2026, 05:26 PM
This ADAML fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, ADAML scores 4 out of 10 in our fundamental rating. ADAML was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While ADAML is still in line with the averages on profitability rating, there are concerns on its financial health. ADAML is valued quite expensive, but it does show an excellent growth.
1. ADAML Profitability Analysis
1.1 Basic Checks
- In the past year ADAML was profitable.
- ADAML had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: ADAML reported negative net income in multiple years.
- Each year in the past 5 years ADAML had a positive operating cash flow.
1.2 Ratios
- ADAML has a Return On Assets of 0.80%. This is comparable to the rest of the industry: ADAML outperforms 52.94% of its industry peers.
- The Return On Equity of ADAML (7.09%) is better than 67.65% of its industry peers.
- ADAML's Return On Invested Capital of 0.89% is in line compared to the rest of the industry. ADAML outperforms 58.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.09% | ||
| ROIC | 0.89% |
ROA(3y)-0.51%
ROA(5y)-0.89%
ROE(3y)-2.02%
ROE(5y)-3.83%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 12.58%, ADAML perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
- The Operating Margin of ADAML (17.36%) is better than 63.24% of its industry peers.
- ADAML has a better Gross Margin (39.24%) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.36% | ||
| PM (TTM) | 12.58% | ||
| 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. ADAML Health Analysis
2.1 Basic Checks
- ADAML has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- ADAML has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ADAML has less shares outstanding
- Compared to 1 year ago, ADAML has a worse debt to assets ratio.
2.2 Solvency
- ADAML has an Altman-Z score of -0.56. This is a bad value and indicates that ADAML is not financially healthy and even has some risk of bankruptcy.
- ADAML's Altman-Z score of -0.56 is on the low side compared to the rest of the industry. ADAML is outperformed by 66.18% of its industry peers.
- ADAML has a debt to FCF ratio of 87.99. This is a negative value and a sign of low solvency as ADAML would need 87.99 years to pay back of all of its debts.
- ADAML's Debt to FCF ratio of 87.99 is fine compared to the rest of the industry. ADAML outperforms 67.65% of its industry peers.
- ADAML 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, ADAML 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 | 7.71 | ||
| Debt/FCF | 87.99 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.17
WACC5.2%
2.3 Liquidity
- ADAML has a Current Ratio of 0.06. This is a bad value and indicates that ADAML is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Current ratio of ADAML (0.06) is worse than 67.65% of its industry peers.
- ADAML has a Quick Ratio of 0.06. This is a bad value and indicates that ADAML is not financially healthy enough and could expect problems in meeting its short term obligations.
- ADAML has a worse Quick ratio (0.06) than 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. ADAML Growth Analysis
3.1 Past
- ADAML shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 200.00%, which is quite impressive.
- ADAML shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.34% yearly.
- ADAML 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
- Based on estimates for the next years, ADAML will show a small growth in Earnings Per Share. The EPS will grow by 1.77% on average per year.
- Based on estimates for the next years, ADAML will show a quite strong growth in Revenue. The Revenue will grow by 12.07% on average per year.
EPS Next Y-9.8%
EPS Next 2Y1.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.12%
Revenue Next 2Y12.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. ADAML Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 24.08, the valuation of ADAML can be described as rather expensive.
- Based on the Price/Earnings ratio, ADAML is valued a bit more expensive than 61.76% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.15. ADAML is around the same levels.
- With a Price/Forward Earnings ratio of 26.70, ADAML can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ADAML indicates a slightly more expensive valuation: ADAML is more expensive than 79.41% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of ADAML to the average of the S&P500 Index (24.27), we can say ADAML is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.08 | ||
| Fwd PE | 26.7 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ADAML indicates a rather cheap valuation: ADAML is cheaper than 85.29% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as ADAML.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.08 | ||
| EV/EBITDA | 38.01 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.77%
EPS Next 3YN/A
5. ADAML Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 8.76%, ADAML is a good candidate for dividend investing.
- With a Dividend Yield of 8.76, ADAML pays less dividend than the industry average, which is at 11.52. 83.82% of the companies listed in the same industry pay a better dividend than ADAML!
