GPMT Fundamental Analysis - GRANITE POINT MORTGAGE TRUST

Fundamental Rating

Taking everything into account, GPMT scores 2 out of 10 in our fundamental rating. GPMT was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. GPMT has a bad profitability rating. Also its financial health evaluation is rather negative. GPMT has a expensive valuation and it also scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

GPMT had negative earnings in the past year.

GPMT had a positive operating cash flow in the past year.

GPMT had negative earnings in 4 of the past 5 years.

Each year in the past 5 years GPMT had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of -7.60%, GPMT is not doing good in the industry: 89.55% of the companies in the same industry are doing better.

GPMT has a worse Return On Equity (-25.53%) than 98.51% of its industry peers.

		Industry Rank	Sector Rank
ROA	-7.6%
ROE	-25.53%
ROIC	N/A

ROA(3y)-4.93%

ROA(5y)-2.81%

ROE(3y)-16.81%

ROE(5y)-9.62%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

GPMT's Gross Margin of 23.99% is in line compared to the rest of the industry. GPMT outperforms 53.73% of its industry peers.

In the last couple of years the Gross Margin of GPMT has declined.

GPMT 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	23.99%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-20.83%

GM growth 5Y-9.66%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

GPMT does not have a ROIC to compare to the WACC, probably because it is not profitable.

GPMT has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, GPMT has less shares outstanding

Compared to 1 year ago, GPMT has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -0.77, we must say that GPMT is in the distress zone and has some risk of bankruptcy.

With a Altman-Z score value of -0.77, GPMT is not doing good in the industry: 76.12% of the companies in the same industry are doing better.

GPMT has a Debt/Equity ratio of 2.31. This is a high value indicating a heavy dependency on external financing.

GPMT has a Debt to Equity ratio of 2.31. This is in the better half of the industry: GPMT outperforms 77.61% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.31
Debt/FCF	N/A
Altman-Z	-0.77

ROIC/WACCN/A

WACC7.45%

2.3 Liquidity

A Current Ratio of 0.16 indicates that GPMT may have some problems paying its short term obligations.

With a Current ratio value of 0.16, GPMT perfoms like the industry average, outperforming 50.75% of the companies in the same industry.

A Quick Ratio of 0.16 indicates that GPMT may have some problems paying its short term obligations.

GPMT has a Quick ratio (0.16) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	0.16
Quick Ratio	0.16

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

GPMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -423.46%.

GPMT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.87%.

GPMT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.67% yearly.

EPS 1Y (TTM)-423.46%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-422.22%

Revenue 1Y (TTM)-26.87%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-1.06%

3.2 Future

Based on estimates for the next years, GPMT will show a very strong growth in Earnings Per Share. The EPS will grow by 28.61% on average per year.

GPMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.17% yearly.

EPS Next Y14.76%

EPS Next 2Y35.34%

EPS Next 3Y28.61%

EPS Next 5YN/A

Revenue Next Year-2.55%

Revenue Next 2Y12.56%

Revenue Next 3Y16.17%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GPMT. In the last year negative earnings were reported.

Also next year GPMT 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

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

GPMT's earnings are expected to grow with 28.61% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y35.34%

EPS Next 3Y28.61%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

GPMT has a Yearly Dividend Yield of 7.04%, which is a nice return.

Compared to an average industry Dividend Yield of 10.66, GPMT's dividend is way lower than its industry peers. On top of this 80.60% of the companies listed in the same industry pay a better dividend than GPMT!

GPMT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	7.04%

5.2 History

The dividend of GPMT decreases each year by -15.12%.

GPMT has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-15.12%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The earnings of GPMT are negative and hence is the payout ratio. GPMT will probably not be able to sustain this dividend level.

DP-19.76%

EPS Next 2Y35.34%

EPS Next 3Y28.61%

More info and screens

Find the best dividend stocks

Show peers with best dividend

GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (8/15/2025, 8:25:52 PM)

After market: 2.81 +0.05 (+1.81%)

2.76

-0.08 (-2.82%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryMortgage Real Estate Investment Trusts (REITs)"

Earnings (Last)08-05 2025-08-05/amc

Earnings (Next)11-04 2025-11-04/amc

Inst Owners52.27%

Inst Owner Change-10.38%

Ins Owners6.5%

Ins Owner Change21.04%

Market Cap133.61M

Analysts77.78

Price Target3.06 (10.87%)

Short Float %0.46%

Short Ratio0.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.04%

Yearly Dividend0.77

Dividend Growth(5Y)-15.12%

DP-19.76%

Div Incr Years0

Div Non Decr Years0

Ex-Date07-01 2025-07-01 (0.05)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-12.37%

Min EPS beat(2)-48.18%

Max EPS beat(2)23.45%

EPS beat(4)3

Avg EPS beat(4)0.46%

Min EPS beat(4)-48.18%

Max EPS beat(4)23.45%

EPS beat(8)4

Avg EPS beat(8)-35.02%

EPS beat(12)6

Avg EPS beat(12)-22.51%

EPS beat(16)8

Avg EPS beat(16)-17.59%

Revenue beat(2)0

Avg Revenue beat(2)-17.29%

Min Revenue beat(2)-23.56%

Max Revenue beat(2)-11.03%

Revenue beat(4)0

Avg Revenue beat(4)-24.74%

Min Revenue beat(4)-35.23%

Max Revenue beat(4)-11.03%

Revenue beat(8)2

Avg Revenue beat(8)-16.17%

Revenue beat(12)6

Avg Revenue beat(12)27.73%

Revenue beat(16)10

Avg Revenue beat(16)49.35%

PT rev (1m)9.09%

PT rev (3m)26.32%

EPS NQ rev (1m)7.45%

EPS NQ rev (3m)-1.51%

EPS NY rev (1m)0%

EPS NY rev (3m)2.76%

Revenue NQ rev (1m)2.13%

Revenue NQ rev (3m)3.06%

Revenue NY rev (1m)1.47%

Revenue NY rev (3m)9.27%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.75
P/FCF	N/A
P/OCF	95.78
P/B	0.22
P/tB	0.22
EV/EBITDA	N/A

EPS(TTM)-4.24

EYN/A

EPS(NY)-0.48

Fwd EYN/A

FCF(TTM)-0.07

FCFYN/A

OCF(TTM)0.03

OCFY1.04%

SpS3.68

BVpS12.49

TBVpS12.49

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-7.6%
ROE	-25.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	23.99%
FCFM	N/A

ROA(3y)-4.93%

ROA(5y)-2.81%

ROE(3y)-16.81%

ROE(5y)-9.62%

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-20.83%

GM growth 5Y-9.66%

F-Score4

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	2.31
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.16
Quick Ratio	0.16
Altman-Z	-0.77

F-Score4

WACC7.45%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-423.46%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-422.22%

EPS Next Y14.76%

EPS Next 2Y35.34%

EPS Next 3Y28.61%

EPS Next 5YN/A

Revenue 1Y (TTM)-26.87%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-1.06%

Revenue Next Year-2.55%

Revenue Next 2Y12.56%

Revenue Next 3Y16.17%

Revenue Next 5YN/A

EBIT growth 1Y-34.51%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-105.81%

FCF growth 3Y-53.69%

FCF growth 5Y-37.77%

OCF growth 1Y-97.51%

OCF growth 3Y-47.44%

OCF growth 5Y-32.86%

GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens