STARWOOD PROPERTY TRUST INC (STWD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:STWD - US85571B1052 - REIT
18.455 USD
-0.1 (-0.51%)
Overall STWD gets a fundamental rating of 4 out of 10. We evaluated STWD against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. STWD has an average financial health and profitability rating. STWD has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
STWD had positive earnings in the past year.
STWD had a positive operating cash flow in the past year.
In the past 5 years STWD has always been profitable.
STWD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
STWD has a Return On Assets (0.57%) which is comparable to the rest of the industry.
The Return On Equity of STWD (5.21%) is better than 69.57% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.09%, STWD is doing worse than 73.91% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for STWD is in line with the industry average of 1.30%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 5.21% | ||
| ROIC | 0.09% |
ROA(3y)0.71%
ROA(5y)0.61%
ROE(3y)8.01%
ROE(5y)7.71%
ROIC(3y)0.41%
ROIC(5y)0.32%
1.3 Margins
With an excellent Profit Margin value of 19.32%, STWD belongs to the best of the industry, outperforming 85.51% of the companies in the same industry.
In the last couple of years the Profit Margin of STWD has declined.
With a Operating Margin value of 3.71%, STWD is not doing good in the industry: 71.01% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of STWD has declined.
The Gross Margin of STWD (24.47%) is worse than 63.77% of its industry peers.
In the last couple of years the Gross Margin of STWD has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.71% | ||
| PM (TTM) | 19.32% | ||
| GM | 24.47% |
OM growth 3Y-73.09%
OM growth 5Y-53.33%
PM growth 3Y-22.07%
PM growth 5Y-15.94%
GM growth 3Y-19.52%
GM growth 5Y-12.09%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so STWD is destroying value.
The number of shares outstanding for STWD has been increased compared to 1 year ago.
STWD has more shares outstanding than it did 5 years ago.
STWD has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.10, we must say that STWD is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of STWD (0.10) is better than 75.36% of its industry peers.
The Debt to FCF ratio of STWD is 27.31, which is on the high side as it means it would take STWD, 27.31 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 27.31, STWD belongs to the top of the industry, outperforming 84.06% of the companies in the same industry.
A Debt/Equity ratio of 3.12 is on the high side and indicates that STWD has dependencies on debt financing.
STWD's Debt to Equity ratio of 3.12 is fine compared to the rest of the industry. STWD outperforms 71.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.12 | ||
| Debt/FCF | 27.31 | ||
| Altman-Z | 0.1 |
ROIC/WACC0.01
WACC6.63%
2.3 Liquidity
A Current Ratio of 0.45 indicates that STWD may have some problems paying its short term obligations.
STWD's Current ratio of 0.45 is fine compared to the rest of the industry. STWD outperforms 63.77% of its industry peers.
A Quick Ratio of 0.45 indicates that STWD may have some problems paying its short term obligations.
STWD's Quick ratio of 0.45 is fine compared to the rest of the industry. STWD outperforms 63.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.45 | ||
| Quick Ratio | 0.45 |
3. Growth
3.1 Past
STWD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.37%.
Looking at the last year, STWD shows a very negative growth in Revenue. The Revenue has decreased by -11.42% in the last year.
Measured over the past years, STWD shows a quite strong growth in Revenue. The Revenue has been growing by 10.69% on average per year.
EPS 1Y (TTM)-17.37%
EPS 3Y-8.27%
EPS 5Y0%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-11.42%
Revenue growth 3Y19.11%
Revenue growth 5Y10.69%
Sales Q2Q%1.95%
3.2 Future
The Earnings Per Share is expected to decrease by -0.34% on average over the next years.
STWD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.94% yearly.
EPS Next Y-15.08%
EPS Next 2Y-3.98%
EPS Next 3Y-0.34%
EPS Next 5YN/A
Revenue Next Year-26.92%
Revenue Next 2Y-6.76%
Revenue Next 3Y4.94%
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.
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 10.49, the valuation of STWD can be described as reasonable.
68.12% of the companies in the same industry are more expensive than STWD, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.59. STWD is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.86 indicates a reasonable valuation of STWD.
STWD's Price/Forward Earnings is on the same level as the industry average.
STWD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.86 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, STWD is valued a bit cheaper than 68.12% of the companies in the same industry.
75.36% of the companies in the same industry are more expensive than STWD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.71 | ||
| EV/EBITDA | 208.01 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.98%
EPS Next 3Y-0.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.49%, STWD is a good candidate for dividend investing.
STWD's Dividend Yield is slightly below the industry average, which is at 12.09.
Compared to an average S&P500 Dividend Yield of 2.31, STWD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.49% |
5.2 History
The dividend of STWD decreases each year by -0.25%.
STWD has been paying a dividend for at least 10 years, so it has a reliable track record.
STWD has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.25%
Div Incr Years0
Div Non Decr Years15
5.3 Sustainability
STWD pays out 182.62% of its income as dividend. This is not a sustainable payout ratio.
