CLAROS MORTGAGE TRUST INC (CMTG) Stock Fundamental Analysis
NYSE:CMTG - New York Stock Exchange, Inc. - US18270D1063 - REIT - Currency: USD
Taking everything into account, CMTG scores 2 out of 10 in our fundamental rating. CMTG was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CMTG may be in some trouble as it scores bad on both profitability and health. 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.
In the past year CMTG had a positive cash flow from operations.
Of the past 5 years CMTG 4 years were profitable.
Each year in the past 5 years CMTG had a positive operating cash flow.
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 Return On Equity of -12.83%. This is amonst the worse of the industry: CMTG underperforms 82.09% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Gross Margin, with a value of 30.55%, CMTG is in line with its industry, outperforming 58.21% of the companies in the same industry.
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 Rank | Sector 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%
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
The number of shares outstanding for CMTG has been reduced compared to 5 years ago.
Compared to 1 year ago, CMTG has an improved debt to assets ratio.
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.
CMTG has a Altman-Z score of -0.84. This is in the lower half of the industry: CMTG underperforms 77.61% of its industry peers.
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.
CMTG has a Debt to FCF ratio (177.72) which is in line with its industry peers.
CMTG has a Debt/Equity ratio of 2.42. This is a high value indicating a heavy dependency on external financing.
CMTG has a better Debt to Equity ratio (2.42) than 77.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.42 | ||
| Debt/FCF | 177.72 | ||
| Altman-Z | -0.84 |
ROIC/WACCN/A
WACC7.34%
2.3 Liquidity
A Current Ratio of 0.03 indicates that CMTG may have some problems paying its short term obligations.
CMTG has a Current ratio of 0.03. This is amonst the worse of the industry: CMTG underperforms 86.57% of its industry peers.
A Quick Ratio of 0.03 indicates that CMTG may have some problems paying its short term obligations.
With a Quick ratio value of 0.03, CMTG is not doing good in the industry: 86.57% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
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%.
Looking at the last year, CMTG shows a very negative growth in Revenue. The Revenue has decreased by -16.81% in the last year.
CMTG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.08% yearly.
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
CMTG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.97% yearly.
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
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
The Price/Earnings Ratio is negative for CMTG. In the last year negative earnings were reported.
Also next year CMTG is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CMTG is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.59 | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.27%, CMTG has a reasonable but not impressive dividend return.
With a Dividend Yield of 3.27, CMTG pays less dividend than the industry average, which is at 11.75. 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 2.34, CMTG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
CMTG has been paying a dividend for less than 5 years, so it still needs to build a track record.
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-34.4%
EPS Next 2Y39.82%
EPS Next 3Y39.97%
NYSE:CMTG (7/24/2025, 11:19:04 AM)
3.31
-0.07 (-2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners62.93%
Inst Owner Change0.8%
Ins Owners2.4%
Ins Owner Change2.45%
Market Cap462.70M
Analysts49.09
Price Target3.32 (0.3%)
Short Float %2.97%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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)-9.3%
EPS NQ rev (1m)-122.79%
EPS NQ rev (3m)-73.33%
EPS NY rev (1m)-14.21%
EPS NY rev (3m)-185.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.72 | ||
| P/FCF | 17.59 | ||
| P/OCF | 16.98 | ||
| P/B | 0.24 | ||
| P/tB | 0.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.81
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)0.19
FCFY5.69%
OCF(TTM)0.19
OCFY5.89%
SpS4.63
BVpS13.84
TBVpS13.7
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.34%
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%