GRANITE POINT MORTGAGE TRUST (GPMT) Fundamental Analysis & Valuation

NYSE:GPMT • US38741L1070

Current stock price

1.4 USD
-0.07 (-4.76%)
At close:
1.47 USD
+0.07 (+5%)
After Hours:

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

1

1. GPMT Profitability Analysis

1.1 Basic Checks

  • In the past year GPMT has reported negative net income.
  • In the past year GPMT had a positive cash flow from operations.
  • GPMT had negative earnings in 4 of the past 5 years.
  • In the past 5 years GPMT always reported a positive cash flow from operatings.
GPMT Yearly Net Income VS EBIT VS OCF VS FCFGPMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M -100M -150M -200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -3.17%, GPMT is doing worse than 94.12% of the companies in the same industry.
  • With a Return On Equity value of -10.05%, GPMT is not doing good in the industry: 89.71% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -3.17%
ROE -10.05%
ROIC N/A
ROA(3y)-5.45%
ROA(5y)-3.25%
ROE(3y)-18.29%
ROE(5y)-10.76%
ROIC(3y)N/A
ROIC(5y)N/A
GPMT Yearly ROA, ROE, ROICGPMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10 -20 -30

1.3 Margins

  • GPMT's Gross Margin of 32.63% is in line compared to the rest of the industry. GPMT outperforms 45.59% of its industry peers.
  • GPMT's Gross Margin has declined in the last couple of years.
  • GPMT 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 32.63%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.55%
GM growth 5Y-4.93%
GPMT Yearly Profit, Operating, Gross MarginsGPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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3

2. GPMT Health Analysis

2.1 Basic Checks

  • GPMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GPMT has been reduced compared to 1 year ago.
  • GPMT has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GPMT has an improved debt to assets ratio.
GPMT Yearly Shares OutstandingGPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
GPMT Yearly Total Debt VS Total AssetsGPMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of -0.73, we must say that GPMT is in the distress zone and has some risk of bankruptcy.
  • GPMT has a Altman-Z score of -0.73. This is in the lower half of the industry: GPMT underperforms 75.00% of its industry peers.
  • GPMT has a Debt/Equity ratio of 2.12. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.12, GPMT belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Altman-Z -0.73
ROIC/WACCN/A
WACC6.16%
GPMT Yearly LT Debt VS Equity VS FCFGPMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • GPMT has a Current Ratio of 0.16. This is a bad value and indicates that GPMT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of GPMT (0.16) is comparable to the rest of the 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 RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
GPMT Yearly Current Assets VS Current LiabilitesGPMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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

4

3. GPMT Growth Analysis

3.1 Past

  • GPMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.90%, which is quite impressive.
  • GPMT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.45%.
  • The Revenue has been decreasing by -8.12% on average over the past years.
EPS 1Y (TTM)30.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%96.97%
Revenue 1Y (TTM)-25.45%
Revenue growth 3Y-11.57%
Revenue growth 5Y-8.12%
Sales Q2Q%-1.37%

3.2 Future

  • GPMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.98% yearly.
  • Based on estimates for the next years, GPMT will show a quite strong growth in Revenue. The Revenue will grow by 8.77% on average per year.
EPS Next Y36.61%
EPS Next 2Y33.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.06%
Revenue Next 2Y8.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GPMT Yearly Revenue VS EstimatesGPMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
GPMT Yearly EPS VS EstimatesGPMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 -2

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1

4. GPMT Valuation Analysis

4.1 Price/Earnings Ratio

  • GPMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year GPMT is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
GPMT Price Earnings VS Forward Price EarningsGPMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

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

4.3 Compensation for Growth

  • GPMT's earnings are expected to grow with 33.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.98%
EPS Next 3YN/A

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

4

5. GPMT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.61%, GPMT is a good candidate for dividend investing.
  • The stock price of GPMT dropped by -42.62% 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 13.42, GPMT has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, GPMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.61%

5.2 History

  • The dividend of GPMT decreases each year by -3.70%.
  • GPMT has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-3.7%
Div Incr Years0
Div Non Decr Years0
GPMT Yearly Dividends per shareGPMT Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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-44.59%
EPS Next 2Y33.98%
EPS Next 3YN/A
GPMT Yearly Income VS Free CF VS DividendGPMT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100M -200M

