LTC PROPERTIES INC (LTC) Fundamental Analysis & Valuation
NYSE:LTC • US5021751020
38.16 USD
-0.45 (-1.17%)
At close: Mar 5, 2026
38.16 USD
0 (0%)
After Hours: 3/5/2026, 6:03:56 PM
This LTC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, LTC scores 4 out of 10 in our fundamental rating. LTC was compared to 122 industry peers in the Diversified REITs industry. LTC has a medium profitability rating, but doesn't score so well on its financial health evaluation. LTC has a correct valuation and a medium growth rate.
1. LTC Profitability Analysis
1.1 Basic Checks
- In the past year LTC was profitable.
- In the past year LTC had a positive cash flow from operations.
- In the past 5 years LTC has always been profitable.
- LTC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- LTC has a better Return On Assets (5.69%) than 95.90% of its industry peers.
- LTC has a Return On Equity of 10.91%. This is amongst the best in the industry. LTC outperforms 86.89% of its industry peers.
- LTC has a Return On Invested Capital of 3.27%. This is in the better half of the industry: LTC outperforms 63.93% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for LTC is in line with the industry average of 3.10%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.69% | ||
| ROE | 10.91% | ||
| ROIC | 3.27% |
ROA(3y)5.18%
ROA(5y)5.05%
ROE(3y)10.14%
ROE(5y)9.99%
ROIC(3y)4.8%
ROIC(5y)4.68%
1.3 Margins
- Looking at the Profit Margin, with a value of 44.62%, LTC belongs to the top of the industry, outperforming 95.08% of the companies in the same industry.
- In the last couple of years the Profit Margin of LTC has declined.
- The Operating Margin of LTC (31.58%) is better than 63.93% of its industry peers.
- LTC's Operating Margin has declined in the last couple of years.
- LTC has a Gross Margin of 75.32%. This is in the better half of the industry: LTC outperforms 72.13% of its industry peers.
- LTC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 31.58% | ||
| PM (TTM) | 44.62% | ||
| GM | 75.32% |
OM growth 3Y-17.07%
OM growth 5Y-10.06%
PM growth 3Y-7.7%
PM growth 5Y-5.62%
GM growth 3Y-6.16%
GM growth 5Y-3.62%
2. LTC Health Analysis
2.1 Basic Checks
- LTC 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 LTC has been increased compared to 1 year ago.
- Compared to 5 years ago, LTC has more shares outstanding
- LTC has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.32, we must say that LTC is in the distress zone and has some risk of bankruptcy.
- LTC has a Altman-Z score of 1.32. This is amongst the best in the industry. LTC outperforms 83.61% of its industry peers.
- A Debt/Equity ratio of 0.78 indicates that LTC is somewhat dependend on debt financing.
- LTC's Debt to Equity ratio of 0.78 is fine compared to the rest of the industry. LTC outperforms 72.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.32 |
ROIC/WACC0.46
WACC7.18%
2.3 Liquidity
- LTC has a Current Ratio of 1.00. This is a normal value and indicates that LTC is financially healthy and should not expect problems in meeting its short term obligations.
- LTC has a Current ratio (1.00) which is in line with its industry peers.
- LTC has a Quick Ratio of 1.00. This is a normal value and indicates that LTC is financially healthy and should not expect problems in meeting its short term obligations.
- The Quick ratio of LTC (1.00) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. LTC Growth Analysis
3.1 Past
- LTC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.27%, which is quite impressive.
- Measured over the past years, LTC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.81% on average per year.
- LTC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.63%.
- LTC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.53% yearly.
EPS 1Y (TTM)29.27%
EPS 3Y2.23%
EPS 5Y9.81%
EPS Q2Q%441.03%
Revenue 1Y (TTM)0.63%
Revenue growth 3Y14.48%
Revenue growth 5Y10.53%
Sales Q2Q%-49.21%
3.2 Future
- The Earnings Per Share is expected to decrease by -8.80% on average over the next years.
