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CLAROS MORTGAGE TRUST INC (CMTG) Stock Fundamental Analysis

NYSE:CMTG - New York Stock Exchange, Inc. - US18270D1063 - REIT - Currency: USD

3.18  -0.02 (-0.62%)

After market: 3.18 0 (0%)

Fundamental Rating

2

CMTG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CMTG has a bad profitability rating. Also its financial health evaluation is rather negative. CMTG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

CMTG had negative earnings in the past year.
In the past year CMTG had a positive cash flow from operations.
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.
CMTG Yearly Net Income VS EBIT VS OCF VS FCFCMTG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

1.2 Ratios

CMTG's Return On Assets of -3.73% is on the low side compared to the rest of the industry. CMTG is outperformed by 88.06% of its industry peers.
CMTG has a worse Return On Equity (-12.83%) than 82.09% of its industry peers.
Industry RankSector Rank
ROA -3.73%
ROE -12.83%
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
CMTG Yearly ROA, ROE, ROICCMTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

CMTG has a Gross Margin (30.55%) which is in line with its industry peers.
In the last couple of years the Gross Margin of CMTG has declined.
The Profit Margin and Operating Margin are not available for CMTG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 30.55%
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%
CMTG Yearly Profit, Operating, Gross MarginsCMTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40

2

2. Health

2.1 Basic Checks

CMTG does not have a ROIC to compare to the WACC, probably because it is not profitable.
CMTG has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CMTG has been reduced compared to 5 years ago.
CMTG has a better debt/assets ratio than last year.
CMTG Yearly Shares OutstandingCMTG Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M
CMTG Yearly Total Debt VS Total AssetsCMTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

Based on the Altman-Z score of -0.84, we must say that CMTG is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.84, CMTG is doing worse than 77.61% of the companies in the same industry.
CMTG has a debt to FCF ratio of 177.72. This is a negative value and a sign of low solvency as CMTG would need 177.72 years to pay back of all of its debts.
With a Debt to FCF ratio value of 177.72, CMTG perfoms like the industry average, outperforming 40.30% of the companies in the same industry.
A Debt/Equity ratio of 2.42 is on the high side and indicates that CMTG has dependencies on debt financing.
CMTG has a Debt to Equity ratio of 2.42. This is in the better half of the industry: CMTG outperforms 77.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.42
Debt/FCF 177.72
Altman-Z -0.84
ROIC/WACCN/A
WACC7.3%
CMTG Yearly LT Debt VS Equity VS FCFCMTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

CMTG has a Current Ratio of 0.03. This is a bad value and indicates that CMTG is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of CMTG (0.03) is worse than 86.57% of its industry peers.
CMTG has a Quick Ratio of 0.03. This is a bad value and indicates that CMTG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.03, CMTG is doing worse than 86.57% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
CMTG Yearly Current Assets VS Current LiabilitesCMTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

3

3. Growth

3.1 Past

CMTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -575.00%.
CMTG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.81%.
Measured over the past years, CMTG shows a quite strong growth in Revenue. The Revenue has been growing by 12.08% on average per year.
EPS 1Y (TTM)-575%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-108.33%
Revenue 1Y (TTM)-16.81%
Revenue growth 3Y15.83%
Revenue growth 5Y12.08%
Sales Q2Q%-26.26%

3.2 Future

The Earnings Per Share is expected to grow by 39.97% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -3.49% on average over the next years.
EPS Next Y58.6%
EPS Next 2Y39.82%
EPS Next 3Y39.97%
EPS Next 5YN/A
Revenue Next Year-22.61%
Revenue Next 2Y-13.94%
Revenue Next 3Y-3.49%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CMTG Yearly Revenue VS EstimatesCMTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
CMTG Yearly EPS VS EstimatesCMTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1

1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CMTG. In the last year negative earnings were reported.
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 RankSector Rank
PE N/A
Fwd PE N/A
CMTG Price Earnings VS Forward Price EarningsCMTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CMTG.
Industry RankSector Rank
P/FCF 16.9
EV/EBITDA N/A
CMTG Per share dataCMTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

A more expensive valuation may be justified as CMTG's earnings are expected to grow with 39.97% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39.82%
EPS Next 3Y39.97%

2

5. Dividend

5.1 Amount

CMTG has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 3.14, CMTG pays less dividend than the industry average, which is at 11.19. 97.01% of the companies listed in the same industry pay a better dividend than CMTG!
Compared to an average S&P500 Dividend Yield of 2.31, CMTG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.14%

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
CMTG Yearly Dividends per shareCMTG Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.5 1

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-34.4%
EPS Next 2Y39.82%
EPS Next 3Y39.97%
CMTG Yearly Income VS Free CF VS DividendCMTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

CLAROS MORTGAGE TRUST INC

NYSE:CMTG (7/25/2025, 8:04:00 PM)

After market: 3.18 0 (0%)

3.18

-0.02 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners62.93%
Inst Owner Change0.8%
Ins Owners2.4%
Ins Owner Change2.45%
Market Cap444.53M
Analysts49.09
Price Target3.32 (4.4%)
Short Float %2.97%
Short Ratio3.74
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
Yearly Dividend0.87
Dividend Growth(5Y)N/A
DP-34.4%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-495.2%
Min EPS beat(2)-823.04%
Max EPS beat(2)-167.37%
EPS beat(4)1
Avg EPS beat(4)-311.14%
Min EPS beat(4)-823.04%
Max EPS beat(4)15.34%
EPS beat(8)1
Avg EPS beat(8)-211.68%
EPS beat(12)1
Avg EPS beat(12)-144.25%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.92%
Min Revenue beat(2)-0.97%
Max Revenue beat(2)6.81%
Revenue beat(4)3
Avg Revenue beat(4)8.56%
Min Revenue beat(4)-0.97%
Max Revenue beat(4)17.82%
Revenue beat(8)6
Avg Revenue beat(8)7.39%
Revenue beat(12)9
Avg Revenue beat(12)34.44%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)5.41%
PT rev (3m)8.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)22.2%
EPS NY rev (1m)-14.21%
EPS NY rev (3m)-185.51%
Revenue NQ rev (1m)1.14%
Revenue NQ rev (3m)7.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.46%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.69
P/FCF 16.9
P/OCF 16.32
P/B 0.23
P/tB 0.23
EV/EBITDA N/A
EPS(TTM)-0.81
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)0.19
FCFY5.92%
OCF(TTM)0.19
OCFY6.13%
SpS4.63
BVpS13.84
TBVpS13.7
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -3.73%
ROE -12.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 30.55%
FCFM 4.07%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 2.42
Debt/FCF 177.72
Debt/EBITDA N/A
Cap/Depr 11.2%
Cap/Sales 0.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z -0.84
F-Score3
WACC7.3%
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)-575%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-108.33%
EPS Next Y58.6%
EPS Next 2Y39.82%
EPS Next 3Y39.97%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.81%
Revenue growth 3Y15.83%
Revenue growth 5Y12.08%
Sales Q2Q%-26.26%
Revenue Next Year-22.61%
Revenue Next 2Y-13.94%
Revenue Next 3Y-3.49%
Revenue Next 5YN/A
EBIT growth 1Y-43.57%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.92%
FCF growth 3Y-26.98%
FCF growth 5Y-8.49%
OCF growth 1Y-74.75%
OCF growth 3Y-26.59%
OCF growth 5Y-8.19%