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GPMT Fundamentals: All Metrics, Ratios and Statistics

GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (3/27/2026, 8:22:32 PM)

After market: 1.47 +0.07 (+5%)

1.4

-0.07 (-4.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners48.67%
Inst Owner Change11.12%
Ins Owners6.79%
Ins Owner Change15.69%
Market Cap66.58M
Revenue(TTM)145.28M
Net Income(TTM)-55.55M
Analysts76
Price Target2.7 (92.86%)
Short Float %0.29%
Short Ratio0.62
Dividend
Industry RankSector Rank
Dividend Yield 13.61%
Yearly Dividend0.51
Dividend Growth(5Y)-3.7%
DP-44.59%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)32.92%
Min EPS beat(2)6.42%
Max EPS beat(2)59.43%
EPS beat(4)3
Avg EPS beat(4)18.04%
Min EPS beat(4)-17.15%
Max EPS beat(4)59.43%
EPS beat(8)6
Avg EPS beat(8)8.52%
EPS beat(12)7
Avg EPS beat(12)-17.15%
EPS beat(16)9
Avg EPS beat(16)-12.91%
Revenue beat(2)1
Avg Revenue beat(2)-12.52%
Min Revenue beat(2)-28.37%
Max Revenue beat(2)3.32%
Revenue beat(4)1
Avg Revenue beat(4)-11.91%
Min Revenue beat(4)-28.37%
Max Revenue beat(4)3.32%
Revenue beat(8)1
Avg Revenue beat(8)-19.39%
Revenue beat(12)4
Avg Revenue beat(12)-13.18%
Revenue beat(16)8
Avg Revenue beat(16)25.13%
PT rev (1m)-7.83%
PT rev (3m)-15.2%
EPS NQ rev (1m)-3.03%
EPS NQ rev (3m)-51.11%
EPS NY rev (1m)-80.98%
EPS NY rev (3m)-76.67%
Revenue NQ rev (1m)-7.25%
Revenue NQ rev (3m)-22.24%
Revenue NY rev (1m)-18.82%
Revenue NY rev (3m)-30.72%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.46
P/FCF N/A
P/OCF 24.97
P/B 0.12
P/tB 0.12
EV/EBITDA N/A
EPS(TTM)-1.99
EYN/A
EPS(NY)-1.26
Fwd EYN/A
FCF(TTM)-0.07
FCFYN/A
OCF(TTM)0.06
OCFY4.01%
SpS3.05
BVpS11.62
TBVpS11.62
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.17%
ROE -10.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 32.63%
FCFM N/A
ROA(3y)-5.45%
ROA(5y)-3.25%
ROE(3y)-18.29%
ROE(5y)-10.76%
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-6.55%
GM growth 5Y-4.93%
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 72.23%
Cap/Sales 3.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.16
Quick Ratio 0.16
Altman-Z -0.73
F-Score6
WACC6.16%
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)30.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%96.97%
EPS Next Y36.61%
EPS Next 2Y33.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-25.45%
Revenue growth 3Y-11.57%
Revenue growth 5Y-8.12%
Sales Q2Q%-1.37%
Revenue Next Year-12.06%
Revenue Next 2Y8.77%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y83.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-152.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-69.54%
OCF growth 3Y-64.36%
OCF growth 5Y-33.34%

GRANITE POINT MORTGAGE TRUST / GPMT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of GRANITE POINT MORTGAGE TRUST (GPMT) stock?

ChartMill assigns a fundamental rating of 2 / 10 to GPMT.


Can you provide the valuation status for GRANITE POINT MORTGAGE TRUST?

ChartMill assigns a valuation rating of 1 / 10 to GRANITE POINT MORTGAGE TRUST (GPMT). This can be considered as Overvalued.


What is the profitability of GPMT stock?

GRANITE POINT MORTGAGE TRUST (GPMT) has a profitability rating of 1 / 10.


How financially healthy is GRANITE POINT MORTGAGE TRUST?

The financial health rating of GRANITE POINT MORTGAGE TRUST (GPMT) is 3 / 10.