- The Revenue is expected to decrease by -8.25% on average over the next years.
EPS Next Y-22.94%
EPS Next 2Y-12.98%
EPS Next 3Y-8.8%
EPS Next 5YN/A
Revenue Next Year0.63%
Revenue Next 2Y6.75%
Revenue Next 3Y-8.25%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. LTC Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.40 indicates a correct valuation of LTC.
- 90.98% of the companies in the same industry are more expensive than LTC, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of LTC to the average of the S&P500 Index (26.74), we can say LTC is valued slightly cheaper.
- LTC is valuated rather expensively with a Price/Forward Earnings ratio of 18.69.
- LTC's Price/Forward Earnings ratio is rather cheap when compared to the industry. LTC is cheaper than 95.08% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of LTC to the average of the S&P500 Index (24.82), we can say LTC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 18.69 |
4.2 Price Multiples
- LTC's Enterprise Value to EBITDA ratio is rather expensive when compared to the industry. LTC is more expensive than 84.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.34 |
4.3 Compensation for Growth
- The decent profitability rating of LTC may justify a higher PE ratio.
- LTC's earnings are expected to decrease with -8.80% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.47
EPS Next 2Y-12.98%
EPS Next 3Y-8.8%
5. LTC Dividend Analysis
5.1 Amount
- LTC has a Yearly Dividend Yield of 5.91%, which is a nice return.
- LTC's Dividend Yield is a higher than the industry average which is at 7.03.
- Compared to an average S&P500 Dividend Yield of 1.82, LTC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.91% |
5.2 History
- The dividend of LTC decreases each year by -0.01%.
- LTC has been paying a dividend for at least 10 years, so it has a reliable track record.
- LTC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.01%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
- 91.57% of the earnings are spent on dividend by LTC. This is not a sustainable payout ratio.
- LTC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP91.57%
EPS Next 2Y-12.98%
EPS Next 3Y-8.8%
LTC Fundamentals: All Metrics, Ratios and Statistics
38.16
-0.45 (-1.17%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)02-24 2026-02-24/amc
Earnings (Next)05-04 2026-05-04
Inst Owners81.57%
Inst Owner Change1.23%
Ins Owners2.02%
Ins Owner Change4.73%
Market Cap1.85B
Revenue(TTM)262.85M
Net Income(TTM)117.28M
Analysts68.33
Price Target38.91 (1.97%)
Short Float %5.83%
Short Ratio6.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.91% |
Yearly Dividend2.29
Dividend Growth(5Y)-0.01%
DP91.57%
Div Incr Years0
Div Non Decr Years22
Ex-Date03-23 2026-03-23 (0.19)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-86.67%
Min EPS beat(2)-242.37%
Max EPS beat(2)69.02%
EPS beat(4)1
Avg EPS beat(4)-53.02%
Min EPS beat(4)-242.37%
Max EPS beat(4)69.02%
EPS beat(8)3
Avg EPS beat(8)-25.83%
EPS beat(12)6
Avg EPS beat(12)-12.8%
EPS beat(16)7
Avg EPS beat(16)3.26%
Revenue beat(2)0
Avg Revenue beat(2)-15.63%
Min Revenue beat(2)-16.95%
Max Revenue beat(2)-14.31%
