GRANITE POINT MORTGAGE TRUST (GPMT) Fundamental Analysis & Valuation

NYSE:GPMT • US38741L1070

Current stock price

1.45 USD
-0.05 (-3.33%)
At close:
1.45 USD
0 (0%)
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.
  • In the past 5 years GPMT reported 4 times negative net income.
  • Each year in the past 5 years GPMT had a positive operating cash flow.
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

  • With a Return On Assets value of -3.17%, GPMT is not doing good in the industry: 94.12% of the companies in the same industry are doing better.
  • GPMT has a worse Return On Equity (-10.05%) than 88.24% of its industry peers.
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

  • Looking at the Gross Margin, with a value of 32.63%, GPMT is in line with its industry, outperforming 47.06% of the companies in the same industry.
  • In the last couple of years the Gross Margin of GPMT has declined.
  • The Profit Margin and Operating Margin are not available for GPMT so they could not be analyzed.
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.
  • GPMT has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GPMT has been reduced compared to 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

  • GPMT has an Altman-Z score of -0.73. This is a bad value and indicates that GPMT is not financially healthy and even has some risk of bankruptcy.
  • GPMT has a worse Altman-Z score (-0.73) than 75.00% of its industry peers.
  • A Debt/Equity ratio of 2.12 is on the high side and indicates that GPMT has dependencies on debt financing.
  • GPMT's Debt to Equity ratio of 2.12 is amongst the best of the industry. GPMT outperforms 82.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Altman-Z -0.73
ROIC/WACCN/A
WACC6.18%
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.
  • GPMT has a Current ratio (0.16) which 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.
  • The Quick ratio of GPMT (0.16) 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

3

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.
  • The Revenue for GPMT has decreased by -25.45% in the past year. This is quite bad
  • GPMT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.12% yearly.
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

  • Based on estimates for the next years, GPMT will show a very strong growth in Earnings Per Share. The EPS will grow by 32.53% on average per year.
  • The Revenue is expected to grow by 1.06% on average over the next years.
EPS Next Y36.61%
EPS Next 2Y32.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.99%
Revenue Next 2Y1.06%
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.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for GPMT. No positive earnings are expected for the next year.
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

  • A more expensive valuation may be justified as GPMT's earnings are expected to grow with 32.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.53%
EPS Next 3YN/A

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5

5. GPMT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.16%, GPMT is a good candidate for dividend investing.
  • In the last 3 months the price of GPMT has falen by -31.92%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • GPMT's Dividend Yield is a higher than the industry average which is at 12.55.
  • GPMT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 13.16%

5.2 History

  • The dividend of GPMT decreases each year by -3.70%.
  • GPMT has been paying a dividend for at least 10 years, so it has a reliable 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 2026 0.5 1 1.5

5.3 Sustainability

  • GPMT has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-44.59%
EPS Next 2Y32.53%
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 (5/1/2026, 6:40:00 PM)

After market: 1.45 0 (0%)

1.45

-0.05 (-3.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Industry Strength40.99
Industry Growth80.12
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners48.5%
Inst Owner Change-0.58%
Ins Owners7.22%
Ins Owner Change15.28%
Market Cap68.96M
Revenue(TTM)145.28M
Net Income(TTM)-55.55M
Analysts76
Price Target2.5 (72.41%)
Short Float %0.59%
Short Ratio1.36
Dividend
Industry RankSector Rank
Dividend Yield 13.16%
Yearly Dividend0.51
Dividend Growth(5Y)-3.7%
DP-44.59%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-01
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)-7.55%
PT rev (3m)-18.33%
EPS NQ rev (1m)50%
EPS NQ rev (3m)16.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-80.98%
Revenue NQ rev (1m)2.82%
Revenue NQ rev (3m)-20.44%
Revenue NY rev (1m)6.91%
Revenue NY rev (3m)-22.62%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.47
P/FCF N/A
P/OCF 25.86
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
OCFY3.87%
SpS3.05
BVpS11.62
TBVpS11.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
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
WACC6.18%
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 2Y32.53%
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-5.99%
Revenue Next 2Y1.06%
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.


How profitable is GRANITE POINT MORTGAGE TRUST (GPMT) stock?

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


What is the expected EPS growth for GRANITE POINT MORTGAGE TRUST (GPMT) stock?

The Earnings per Share (EPS) of GRANITE POINT MORTGAGE TRUST (GPMT) is expected to grow by 36.61% in the next year.


Is the dividend of GRANITE POINT MORTGAGE TRUST sustainable?

The dividend rating of GRANITE POINT MORTGAGE TRUST (GPMT) is 5 / 10 and the dividend payout ratio is -44.59%.