CLAROS MORTGAGE TRUST INC (CMTG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CMTG - US18270D1063 - REIT
2.92 USD
+0.07 (+2.46%)
2.92 USD
0 (0%)
CMTG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of CMTG have multiple concerns. CMTG is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- CMTG had negative earnings in the past year.
- CMTG had a negative operating cash flow in the past year.
- CMTG had positive earnings in 4 of the past 5 years.
- In the past 5 years CMTG always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of CMTG (-6.81%) is worse than 89.71% of its industry peers.
- The Return On Equity of CMTG (-21.19%) is worse than 91.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.81% | ||
| ROE | -21.19% | ||
| ROIC | N/A |
ROA(3y)-0.61%
ROA(5y)0.67%
ROE(3y)-2.18%
ROE(5y)1.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Gross Margin value of 30.87%, CMTG perfoms like the industry average, outperforming 57.35% of the companies in the same industry.
- CMTG's Gross Margin has declined in the last couple of years.
- CMTG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 30.87% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-15.15%
GM growth 5Y-10.32%
2. Health
2.1 Basic Checks
- CMTG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CMTG has more shares outstanding
- CMTG has less shares outstanding than it did 5 years ago.
- CMTG has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of -0.91, we must say that CMTG is in the distress zone and has some risk of bankruptcy.
- CMTG has a worse Altman-Z score (-0.91) than 80.88% of its industry peers.
- A Debt/Equity ratio of 2.08 is on the high side and indicates that CMTG has dependencies on debt financing.
- The Debt to Equity ratio of CMTG (2.08) is better than 80.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.91 |
ROIC/WACCN/A
WACC7.24%
2.3 Liquidity
- A Current Ratio of 0.10 indicates that CMTG may have some problems paying its short term obligations.
- CMTG has a worse Current ratio (0.10) than 64.71% of its industry peers.
- CMTG has a Quick Ratio of 0.10. This is a bad value and indicates that CMTG is not financially healthy enough and could expect problems in meeting its short term obligations.
- CMTG has a Quick ratio of 0.10. This is in the lower half of the industry: CMTG underperforms 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
- CMTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1135.29%.
- CMTG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.97%.
- The Revenue has been growing by 12.08% on average over the past years. This is quite good.
EPS 1Y (TTM)-1135.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.76%
Revenue 1Y (TTM)-24.97%
Revenue growth 3Y15.83%
Revenue growth 5Y12.08%
Sales Q2Q%-28.55%
3.2 Future
- The Earnings Per Share is expected to grow by 29.37% on average over the next years. This is a very strong growth
- CMTG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.87% yearly.
EPS Next Y-71.6%
EPS Next 2Y13%
EPS Next 3Y29.37%
EPS Next 5YN/A
Revenue Next Year-24.25%
Revenue Next 2Y-8.51%
Revenue Next 3Y-5.87%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- CMTG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CMTG. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CMTG's earnings are expected to grow with 29.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13%
EPS Next 3Y29.37%
5. Dividend
5.1 Amount
- CMTG has a Yearly Dividend Yield of 8.36%, which is a nice return.
- With a Dividend Yield of 8.36, CMTG pays less dividend than the industry average, which is at 11.01. 89.71% of the companies listed in the same industry pay a better dividend than CMTG!
- CMTG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.36% |
5.2 History
- CMTG has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- The earnings of CMTG are negative and hence is the payout ratio. CMTG will probably not be able to sustain this dividend level.
DP-3.83%
EPS Next 2Y13%
EPS Next 3Y29.37%
2.92
+0.07 (+2.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-17 2026-02-17/amc
Inst Owners52.28%
Inst Owner Change0.03%
Ins Owners2.25%
Ins Owner Change-0.58%
Market Cap409.44M
Revenue(TTM)544.46M
Net Income(TTM)-370.56M
Analysts49.09
Price Target3.4 (16.44%)
Short Float %2.56%
Short Ratio7.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.36% |
Yearly Dividend0.87
Dividend Growth(5Y)N/A
DP-3.83%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3201.21%
Min EPS beat(2)-6368.74%
Max EPS beat(2)-33.69%
EPS beat(4)0
Avg EPS beat(4)-1848.21%
Min EPS beat(4)-6368.74%
Max EPS beat(4)-33.69%
EPS beat(8)1
Avg EPS beat(8)-976.5%
EPS beat(12)1
Avg EPS beat(12)-676.77%
EPS beat(16)1
Avg EPS beat(16)-510.38%
Revenue beat(2)1
Avg Revenue beat(2)-2.41%
Min Revenue beat(2)-8.43%
Max Revenue beat(2)3.62%
Revenue beat(4)2
Avg Revenue beat(4)0.26%
Min Revenue beat(4)-8.43%
Max Revenue beat(4)6.81%
Revenue beat(8)5
Avg Revenue beat(8)3.56%
Revenue beat(12)8
Avg Revenue beat(12)15.71%
Revenue beat(16)12
Avg Revenue beat(16)34.43%
PT rev (1m)0%
PT rev (3m)-4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-108.59%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.33%
Revenue NQ rev (1m)-1.29%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)-0.66%
Revenue NY rev (3m)-3.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.23 | ||
| P/tB | 0.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.76
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)-0.12
FCFYN/A
OCF(TTM)-0.1
OCFYN/A
SpS3.88
BVpS12.47
TBVpS12.47
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.81% | ||
| ROE | -21.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 30.87% | ||
| FCFM | N/A |
ROA(3y)-0.61%
ROA(5y)0.67%
ROE(3y)-2.18%
ROE(5y)1.67%
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-15.15%
GM growth 5Y-10.32%
F-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.08 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 27.51% | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | -0.91 |
F-Score3
WACC7.24%
ROIC/WACCN/A
Cap/Depr(3y)21.38%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.29%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1135.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.76%
EPS Next Y-71.6%
EPS Next 2Y13%
EPS Next 3Y29.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-24.97%
Revenue growth 3Y15.83%
Revenue growth 5Y12.08%
Sales Q2Q%-28.55%
Revenue Next Year-24.25%
Revenue Next 2Y-8.51%
Revenue Next 3Y-5.87%
Revenue Next 5YN/A
EBIT growth 1Y-266.68%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year231.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-116.33%
FCF growth 3Y-26.98%
FCF growth 5Y-8.49%
OCF growth 1Y-114%
OCF growth 3Y-26.59%
OCF growth 5Y-8.19%
CLAROS MORTGAGE TRUST INC / CMTG FAQ
Can you provide the ChartMill fundamental rating for CLAROS MORTGAGE TRUST INC?
ChartMill assigns a fundamental rating of 2 / 10 to CMTG.
What is the valuation status for CMTG stock?
ChartMill assigns a valuation rating of 1 / 10 to CLAROS MORTGAGE TRUST INC (CMTG). This can be considered as Overvalued.
How profitable is CLAROS MORTGAGE TRUST INC (CMTG) stock?
CLAROS MORTGAGE TRUST INC (CMTG) has a profitability rating of 2 / 10.
How financially healthy is CLAROS MORTGAGE TRUST INC?
The financial health rating of CLAROS MORTGAGE TRUST INC (CMTG) is 2 / 10.