Revenue beat(4)2
Avg Revenue beat(4)20.76%
Min Revenue beat(4)-16.95%
Max Revenue beat(4)71.75%
Revenue beat(8)6
Avg Revenue beat(8)18.28%
Revenue beat(12)10
Avg Revenue beat(12)15.76%
Revenue beat(16)14
Avg Revenue beat(16)21.03%
PT rev (1m)0.38%
PT rev (3m)0.38%
EPS NQ rev (1m)0.98%
EPS NQ rev (3m)139.54%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)10.02%
Revenue NQ rev (1m)-9.39%
Revenue NQ rev (3m)-6.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)30.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 18.69 | ||
| P/S | 7.04 | ||
| P/FCF | N/A | ||
| P/OCF | 13.61 | ||
| P/B | 1.72 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | 22.34 |
EPS(TTM)2.65
EY6.94%
EPS(NY)2.04
Fwd EY5.35%
FCF(TTM)-4.66
FCFYN/A
OCF(TTM)2.8
OCFY7.35%
SpS5.42
BVpS22.16
TBVpS22.03
PEG (NY)N/A
PEG (5Y)1.47
Graham Number36.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.69% | ||
| ROE | 10.91% | ||
| ROCE | 4.14% | ||
| ROIC | 3.27% | ||
| ROICexc | 3.29% | ||
| ROICexgc | 3.31% | ||
| OM | 31.58% | ||
| PM (TTM) | 44.62% | ||
| GM | 75.32% | ||
| FCFM | N/A |
ROA(3y)5.18%
ROA(5y)5.05%
ROE(3y)10.14%
ROE(5y)9.99%
ROIC(3y)4.8%
ROIC(5y)4.68%
ROICexc(3y)4.84%
ROICexc(5y)4.71%
ROICexgc(3y)4.86%
ROICexgc(5y)4.72%
ROCE(3y)6.07%
ROCE(5y)5.92%
ROICexgc growth 3Y-11.48%
ROICexgc growth 5Y-7.05%
ROICexc growth 3Y-11.58%
ROICexc growth 5Y-7.11%
OM growth 3Y-17.07%
OM growth 5Y-10.06%
PM growth 3Y-7.7%
PM growth 5Y-5.62%
GM growth 3Y-6.16%
GM growth 5Y-3.62%
F-Score3
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.97 | ||
| Cap/Depr | 955.42% | ||
| Cap/Sales | 137.67% | ||
| Interest Coverage | 2.52 | ||
| Cash Conversion | 112.49% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1 | ||
| Quick Ratio | 1 | ||
| Altman-Z | 1.32 |
F-Score3
WACC7.18%
ROIC/WACC0.46
Cap/Depr(3y)378.91%
Cap/Depr(5y)263.12%
Cap/Sales(3y)57.14%
Cap/Sales(5y)42.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.27%
EPS 3Y2.23%
EPS 5Y9.81%
EPS Q2Q%441.03%
EPS Next Y-22.94%
EPS Next 2Y-12.98%
EPS Next 3Y-8.8%
EPS Next 5YN/A
Revenue 1Y (TTM)0.63%
Revenue growth 3Y14.48%
Revenue growth 5Y10.53%
Sales Q2Q%-49.21%
Revenue Next Year0.63%
Revenue Next 2Y6.75%
Revenue Next 3Y-8.25%
Revenue Next 5YN/A
EBIT growth 1Y-49.67%
EBIT growth 3Y-5.06%
EBIT growth 5Y-0.59%
EBIT Next Year354.43%
EBIT Next 3Y77.08%
EBIT Next 5YN/A
FCF growth 1Y-303.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.63%
OCF growth 3Y8.79%
OCF growth 5Y3.21%
LTC PROPERTIES INC / LTC FAQ
Can you provide the ChartMill fundamental rating for LTC PROPERTIES INC?
ChartMill assigns a fundamental rating of 4 / 10 to LTC.
What is the valuation status of LTC PROPERTIES INC (LTC) stock?
ChartMill assigns a valuation rating of 4 / 10 to LTC PROPERTIES INC (LTC). This can be considered as Fairly Valued.
What is the profitability of LTC stock?
LTC PROPERTIES INC (LTC) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for LTC stock?
The Price/Earnings (PE) ratio for LTC PROPERTIES INC (LTC) is 14.4 and the Price/Book (PB) ratio is 1.72.
How financially healthy is LTC PROPERTIES INC?
The financial health rating of LTC PROPERTIES INC (LTC) is 3 / 10.