GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis
USA - NYSE:GPMT - US38741L1070 - REIT
2.77 USD
-0.06 (-2.12%)
We assign a fundamental rating of 2 out of 10 to GPMT. GPMT was compared to 68 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.
1. Profitability
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.
In the past 5 years GPMT always reported a positive cash flow from operatings.
1.2 Ratios
GPMT has a worse Return On Assets (-5.46%) than 89.71% of its industry peers.
GPMT has a Return On Equity of -17.91%. This is amonst the worse of the industry: GPMT underperforms 86.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.46% | ||
| ROE | -17.91% | ||
| 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 27.27%, GPMT is in line with its industry, outperforming 55.88% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 27.27% |
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.
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.
GPMT has a worse debt/assets ratio than last year.
2.2 Solvency
GPMT has an Altman-Z score of -0.71. This is a bad value and indicates that GPMT is not financially healthy and even has some risk of bankruptcy.
GPMT's Altman-Z score of -0.71 is on the low side compared to the rest of the industry. GPMT is outperformed by 73.53% of its industry peers.
A Debt/Equity ratio of 2.23 is on the high side and indicates that GPMT has dependencies on debt financing.
GPMT's Debt to Equity ratio of 2.23 is amongst the best of the industry. GPMT outperforms 80.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.71 |
ROIC/WACCN/A
WACC7.43%
2.3 Liquidity
A Current Ratio of 0.18 indicates that GPMT may have some problems paying its short term obligations.
GPMT has a Current ratio of 0.18. This is comparable to the rest of the industry: GPMT outperforms 52.94% of its industry peers.
A Quick Ratio of 0.18 indicates that GPMT may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.18, GPMT is in line with its industry, outperforming 52.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for GPMT have decreased strongly by -423.46% in the last year.
Looking at the last year, GPMT shows a very negative growth in Revenue. The Revenue has decreased by -29.49% in the last year.
Measured over the past years, GPMT shows a decrease in Revenue. The Revenue has been decreasing by -4.67% on average per year.
EPS 1Y (TTM)-423.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-422.22%
Revenue 1Y (TTM)-29.49%
Revenue growth 3Y-0.58%
Revenue growth 5Y-4.67%
Sales Q2Q%-1.06%
3.2 Future
The Earnings Per Share is expected to grow by 27.39% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.03% on average over the next years. This is quite good.
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.
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 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
GPMT has a Yearly Dividend Yield of 7.17%, which is a nice return.
With a Dividend Yield of 7.17, GPMT pays less dividend than the industry average, which is at 12.66. 94.12% of the companies listed in the same industry pay a better dividend than GPMT!
Compared to an average S&P500 Dividend Yield of 2.30, GPMT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.17% |
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-23.95%
EPS Next 2Y33.76%
EPS Next 3Y27.39%
NYSE:GPMT (10/28/2025, 2:53:36 PM)
2.77
-0.06 (-2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners45.28%
Inst Owner Change0.05%
Ins Owners6.66%
Ins Owner Change11.65%
Market Cap131.27M
Revenue(TTM)165.88M
Net Income(TTM)-104640000
Analysts77.78
Price Target3.19 (15.16%)
Short Float %0.4%
Short Ratio0.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.17% |
Yearly Dividend0.77
Dividend Growth(5Y)-15.12%
DP-23.95%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.15%
Min EPS beat(2)-17.15%
Max EPS beat(2)23.45%
EPS beat(4)2
Avg EPS beat(4)-7.82%
Min EPS beat(4)-48.18%
Max EPS beat(4)23.45%
EPS beat(8)4
Avg EPS beat(8)-34.88%
EPS beat(12)6
Avg EPS beat(12)-23.73%
EPS beat(16)8
Avg EPS beat(16)-17.97%
Revenue beat(2)0
Avg Revenue beat(2)-11.3%
Min Revenue beat(2)-11.57%
Max Revenue beat(2)-11.03%
Revenue beat(4)0
Avg Revenue beat(4)-18.83%
Min Revenue beat(4)-29.15%
Max Revenue beat(4)-11.03%
Revenue beat(8)1
Avg Revenue beat(8)-17.9%
Revenue beat(12)5
Avg Revenue beat(12)17.62%
Revenue beat(16)9
Avg Revenue beat(16)43.48%
PT rev (1m)0%
PT rev (3m)4.17%
EPS NQ rev (1m)-33.33%
EPS NQ rev (3m)13.16%
EPS NY rev (1m)-5.25%
EPS NY rev (3m)5.54%
Revenue NQ rev (1m)4.01%
Revenue NQ rev (3m)5.16%
Revenue NY rev (1m)1.77%
Revenue NY rev (3m)3.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.79 | ||
| P/FCF | N/A | ||
| P/OCF | 114.75 | ||
| P/B | 0.22 | ||
| P/tB | 0.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)-4.24
EYN/A
EPS(NY)-0.61
Fwd EYN/A
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)0.02
OCFY0.87%
SpS3.5
BVpS12.33
TBVpS12.33
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.46% | ||
| ROE | -17.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 27.27% | ||
| 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-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| 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 | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | -0.71 |
F-Score6
WACC7.43%
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)-423.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-422.22%
EPS Next Y19.49%
EPS Next 2Y33.76%
EPS Next 3Y27.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-29.49%
Revenue growth 3Y-0.58%
Revenue growth 5Y-4.67%
Sales Q2Q%-1.06%
Revenue Next Year-1.03%
Revenue Next 2Y13.01%
Revenue Next 3Y13.03%
Revenue Next 5YN/A
EBIT growth 1Y47.03%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-108.38%
FCF growth 3Y-53.69%
FCF growth 5Y-37.77%
OCF growth 1Y-98.17%
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 -23.95%.