LADDER CAPITAL CORP-REIT (LADR) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:LADR • US5057431042
11.06 USD
+0.19 (+1.75%)
At close: Feb 4, 2026
11.0066 USD
-0.05 (-0.48%)
After Hours: 2/4/2026, 7:32:49 PM
We assign a fundamental rating of 4 out of 10 to LADR. LADR was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LADR has a medium profitability rating, but doesn't score so well on its financial health evaluation. LADR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year LADR was profitable.
- LADR had a negative operating cash flow in the past year.
- LADR had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years LADR had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.70%, LADR belongs to the best of the industry, outperforming 94.29% of the companies in the same industry.
- With a decent Return On Equity value of 5.33%, LADR is doing good in the industry, outperforming 72.86% of the companies in the same industry.
- LADR has a Return On Invested Capital of 1.46%. This is amongst the best in the industry. LADR outperforms 87.14% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for LADR is in line with the industry average of 1.26%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 5.33% | ||
| ROIC | 1.46% |
ROA(3y)2.15%
ROA(5y)1.44%
ROE(3y)7.64%
ROE(5y)5.15%
ROIC(3y)1.84%
ROIC(5y)N/A
1.3 Margins
- With an excellent Profit Margin value of 19.27%, LADR belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
- In the last couple of years the Profit Margin of LADR has declined.
- Looking at the Operating Margin, with a value of 20.45%, LADR is in the better half of the industry, outperforming 74.29% of the companies in the same industry.
- In the last couple of years the Operating Margin of LADR has declined.
- LADR has a Gross Margin of 56.45%. This is amongst the best in the industry. LADR outperforms 88.57% of its industry peers.
- In the last couple of years the Gross Margin of LADR has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.45% | ||
| PM (TTM) | 19.27% | ||
| GM | 56.45% |
OM growth 3Y10.59%
OM growth 5Y-4.83%
PM growth 3Y10.61%
PM growth 5Y-2.43%
GM growth 3Y4.81%
GM growth 5Y-1.18%
2. Health
2.1 Basic Checks
- LADR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- LADR has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, LADR has more shares outstanding
- LADR has a better debt/assets ratio than last year.
2.2 Solvency
- LADR has an Altman-Z score of 0.32. This is a bad value and indicates that LADR is not financially healthy and even has some risk of bankruptcy.
- LADR has a Altman-Z score of 0.32. This is amongst the best in the industry. LADR outperforms 88.57% of its industry peers.
- LADR has a Debt/Equity ratio of 2.00. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 2.00, LADR belongs to the top of the industry, outperforming 84.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.32 |
ROIC/WACC0.25
WACC5.94%
2.3 Liquidity
- A Current Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
- LADR's Current ratio of 0.63 is fine compared to the rest of the industry. LADR outperforms 67.14% of its industry peers.
- A Quick Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
- The Quick ratio of LADR (0.63) is better than 67.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
- The earnings per share for LADR have decreased strongly by -24.60% in the last year.
- LADR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.55% yearly.
- The Revenue for LADR has decreased by -18.66% in the past year. This is quite bad
- The Revenue has been decreasing by -0.03% on average over the past years.
EPS 1Y (TTM)-24.6%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-18.66%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-25.31%
3.2 Future
- LADR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.16% yearly.
- Based on estimates for the next years, LADR will show a decrease in Revenue. The Revenue will decrease by -1.46% on average per year.
EPS Next Y-22.02%
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
EPS Next 5YN/A
Revenue Next Year-26.01%
Revenue Next 2Y-10.68%
Revenue Next 3Y-1.46%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.64, the valuation of LADR can be described as reasonable.
- Based on the Price/Earnings ratio, LADR is valued a bit cheaper than 64.29% of the companies in the same industry.
- When comparing the Price/Earnings ratio of LADR to the average of the S&P500 Index (28.25), we can say LADR is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.04, the valuation of LADR can be described as reasonable.
- LADR's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of LADR to the average of the S&P500 Index (27.50), we can say LADR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LADR indicates a rather cheap valuation: LADR is cheaper than 91.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 37.46 |
4.3 Compensation for Growth
- The decent profitability rating of LADR may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
5. Dividend
5.1 Amount
- LADR has a Yearly Dividend Yield of 8.24%, which is a nice return.
- Compared to an average industry Dividend Yield of 11.85, LADR's dividend is way lower than its industry peers. On top of this 90.00% of the companies listed in the same industry pay a better dividend than LADR!
- Compared to an average S&P500 Dividend Yield of 1.82, LADR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
5.2 History
- The dividend of LADR decreases each year by -6.35%.
- LADR has paid a dividend for at least 10 years, which is a reliable track record.
- LADR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-6.35%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
- LADR pays out 147.45% of its income as dividend. This is not a sustainable payout ratio.
