GPMT Fundamental Analysis - GRANITE POINT MORTGAGE TRUST

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to GPMT. GPMT was compared to 66 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 is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year GPMT has reported negative net income.

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

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

GPMT had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -7.60%, GPMT is doing worse than 89.39% of the companies in the same industry.

Looking at the Return On Equity, with a value of -25.53%, GPMT is doing worse than 89.39% of the companies in the same industry.

		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

Looking at the Gross Margin, with a value of 23.99%, GPMT is in line with its industry, outperforming 50.00% of the companies in the same industry.

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 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

The debt/assets ratio for GPMT is higher compared to a year ago.

2.2 Solvency

GPMT has an Altman-Z score of -0.77. This is a bad value and indicates that GPMT is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of GPMT (-0.77) is worse than 75.76% of its industry peers.

A Debt/Equity ratio of 2.31 is on the high side and indicates that GPMT has dependencies on debt financing.

The Debt to Equity ratio of GPMT (2.31) is better than 78.79% of its industry peers.

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

ROIC/WACCN/A

WACC7.4%

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.

GPMT has a Current ratio of 0.16. This is comparable to the rest of the industry: GPMT outperforms 45.45% of its industry peers.

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 in line with its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.16
Quick Ratio	0.16

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for GPMT have decreased strongly by -582.35% in the last year.

Looking at the last year, GPMT shows a very negative growth in Revenue. The Revenue has decreased by -30.22% in the last year.

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

EPS 1Y (TTM)-582.35%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-2000%

Revenue 1Y (TTM)-30.22%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-35.8%

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.

Based on estimates for the next years, GPMT will show a quite strong growth in Revenue. The Revenue will grow by 16.36% on average per year.

EPS Next Y14.76%

EPS Next 2Y35.34%

EPS Next 3Y28.61%

EPS Next 5YN/A

Revenue Next Year-3.96%

Revenue Next 2Y12.21%

Revenue Next 3Y16.36%

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.

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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

A more expensive valuation may be justified as GPMT's earnings are expected to grow with 28.61% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y35.34%

EPS Next 3Y28.61%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.81%, GPMT is a good candidate for dividend investing.

With a Dividend Yield of 7.81, GPMT pays less dividend than the industry average, which is at 11.56. 84.85% 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 2.34.

		Industry Rank	Sector Rank
Dividend Yield	7.81%

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%

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GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (7/18/2025, 2:03:59 PM)

2.49

-0.01 (-0.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryMortgage Real Estate Investment Trusts (REITs)"

Earnings (Last)05-06 2025-05-06/amc

Earnings (Next)08-04 2025-08-04/amc

Inst Owners52.4%

Inst Owner Change0%

Ins Owners6.11%

Ins Owner Change22.38%

Market Cap120.54M

Analysts77.78

Price Target2.81 (12.85%)

Short Float %0.78%

Short Ratio0.56

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.81%

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)0%

PT rev (3m)-19.51%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-9.68%

EPS NY rev (1m)-1.83%

EPS NY rev (3m)2.27%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.91%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.05%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.68
P/FCF	N/A
P/OCF	86.41
P/B	0.2
P/tB	0.2
EV/EBITDA	N/A

EPS(TTM)-3.48

EYN/A

EPS(NY)-0.48

Fwd EYN/A

FCF(TTM)-0.07

FCFYN/A

OCF(TTM)0.03

OCFY1.16%

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

WACC7.4%

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)-582.35%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-2000%

EPS Next Y14.76%

EPS Next 2Y35.34%

EPS Next 3Y28.61%

EPS Next 5YN/A

Revenue 1Y (TTM)-30.22%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-35.8%

Revenue Next Year-3.96%

Revenue Next 2Y12.21%

Revenue Next 3Y16.36%

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