GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:GPMT • US38741L1070

2.16 USD
-0.06 (-2.7%)
At close: Feb 3, 2026
2.15 USD
-0.01 (-0.46%)
After Hours: 2/3/2026, 8:21:21 PM
Fundamental Rating

2

Taking everything into account, GPMT scores 2 out of 10 in our fundamental rating. GPMT was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of GPMT have multiple concerns. GPMT has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

1

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.
  • GPMT had negative earnings in 4 of the past 5 years.
  • 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 0 50M -50M -100M -150M -200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -3.91%, GPMT is doing worse than 82.86% of the companies in the same industry.
  • With a Return On Equity value of -12.13%, GPMT is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
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

  • GPMT has a Gross Margin (30.75%) which is in line with its industry peers.
  • GPMT's Gross Margin has declined in the last couple of years.
  • 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 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

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2

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.
  • The number of shares outstanding for GPMT has been reduced compared to 5 years ago.
  • Compared to 1 year ago, GPMT has a worse debt to assets ratio.
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 -0.71. This is a bad value and indicates that GPMT is not financially healthy and even has some risk of bankruptcy.
  • GPMT has a Altman-Z score of -0.71. This is in the lower half of the industry: GPMT underperforms 74.29% 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 Debt to Equity ratio of 2.05. This is amongst the best in the industry. GPMT outperforms 82.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Altman-Z -0.71
ROIC/WACCN/A
WACC7.3%
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.
  • GPMT has a Current ratio (0.15) which is comparable to the rest of the industry.
  • A Quick Ratio of 0.15 indicates that GPMT may have some problems paying its short term obligations.
  • GPMT's Quick ratio of 0.15 is in line compared to the rest of the industry. GPMT outperforms 47.14% of its industry peers.
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

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3

3. Growth

3.1 Past

  • GPMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -175.35%.
  • 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 27.10% on average per year.
  • The Revenue is expected to grow by 11.95% on average over the next years. This is quite good.
EPS Next Y26.78%
EPS Next 2Y32.59%
EPS Next 3Y27.1%
EPS Next 5YN/A
Revenue Next Year-2.16%
Revenue Next 2Y8.41%
Revenue Next 3Y11.95%
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. 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 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 40

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

  • A more expensive valuation may be justified as GPMT's earnings are expected to grow with 27.10% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.59%
EPS Next 3Y27.1%

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3

5. Dividend

5.1 Amount

  • GPMT has a Yearly Dividend Yield of 8.89%, which is a nice return.
  • The stock price of GPMT dropped by -22.30% 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.
  • With a Dividend Yield of 8.89, GPMT pays less dividend than the industry average, which is at 11.85. 82.86% 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 1.83.
Industry RankSector Rank
Dividend Yield 8.89%

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 2Y32.59%
EPS Next 3Y27.1%
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

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GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (2/3/2026, 8:21:21 PM)

After market: 2.15 -0.01 (-0.46%)

2.16

-0.06 (-2.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-05
Earnings (Next)02-11
Inst Owners46.24%
Inst Owner Change-0.59%
Ins Owners6.56%
Ins Owner Change3.59%
Market Cap102.41M
Revenue(TTM)155.14M
Net Income(TTM)-70.58M
Analysts76
Price Target3.06 (41.67%)
Short Float %0.09%
Short Ratio0.19
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
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%
PT rev (3m)-7.69%
EPS NQ rev (1m)5.95%
EPS NQ rev (3m)46.62%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)9.05%
Revenue NQ rev (1m)1.13%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)-2.99%
Revenue NY rev (3m)-1.14%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.66
P/FCF N/A
P/OCF N/A
P/B 0.18
P/tB 0.18
EV/EBITDA N/A
EPS(TTM)-3.91
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 -0.71
F-Score4
WACC7.3%
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 Y26.78%
EPS Next 2Y32.59%
EPS Next 3Y27.1%
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-2.16%
Revenue Next 2Y8.41%
Revenue Next 3Y11.95%
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.