- ADAML's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.76% |
5.2 History
- On average, the dividend of ADAML grows each year by 25.21%, which is quite nice.
- ADAML has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)25.21%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- ADAML pays out 120.63% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of ADAML is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP120.63%
EPS Next 2Y1.77%
EPS Next 3YN/A
ADAML Fundamentals: All Metrics, Ratios and Statistics
ADAMAS TRUST INC - ADAM 6 7/8 PERP
NASDAQ:ADAML (3/12/2026, 5:26:18 PM)
23.6
-0.1 (-0.42%)
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 Owners57.27%
Inst Owner ChangeN/A
Ins Owners7.2%
Ins Owner ChangeN/A
Market Cap2.14B
Revenue(TTM)803.87M
Net Income(TTM)101.11M
Analysts76.67
Price Target26.34 (11.61%)
Short Float %0%
Short Ratio0.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.76% |
Yearly Dividend1.35
Dividend Growth(5Y)25.21%
DP120.63%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)8.07%
PT rev (3m)10.49%
EPS NQ rev (1m)-9.16%
EPS NQ rev (3m)10.71%
EPS NY rev (1m)-7.31%
EPS NY rev (3m)12.55%
Revenue NQ rev (1m)-19.67%
Revenue NQ rev (3m)-26%
Revenue NY rev (1m)-17.83%
Revenue NY rev (3m)-24.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.08 | ||
| Fwd PE | 26.7 | ||
| P/S | 2.66 | ||
| P/FCF | 17.08 | ||
| P/OCF | 15.93 | ||
| P/B | 1.5 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 38.01 |
EPS(TTM)0.98
EY4.15%
EPS(NY)0.88
Fwd EY3.75%
FCF(TTM)1.38
FCFY5.86%
OCF(TTM)1.48
OCFY6.28%
SpS8.89
BVpS15.77
TBVpS15.52
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.09% | ||
| ROCE | 2.45% | ||
| ROIC | 0.89% | ||
| ROICexc | 0.9% | ||
| ROICexgc | 0.9% | ||
| OM | 17.36% | ||
| PM (TTM) | 12.58% | ||
| GM | 39.24% | ||
| FCFM | 15.55% |
ROA(3y)-0.51%
ROA(5y)-0.89%
ROE(3y)-2.02%
ROE(5y)-3.83%
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 | 87.99 | ||
| Debt/EBITDA | 67.65 | ||
| Cap/Depr | 38.91% | ||
| Cap/Sales | 1.12% | ||
| Interest Coverage | 0.31 | ||
| Cash Conversion | 82.41% | ||
| Profit Quality | 123.67% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.56 |
F-Score7
WACC5.2%
ROIC/WACC0.17
Cap/Depr(3y)111.6%
Cap/Depr(5y)147.95%
Cap/Sales(3y)6.08%
Cap/Sales(5y)39.8%
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-9.8%
EPS Next 2Y1.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)52.5%
Revenue growth 3Y86.34%
Revenue growth 5Y122.62%
Sales Q2Q%-57.59%
Revenue Next Year16.12%
Revenue Next 2Y12.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y329.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y665.36%
FCF growth 3YN/A
FCF growth 5Y2.58%
OCF growth 1Y852.6%
OCF growth 3Y13.46%
OCF growth 5Y3.88%
ADAMAS TRUST INC - ADAM 6 7/8 PERP / ADAML FAQ
Can you provide the ChartMill fundamental rating for ADAMAS TRUST INC - ADAM 6 7/8 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to ADAML.
What is the valuation status for ADAML stock?
ChartMill assigns a valuation rating of 2 / 10 to ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML). This can be considered as Overvalued.
How profitable is ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) stock?
ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) has a profitability rating of 4 / 10.
What is the financial health of ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) stock?
The financial health rating of ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) is 2 / 10.
What is the expected EPS growth for ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) stock?
The Earnings per Share (EPS) of ADAMAS TRUST INC - ADAM 6 7/8 PERP (ADAML) is expected to decline by -9.8% in the next year.