LADR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While LADR is still in line with the averages on profitability rating, there are concerns on its financial health. LADR is valued correctly, but it does not seem to be growing.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

LADR had positive earnings in the past year.
LADR had a negative operating cash flow in the past year.
Of the past 5 years LADR 4 years were profitable.
Each year in the past 5 years LADR had a positive operating cash flow.

1.2 Ratios

LADR has a Return On Assets of 1.70%. This is amongst the best in the industry. LADR outperforms 94.12% of its industry peers.
The Return On Equity of LADR (5.33%) is better than 72.06% of its industry peers.
The Return On Invested Capital of LADR (1.46%) is better than 86.76% of its industry peers.
The Average Return On Invested Capital over the past 3 years for LADR is in line with the industry average of 1.28%.

		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

LADR has a better Profit Margin (19.27%) than 85.29% of its industry peers.
LADR's Profit Margin has declined in the last couple of years.
LADR has a better Operating Margin (20.45%) than 73.53% of its industry peers.
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 88.24% of its industry peers.
LADR's Gross Margin has been stable in the last couple of years.

		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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
The number of shares outstanding for LADR remains at a similar level compared to 1 year ago.
LADR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LADR has an improved debt to assets ratio.

2.2 Solvency

LADR has an Altman-Z score of 0.33. This is a bad value and indicates that LADR is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.33, LADR belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
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 83.82% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2
Debt/FCF	N/A
Altman-Z	0.33

ROIC/WACC0.24

WACC5.96%

2.3 Liquidity

A Current Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
The Current ratio of LADR (0.63) is better than 66.18% of its industry peers.
A Quick Ratio of 0.63 indicates that LADR may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.63, LADR is doing good in the industry, outperforming 66.18% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.63
Quick Ratio	0.63

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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

The earnings per share for LADR have decreased strongly by -24.60% in the last year.
The Earnings Per Share has been decreasing by -5.55% on average over the past years.
Looking at the last year, LADR shows a very negative growth in Revenue. The Revenue has decreased by -18.66% in the last year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

LADR is valuated reasonably with a Price/Earnings ratio of 11.55.
LADR's Price/Earnings ratio is a bit cheaper when compared to the industry. LADR is cheaper than 66.18% of the companies in the same industry.
When comparing the Price/Earnings ratio of LADR to the average of the S&P500 Index (28.30), we can say LADR is valued rather cheaply.
A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of LADR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LADR is on the same level as its industry peers.
LADR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.

		Industry Rank	Sector Rank
PE	11.55
Fwd PE	9.96

4.2 Price Multiples

91.18% of the companies in the same industry are more expensive than LADR, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	37.57

4.3 Compensation for Growth

LADR has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-4.58%

EPS Next 3Y2.16%

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5. Dividend

5.1 Amount

LADR has a Yearly Dividend Yield of 8.24%, which is a nice return.
With a Dividend Yield of 8.24, LADR pays less dividend than the industry average, which is at 11.11. 89.71% of the companies listed in the same industry pay a better dividend than LADR!
LADR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.

		Industry Rank	Sector Rank
Dividend Yield	8.24%

5.2 History

The dividend of LADR decreases each year by -6.35%.
LADR has been paying a dividend for at least 10 years, so it has 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

147.45% of the earnings are spent on dividend by LADR. This is not a sustainable payout ratio.

DP147.45%

EPS Next 2Y-4.58%

EPS Next 3Y2.16%

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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 11.55 and the Price/Book (PB) ratio is 0.93.

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.