GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis

NYSE:GPMT • US38741L1070

1.72 USD
-0.01 (-0.58%)
At close: Feb 20, 2026
1.72 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

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 has a bad profitability rating. Also its financial health evaluation is rather negative. GPMT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year GPMT has reported negative net income.
  • GPMT had a negative operating cash flow in the past year.
  • In the past 5 years GPMT reported 4 times negative net income.
  • Of the past 5 years GPMT 4 years 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 0 50M -50M -100M -150M -200M

1.2 Ratios

  • GPMT has a Return On Assets of -3.91%. This is amonst the worse of the industry: GPMT underperforms 84.06% of its industry peers.
  • The Return On Equity of GPMT (-12.13%) is worse than 81.16% of its industry peers.
Industry RankSector 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
GPMT Yearly ROA, ROE, ROICGPMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20 -30

1.3 Margins

  • Looking at the Gross Margin, with a value of 30.75%, GPMT is in line with its industry, outperforming 52.17% 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 RankSector 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%
GPMT Yearly Profit, Operating, Gross MarginsGPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • GPMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for GPMT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GPMT Yearly Shares OutstandingGPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

2.2 Solvency

  • GPMT has an Altman-Z score of -0.72. 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 (-0.72) is worse than 75.36% of its industry peers.
  • A Debt/Equity ratio of 2.05 is on the high side and indicates that GPMT has dependencies on debt financing.
  • GPMT's Debt to Equity ratio of 2.05 is amongst the best of the industry. GPMT outperforms 85.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Altman-Z -0.72
ROIC/WACCN/A
WACC7.19%
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 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • A Current Ratio of 0.15 indicates that GPMT may have some problems paying its short term obligations.
  • With a Current ratio value of 0.15, GPMT perfoms like the industry average, outperforming 47.83% of the companies in the same industry.
  • GPMT has a Quick 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.
  • With a Quick ratio value of 0.15, GPMT perfoms like the industry average, outperforming 47.83% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
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 500M 1B 1.5B

More info and screens

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.90% over the past year.
EPS 1Y (TTM)30.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%96.97%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 44.11% on average per year.
  • The Revenue is expected to grow by 20.44% on average over the next years. This is a very strong growth
EPS Next Y64.98%
EPS Next 2Y44.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.33%
Revenue Next 2Y20.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

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 10 20 30

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 5 10

4.3 Compensation for Growth

  • GPMT's earnings are expected to grow with 44.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.11%
EPS Next 3YN/A

More info and screens

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

4

5. Dividend

5.1 Amount

  • GPMT has a Yearly Dividend Yield of 11.83%, which is a nice return.
  • The stock price of GPMT dropped by -33.33% 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.
  • GPMT's Dividend Yield is a higher than the industry average which is at 11.26.
  • GPMT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 11.83%

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
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-35.28%
EPS Next 2Y44.11%
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 0 -100M -200M

More info and screens

Find the best dividend stocksShow peers with best dividend

GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (2/20/2026, 8:04:00 PM)

After market: 1.72 0 (0%)

1.72

-0.01 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners46.24%
Inst Owner Change6.84%
Ins Owners6.56%
Ins Owner Change3.11%
Market Cap81.55M
Revenue(TTM)N/A
Net Income(TTM)-70.58M
Analysts78
Price Target2.93 (70.35%)
Short Float %0.11%
Short Ratio0.24
Dividend
Industry RankSector Rank
Dividend Yield 11.83%
Yearly Dividend0.77
Dividend Growth(5Y)-15.12%
DP-35.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-4.17%
PT rev (3m)-8%
EPS NQ rev (1m)26.58%
EPS NQ rev (3m)30.95%
EPS NY rev (1m)0%
EPS NY rev (3m)9.05%
Revenue NQ rev (1m)-1.92%
Revenue NQ rev (3m)2.17%
Revenue NY rev (1m)-1.14%
Revenue NY rev (3m)-2.26%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.53
P/FCF N/A
P/OCF N/A
P/B 0.14
P/tB 0.14
EV/EBITDA N/A
EPS(TTM)-1.99
EYN/A
EPS(NY)-0.7
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 RankSector 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 RankSector 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 -0.72
F-Score4
WACC7.19%
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 Y64.98%
EPS Next 2Y44.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.37%
Revenue Next Year8.33%
Revenue Next 2Y20.44%
Revenue Next 3YN/A
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.


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 2 / 10.