CLAROS MORTGAGE TRUST INC (CMTG) Fundamental Analysis & Valuation

NYSE:CMTG • US18270D1063

2.62 USD
-0.16 (-5.76%)
At close: Mar 6, 2026
2.62 USD
0 (0%)
After Hours: 3/6/2026, 8:09:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CMTG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

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. 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

1

1. CMTG Profitability Analysis

1.1 Basic Checks

  • CMTG had negative earnings in the past year.
  • In the past year CMTG has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CMTG reported negative net income in multiple years.
  • CMTG had a positive operating cash flow in 4 of the past 5 years.
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 2025 0 200M -200M -400M

1.2 Ratios

  • The Return On Assets of CMTG (-10.36%) is worse than 98.53% of its industry peers.
  • CMTG has a Return On Equity of -31.93%. This is amonst the worse of the industry: CMTG underperforms 98.53% of its industry peers.
Industry RankSector Rank
ROA -10.36%
ROE -31.93%
ROIC N/A
ROA(3y)-4.51%
ROA(5y)-1.98%
ROE(3y)-14.31%
ROE(5y)-6.37%
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 2025 0 -10 -20 -30

1.3 Margins

  • CMTG has a Gross Margin of 31.60%. This is comparable to the rest of the industry: CMTG outperforms 57.35% of its industry peers.
  • In the last couple of years the Gross Margin of CMTG has declined.
  • CMTG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 31.6%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.74%
GM growth 5Y-9.1%
CMTG Yearly Profit, Operating, Gross MarginsCMTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CMTG Health Analysis

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 about the same amout of shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CMTG has an improved debt to assets ratio.
CMTG Yearly Shares OutstandingCMTG Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of -1.19, we must say that CMTG is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -1.19, CMTG is not doing good in the industry: 97.06% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 2.05 is on the high side and indicates that CMTG has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.05, CMTG belongs to the top of the industry, outperforming 85.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Altman-Z -1.19
ROIC/WACCN/A
WACC6.97%
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 2025 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • CMTG has a Current Ratio of 0.06. 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 Current ratio of 0.06. This is in the lower half of the industry: CMTG underperforms 63.24% of its industry peers.
  • CMTG has a Quick Ratio of 0.06. 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 0.06. This is in the lower half of the industry: CMTG underperforms 63.24% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
CMTG Yearly Current Assets VS Current LiabilitesCMTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CMTG Growth Analysis

3.1 Past

  • The earnings per share for CMTG have decreased strongly by -176.47% in the last year.
  • The Revenue for CMTG has decreased by -28.45% in the past year. This is quite bad
  • Measured over the past years, CMTG shows a small growth in Revenue. The Revenue has been growing by 2.02% on average per year.
EPS 1Y (TTM)-176.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20.34%
Revenue 1Y (TTM)-28.45%
Revenue growth 3Y-4.41%
Revenue growth 5Y2.02%
Sales Q2Q%-22.38%

3.2 Future

  • Based on estimates for the next years, CMTG will show a very strong growth in Earnings Per Share. The EPS will grow by 43.52% on average per year.
  • The Revenue is expected to grow by 5.11% on average over the next years.
EPS Next Y73.74%
EPS Next 2Y43.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.46%
Revenue Next 2Y5.11%
Revenue Next 3YN/A
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 accelerating.
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 1 -1

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1

4. CMTG Valuation Analysis

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 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CMTG Per share dataCMTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CMTG's earnings are expected to grow with 43.52% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.52%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. CMTG Dividend Analysis

5.1 Amount

  • CMTG has a Yearly Dividend Yield of 8.36%, which is a nice return.
  • The stock price of CMTG dropped by -24.28% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 11.15, CMTG's dividend is way lower than its industry peers. On top of this 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 1.82.
Industry RankSector 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
CMTG Yearly Dividends per shareCMTG Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.5 1

5.3 Sustainability

DP0%
EPS Next 2Y43.52%
EPS Next 3YN/A
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 2025 0 200M -200M -400M

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Find the best dividend stocksShow peers with best dividend

CMTG Fundamentals: All Metrics, Ratios and Statistics

CLAROS MORTGAGE TRUST INC

NYSE:CMTG (3/6/2026, 8:09:05 PM)

After market: 2.62 0 (0%)

2.62

-0.16 (-5.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)05-05
Inst Owners52.28%
Inst Owner Change-0.82%
Ins Owners2.25%
Ins Owner Change0%
Market Cap367.38M
Revenue(TTM)492.82M
Net Income(TTM)-489.07M
Analysts49.09
Price Target3.14 (19.85%)
Short Float %2.82%
Short Ratio7.11
Dividend
Industry RankSector Rank
Dividend Yield 8.36%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-241.6%
Min EPS beat(2)-449.52%
Max EPS beat(2)-33.69%
EPS beat(4)0
Avg EPS beat(4)-1754.83%
Min EPS beat(4)-6368.74%
Max EPS beat(4)-33.69%
EPS beat(8)1
Avg EPS beat(8)-1031.77%
EPS beat(12)1
Avg EPS beat(12)-713.96%
EPS beat(16)1
Avg EPS beat(16)-538.31%
Revenue beat(2)0
Avg Revenue beat(2)-4.41%
Min Revenue beat(2)-8.43%
Max Revenue beat(2)-0.39%
Revenue beat(4)1
Avg Revenue beat(4)-1.54%
Min Revenue beat(4)-8.43%
Max Revenue beat(4)3.62%
Revenue beat(8)4
Avg Revenue beat(8)2.8%
Revenue beat(12)7
Avg Revenue beat(12)3.24%
Revenue beat(16)11
Avg Revenue beat(16)28.32%
PT rev (1m)-7.5%
PT rev (3m)-11.91%
EPS NQ rev (1m)-1.15%
EPS NQ rev (3m)-1.15%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)-536.84%
Revenue NQ rev (1m)-14.08%
Revenue NQ rev (3m)-16.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.23%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.75
P/FCF N/A
P/OCF N/A
P/B 0.24
P/tB 0.24
EV/EBITDA N/A
EPS(TTM)-1.88
EYN/A
EPS(NY)-0.49
Fwd EYN/A
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.51
BVpS10.92
TBVpS10.92
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -10.36%
ROE -31.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 31.6%
FCFM N/A
ROA(3y)-4.51%
ROA(5y)-1.98%
ROE(3y)-14.31%
ROE(5y)-6.37%
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-13.74%
GM growth 5Y-9.1%
F-Score4
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 25.31%
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -1.19
F-Score4
WACC6.97%
ROIC/WACCN/A
Cap/Depr(3y)20.24%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.34%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-176.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20.34%
EPS Next Y73.74%
EPS Next 2Y43.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-28.45%
Revenue growth 3Y-4.41%
Revenue growth 5Y2.02%
Sales Q2Q%-22.38%
Revenue Next Year10.46%
Revenue Next 2Y5.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-313.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year61.07%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-139.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-136.04%
OCF growth 3YN/A
OCF growth 5YN/A

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 1 / 10.


How financially healthy is CLAROS MORTGAGE TRUST INC?

The financial health rating of CLAROS MORTGAGE TRUST INC (CMTG) is 1 / 10.