DP147.45%
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
11.06
+0.19 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)02-05 2026-02-05/bmo
Inst Owners63.29%
Inst Owner Change-2.76%
Ins Owners11.72%
Ins Owner Change-0.36%
Market Cap1.41B
Revenue(TTM)413.45M
Net Income(TTM)79.68M
Analysts85
Price Target12.92 (16.82%)
Short Float %1.5%
Short Ratio2.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
Yearly Dividend0.93
Dividend Growth(5Y)-6.35%
DP147.45%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.57%
Min EPS beat(2)1.72%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-2.55%
Min EPS beat(4)-11.87%
Max EPS beat(4)5.42%
EPS beat(8)6
Avg EPS beat(8)2.6%
EPS beat(12)10
Avg EPS beat(12)4.55%
EPS beat(16)14
Avg EPS beat(16)10.45%
Revenue beat(2)1
Avg Revenue beat(2)8.63%
Min Revenue beat(2)-0.4%
Max Revenue beat(2)17.66%
Revenue beat(4)1
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-6.48%
Max Revenue beat(4)17.66%
Revenue beat(8)3
Avg Revenue beat(8)2.11%
Revenue beat(12)6
Avg Revenue beat(12)11.79%
Revenue beat(16)10
Avg Revenue beat(16)32.89%
PT rev (1m)0.53%
PT rev (3m)0.53%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)-1.46%
EPS NY rev (1m)0.27%
EPS NY rev (3m)0.54%
Revenue NQ rev (1m)4.51%
Revenue NQ rev (3m)4.51%
Revenue NY rev (1m)2.76%
Revenue NY rev (3m)2.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 10.04 | ||
| P/S | 3.41 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.94 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | 37.46 |
EPS(TTM)0.95
EY8.59%
EPS(NY)1.1
Fwd EY9.96%
FCF(TTM)-0.15
FCFYN/A
OCF(TTM)-0.15
OCFYN/A
SpS3.25
BVpS11.75
TBVpS11.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 5.33% | ||
| ROCE | 1.84% | ||
| ROIC | 1.46% | ||
| ROICexc | 1.47% | ||
| ROICexgc | 1.5% | ||
| OM | 20.45% | ||
| PM (TTM) | 19.27% | ||
| GM | 56.45% | ||
| FCFM | N/A |
ROA(3y)2.15%
ROA(5y)1.44%
ROE(3y)7.64%
ROE(5y)5.15%
ROIC(3y)1.84%
ROIC(5y)N/A
ROICexc(3y)2.28%
ROICexc(5y)N/A
ROICexgc(3y)2.37%
ROICexgc(5y)N/A
ROCE(3y)2.33%
ROCE(5y)N/A
ROICexgc growth 3Y44.8%
ROICexgc growth 5Y9.08%
ROICexc growth 3Y43.44%
ROICexc growth 5Y8.32%
OM growth 3Y10.59%
OM growth 5Y-4.83%
PM growth 3Y10.61%
PM growth 5Y-2.43%
GM growth 3Y4.81%
GM growth 5Y-1.18%
F-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 25.92 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 0.32 |
F-Score4
WACC5.94%
ROIC/WACC0.25
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)125.78%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.6%
EPS 3Y35.16%
EPS 5Y-5.55%
EPS Q2Q%-16.67%
EPS Next Y-22.02%
EPS Next 2Y-4.58%
EPS Next 3Y2.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.66%
Revenue growth 3Y12.29%
Revenue growth 5Y-0.03%
Sales Q2Q%-25.31%
Revenue Next Year-26.01%
Revenue Next 2Y-10.68%
Revenue Next 3Y-1.46%
Revenue Next 5YN/A
EBIT growth 1Y-11.81%
EBIT growth 3Y24.19%
EBIT growth 5Y-4.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-110.45%
FCF growth 3Y31.27%
FCF growth 5Y-3.85%
OCF growth 1Y-110.45%
OCF growth 3Y18.89%
OCF growth 5Y-6.07%
LADDER CAPITAL CORP-REIT / LADR FAQ
Can you provide the ChartMill fundamental rating for LADDER CAPITAL CORP-REIT?
ChartMill assigns a fundamental rating of 4 / 10 to LADR.
What is the valuation status for LADR stock?
ChartMill assigns a valuation rating of 5 / 10 to LADDER CAPITAL CORP-REIT (LADR). This can be considered as Fairly Valued.
How profitable is LADDER CAPITAL CORP-REIT (LADR) stock?
LADDER CAPITAL CORP-REIT (LADR) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for LADR stock?
The Price/Earnings (PE) ratio for LADDER CAPITAL CORP-REIT (LADR) is 11.64 and the Price/Book (PB) ratio is 0.94.
What is the earnings growth outlook for LADDER CAPITAL CORP-REIT?
The Earnings per Share (EPS) of LADDER CAPITAL CORP-REIT (LADR) is expected to decline by -22.02% in the next year.