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CLAROS MORTGAGE TRUST INC (CMTG) Stock Fundamental Analysis

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

3.2  -0.18 (-5.33%)

After market: 3.2 0 (0%)

Fundamental Rating

2

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 has a bad profitability rating. Also its financial health evaluation is rather negative. CMTG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year CMTG has reported negative net income.
CMTG had a positive operating cash flow in the past year.
CMTG had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CMTG had a positive operating cash flow.
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

The Return On Assets of CMTG (-3.73%) is worse than 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 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

The Gross Margin of CMTG (30.55%) is comparable to the rest of the 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 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.
The number of shares outstanding for CMTG has been increased compared to 1 year ago.
Compared to 5 years ago, CMTG has less shares outstanding
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

CMTG has an Altman-Z score of -0.84. This is a bad value and indicates that CMTG is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of CMTG (-0.84) is worse than 77.61% of its industry peers.
The Debt to FCF ratio of CMTG is 177.72, which is on the high side as it means it would take CMTG, 177.72 years of fcf income to pay off 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.
The Debt to Equity ratio of CMTG (2.42) is better than 77.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.42
Debt/FCF 177.72
Altman-Z -0.84
ROIC/WACCN/A
WACC7.34%
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.
Looking at the Current ratio, with a value of 0.03, CMTG is doing worse than 86.57% of the companies in the same industry.
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 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

The earnings per share for CMTG have decreased strongly by -575.00% in the last year.
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

The Earnings Per Share is expected to grow by 39.97% 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 -3.49% yearly.
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.
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

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 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

CMTG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 17
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 3.27%.
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 RankSector Rank
Dividend Yield 3.27%

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

CMTG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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 (7/24/2025, 4:10:03 PM)

After market: 3.2 0 (0%)

3.2

-0.18 (-5.33%)

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)08-05 2025-08-05/amc
Inst Owners62.93%
Inst Owner Change0.8%
Ins Owners2.4%
Ins Owner Change2.45%
Market Cap447.33M
Analysts49.09
Price Target3.32 (3.75%)
Short Float %2.97%
Short Ratio3.74
Dividend
Industry RankSector 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 RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.69
P/FCF 17
P/OCF 16.42
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
FCFY5.88%
OCF(TTM)0.19
OCFY6.09%
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
WACC7.34%
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%