GPMT Fundamental Analysis - GRANITE POINT MORTGAGE TRUST

Fundamental Rating

Overall GPMT gets a fundamental rating of 2 out of 10. We evaluated GPMT against 65 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.

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1. Profitability

1.1 Basic Checks

In the past year GPMT has reported negative net income.

GPMT had a positive 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 -7.60%. This is amonst the worse of the industry: GPMT underperforms 89.23% of its industry peers.

With a Return On Equity value of -25.53%, GPMT is not doing good in the industry: 98.46% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-7.6%
ROE	-25.53%
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

With a Gross Margin value of 23.99%, GPMT perfoms like the industry average, outperforming 50.77% 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	23.99%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 5 years ago, GPMT has less shares outstanding

Compared to 1 year ago, GPMT has a worse debt to assets ratio.

2.2 Solvency

GPMT has an Altman-Z score of -0.77. 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 (-0.77) is worse than 76.92% of its industry peers.

A Debt/Equity ratio of 2.31 is on the high side and indicates that GPMT has dependencies on debt financing.

With a decent Debt to Equity ratio value of 2.31, GPMT is doing good in the industry, outperforming 78.46% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.31
Debt/FCF	N/A
Altman-Z	-0.77

ROIC/WACCN/A

WACC7.44%

2.3 Liquidity

A Current Ratio of 0.16 indicates that GPMT may have some problems paying its short term obligations.

Looking at the Current ratio, with a value of 0.16, GPMT is in line with its industry, outperforming 44.62% of the companies in the same industry.

A Quick Ratio of 0.16 indicates that GPMT may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.16, GPMT is in line with its industry, outperforming 44.62% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.16
Quick Ratio	0.16

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

GPMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -582.35%.

GPMT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.22%.

The Revenue has been decreasing by -4.67% on average over the past years.

EPS 1Y (TTM)-582.35%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-2000%

Revenue 1Y (TTM)-30.22%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-35.8%

3.2 Future

The Earnings Per Share is expected to grow by 27.61% on average over the next years. This is a very strong growth

GPMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.18% yearly.

EPS Next Y16.3%

EPS Next 2Y34.69%

EPS Next 3Y27.61%

EPS Next 5YN/A

Revenue Next Year-10.82%

Revenue Next 2Y9.38%

Revenue Next 3Y13.18%

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.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

GPMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

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 27.61% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y34.69%

EPS Next 3Y27.61%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.84%, GPMT is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 14.00, GPMT's dividend is way lower than its industry peers. On top of this 96.92% of the companies listed in the same industry pay a better dividend than GPMT!

Compared to an average S&P500 Dividend Yield of 2.38, GPMT pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.84%

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-19.76%

EPS Next 2Y34.69%

EPS Next 3Y27.61%

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Find the best dividend stocks

Show peers with best dividend

GRANITE POINT MORTGAGE TRUST

NYSE:GPMT (6/3/2025, 8:17:25 PM)

After market: 2.68 0 (0%)

2.68

+0.15 (+5.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryMortgage Real Estate Investment Trusts (REITs)"

Earnings (Last)05-06 2025-05-06/amc

Earnings (Next)08-04 2025-08-04/amc

Inst Owners52.84%

Inst Owner Change-1.54%

Ins Owners2.56%

Ins Owner Change16.51%

Market Cap129.74M

Analysts77.78

Price Target2.42 (-9.7%)

Short Float %3.12%

Short Ratio3.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.84%

Yearly Dividend0.77

Dividend Growth(5Y)-15.12%

DP-19.76%

Div Incr Years0

Div Non Decr Years0

Ex-Date04-01 2025-04-01 (0.05)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-12.37%

Min EPS beat(2)-48.18%

Max EPS beat(2)23.45%

EPS beat(4)3

Avg EPS beat(4)0.46%

Min EPS beat(4)-48.18%

Max EPS beat(4)23.45%

EPS beat(8)4

Avg EPS beat(8)-35.02%

EPS beat(12)6

Avg EPS beat(12)-22.51%

EPS beat(16)8

Avg EPS beat(16)-17.59%

Revenue beat(2)0

Avg Revenue beat(2)-17.29%

Min Revenue beat(2)-23.56%

Max Revenue beat(2)-11.03%

Revenue beat(4)0

Avg Revenue beat(4)-24.74%

Min Revenue beat(4)-35.23%

Max Revenue beat(4)-11.03%

Revenue beat(8)2

Avg Revenue beat(8)-16.17%

Revenue beat(12)6

Avg Revenue beat(12)27.73%

Revenue beat(16)10

Avg Revenue beat(16)49.35%

PT rev (1m)-5%

PT rev (3m)-32.78%

EPS NQ rev (1m)-9.68%

EPS NQ rev (3m)-83.78%

EPS NY rev (1m)4.51%

EPS NY rev (3m)-19.97%

Revenue NQ rev (1m)0.91%

Revenue NQ rev (3m)-15.92%

Revenue NY rev (1m)-9.6%

Revenue NY rev (3m)-19.24%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.73
P/FCF	N/A
P/OCF	93
P/B	0.21
P/tB	0.21
EV/EBITDA	N/A

EPS(TTM)-3.48

EYN/A

EPS(NY)-0.54

Fwd EYN/A

FCF(TTM)-0.07

FCFYN/A

OCF(TTM)0.03

OCFY1.08%

SpS3.68

BVpS12.49

TBVpS12.49

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-7.6%
ROE	-25.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	23.99%
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

ROICexcg growth 3YN/A

ROICexcg 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	2.31
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	0.16
Quick Ratio	0.16
Altman-Z	-0.77

F-Score4

WACC7.44%

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)-582.35%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-2000%

EPS Next Y16.3%

EPS Next 2Y34.69%

EPS Next 3Y27.61%

EPS Next 5YN/A

Revenue 1Y (TTM)-30.22%

Revenue growth 3Y-0.58%

Revenue growth 5Y-4.67%

Sales Q2Q%-35.8%

Revenue Next Year-10.82%

Revenue Next 2Y9.38%

Revenue Next 3Y13.18%

Revenue Next 5YN/A

EBIT growth 1Y-34.51%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-105.81%

FCF growth 3Y-53.69%

FCF growth 5Y-37.77%

OCF growth 1Y-97.51%

OCF growth 3Y-47.44%

OCF growth 5Y-32.86%

GRANITE POINT MORTGAGE TRUST (GPMT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens