GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GPMT - US38741L1070 - REIT
2.77 USD
+0.02 (+0.73%)
We assign a fundamental rating of 2 out of 10 to GPMT. GPMT was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. GPMT may be in some trouble as it scores bad on both profitability and health. GPMT has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
GPMT had negative earnings in the past year.
GPMT had a negative operating cash flow in the past year.
In the past 5 years GPMT reported 4 times negative net income.
In the past 5 years GPMT always reported a positive cash flow from operatings.
1.2 Ratios
GPMT has a Return On Assets of -3.91%. This is amonst the worse of the industry: GPMT underperforms 82.61% of its industry peers.
GPMT has a worse Return On Equity (-12.13%) than 79.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.91% | ||
| ROE | -12.13% | ||
| 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 30.75% is in line compared to the rest of the industry. GPMT outperforms 55.07% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 30.75% |
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%
2. Health
2.1 Basic Checks
GPMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GPMT has less shares outstanding
The number of shares outstanding for GPMT has been reduced compared to 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 -0.69. 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 (-0.69) than 73.91% of its industry peers.
GPMT has a Debt/Equity ratio of 2.05. This is a high value indicating a heavy dependency on external financing.
GPMT has a better Debt to Equity ratio (2.05) than 81.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.69 |
ROIC/WACCN/A
WACC7.41%
2.3 Liquidity
GPMT has a Current Ratio of 0.15. 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 0.15. This is comparable to the rest of the industry: GPMT outperforms 46.38% of its industry peers.
A Quick Ratio of 0.15 indicates that GPMT may have some problems paying its short term obligations.
With a Quick ratio value of 0.15, GPMT perfoms like the industry average, outperforming 46.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The earnings per share for GPMT have decreased strongly by -175.35% in the last year.
Looking at the last year, GPMT shows a very negative growth in Revenue. The Revenue has decreased by -28.02% 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)-175.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44%
Revenue 1Y (TTM)-28.02%
Revenue growth 3Y-0.58%
Revenue growth 5Y-4.67%
Sales Q2Q%34.45%
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 27.39% on average per year.
GPMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.03% yearly.
EPS Next Y19.49%
EPS Next 2Y33.76%
EPS Next 3Y27.39%
EPS Next 5YN/A
Revenue Next Year-1.03%
Revenue Next 2Y13.01%
Revenue Next 3Y13.03%
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.
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 27.39% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.76%
EPS Next 3Y27.39%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.33%, GPMT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 13.00, GPMT's dividend is way lower than its industry peers. On top of this 92.75% 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.33% |
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
GPMT has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-35.28%
EPS Next 2Y33.76%
EPS Next 3Y27.39%
NYSE:GPMT (12/5/2025, 11:50:48 AM)
2.77
+0.02 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners45.28%
Inst Owner Change-4.69%
Ins Owners6.66%
Ins Owner Change6.55%
Market Cap131.33M
Revenue(TTM)155.14M
Net Income(TTM)-70.58M
Analysts77.78
Price Target3.19 (15.16%)
Short Float %0.38%
Short Ratio0.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.33% |
Yearly Dividend0.77
Dividend Growth(5Y)-15.12%
DP-35.28%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.37%
Min EPS beat(2)-17.15%
Max EPS beat(2)6.42%
EPS beat(4)2
Avg EPS beat(4)-8.87%
Min EPS beat(4)-48.18%
Max EPS beat(4)23.45%
EPS beat(8)5
Avg EPS beat(8)-8.38%
EPS beat(12)7
Avg EPS beat(12)-21.61%
EPS beat(16)9
Avg EPS beat(16)-16.61%
Revenue beat(2)1
Avg Revenue beat(2)-4.13%
Min Revenue beat(2)-11.57%
Max Revenue beat(2)3.32%
Revenue beat(4)1
Avg Revenue beat(4)-10.71%
Min Revenue beat(4)-23.56%
Max Revenue beat(4)3.32%
Revenue beat(8)1
Avg Revenue beat(8)-17.54%
Revenue beat(12)5
Avg Revenue beat(12)6.75%
Revenue beat(16)9
Avg Revenue beat(16)36.96%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)43.24%
EPS NQ rev (3m)42.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.25%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)4.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.85 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.23 | ||
| P/tB | 0.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.91
EYN/A
EPS(NY)-0.61
Fwd EYN/A
FCF(TTM)-0.12
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS3.27
BVpS12.28
TBVpS12.28
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.91% | ||
| ROE | -12.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 30.75% | ||
| 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
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-20.83%
GM growth 5Y-9.66%
F-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.05 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 66.76% | ||
| Cap/Sales | 3.34% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 | ||
| Altman-Z | -0.69 |
F-Score4
WACC7.41%
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)-175.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44%
EPS Next Y19.49%
EPS Next 2Y33.76%
EPS Next 3Y27.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-28.02%
Revenue growth 3Y-0.58%
Revenue growth 5Y-4.67%
Sales Q2Q%34.45%
Revenue Next Year-1.03%
Revenue Next 2Y13.01%
Revenue Next 3Y13.03%
Revenue Next 5YN/A
EBIT growth 1Y68.85%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-109.27%
FCF growth 3Y-53.69%
FCF growth 5Y-37.77%
OCF growth 1Y-100.7%
OCF growth 3Y-47.44%
OCF growth 5Y-32.86%
GRANITE POINT MORTGAGE TRUST / GPMT FAQ
What is the ChartMill fundamental rating of GRANITE POINT MORTGAGE TRUST (GPMT) stock?
ChartMill assigns a fundamental rating of 2 / 10 to GPMT.
What is the valuation status for GPMT stock?
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.
Can you provide the expected EPS growth for GPMT stock?
The Earnings per Share (EPS) of GRANITE POINT MORTGAGE TRUST (GPMT) is expected to grow by 19.49% in the next year.
Is the dividend of GRANITE POINT MORTGAGE TRUST sustainable?
The dividend rating of GRANITE POINT MORTGAGE TRUST (GPMT) is 3 / 10 and the dividend payout ratio is -35.28%.