STWD's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP182.62%
EPS Next 2Y-3.98%
EPS Next 3Y-0.34%
NYSE:STWD (12/11/2025, 3:46:06 PM)
18.455
-0.1 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners53.67%
Inst Owner Change-13.07%
Ins Owners5.47%
Ins Owner Change0.32%
Market Cap6.83B
Revenue(TTM)1.85B
Net Income(TTM)357.82M
Analysts78.57
Price Target22.1 (19.75%)
Short Float %3.59%
Short Ratio3.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.49% |
Yearly Dividend1.91
Dividend Growth(5Y)-0.25%
DP182.62%
Div Incr Years0
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.15%
Min EPS beat(2)-10.87%
Max EPS beat(2)10.58%
EPS beat(4)2
Avg EPS beat(4)-0.17%
Min EPS beat(4)-10.87%
Max EPS beat(4)10.58%
EPS beat(8)5
Avg EPS beat(8)4.69%
EPS beat(12)6
Avg EPS beat(12)2.69%
EPS beat(16)8
Avg EPS beat(16)11.1%
Revenue beat(2)1
Avg Revenue beat(2)-1.32%
Min Revenue beat(2)-3.97%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-4.74%
Min Revenue beat(4)-9.5%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-6.92%
Revenue beat(12)2
Avg Revenue beat(12)-4%
Revenue beat(16)5
Avg Revenue beat(16)18.21%
PT rev (1m)-1.51%
PT rev (3m)-1.51%
EPS NQ rev (1m)-10.03%
EPS NQ rev (3m)-15.31%
EPS NY rev (1m)-5.65%
EPS NY rev (3m)-6.41%
Revenue NQ rev (1m)2.66%
Revenue NQ rev (3m)2.62%
Revenue NY rev (1m)-19.69%
Revenue NY rev (3m)-19.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.86 | ||
| P/S | 3.69 | ||
| P/FCF | 8.71 | ||
| P/OCF | 8.71 | ||
| P/B | 1 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 208.01 |
EPS(TTM)1.76
EY9.54%
EPS(NY)1.87
Fwd EY10.14%
FCF(TTM)2.12
FCFY11.48%
OCF(TTM)2.12
OCFY11.48%
SpS5
BVpS18.54
TBVpS16.67
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 5.21% | ||
| ROCE | 0.11% | ||
| ROIC | 0.09% | ||
| ROICexc | 0.09% | ||
| ROICexgc | 0.21% | ||
| OM | 3.71% | ||
| PM (TTM) | 19.32% | ||
| GM | 24.47% | ||
| FCFM | 42.37% |
ROA(3y)0.71%
ROA(5y)0.61%
ROE(3y)8.01%
ROE(5y)7.71%
ROIC(3y)0.41%
ROIC(5y)0.32%
ROICexc(3y)0.42%
ROICexc(5y)0.32%
ROICexgc(3y)1.27%
ROICexgc(5y)1.09%
ROCE(3y)0.54%
ROCE(5y)0.41%
ROICexgc growth 3Y-67.71%
ROICexgc growth 5Y-52.05%
ROICexc growth 3Y-64.39%
ROICexc growth 5Y-45.8%
OM growth 3Y-73.09%
OM growth 5Y-53.33%
PM growth 3Y-22.07%
PM growth 5Y-15.94%
GM growth 3Y-19.52%
GM growth 5Y-12.09%
F-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.12 | ||
| Debt/FCF | 27.31 | ||
| Debt/EBITDA | 161 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.06 | ||
| Cash Conversion | 589.5% | ||
| Profit Quality | 219.3% | ||
| Current Ratio | 0.45 | ||
| Quick Ratio | 0.45 | ||
| Altman-Z | 0.1 |
F-Score3
WACC6.63%
ROIC/WACC0.01
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)122.39%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-17.37%
EPS 3Y-8.27%
EPS 5Y0%
EPS Q2Q%-16.67%
EPS Next Y-15.08%
EPS Next 2Y-3.98%
EPS Next 3Y-0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.42%
Revenue growth 3Y19.11%
Revenue growth 5Y10.69%
Sales Q2Q%1.95%
Revenue Next Year-26.92%
Revenue Next 2Y-6.76%
Revenue Next 3Y4.94%
Revenue Next 5YN/A
EBIT growth 1Y-11.92%
EBIT growth 3Y-67.95%
EBIT growth 5Y-48.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y786.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y786.81%
OCF growth 3YN/A
OCF growth 5YN/A
STARWOOD PROPERTY TRUST INC / STWD FAQ
What is the fundamental rating for STWD stock?
ChartMill assigns a fundamental rating of 4 / 10 to STWD.
Can you provide the valuation status for STARWOOD PROPERTY TRUST INC?
ChartMill assigns a valuation rating of 5 / 10 to STARWOOD PROPERTY TRUST INC (STWD). This can be considered as Fairly Valued.
How profitable is STARWOOD PROPERTY TRUST INC (STWD) stock?
STARWOOD PROPERTY TRUST INC (STWD) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for STWD stock?
The Price/Earnings (PE) ratio for STARWOOD PROPERTY TRUST INC (STWD) is 10.49 and the Price/Book (PB) ratio is 1.
What is the financial health of STARWOOD PROPERTY TRUST INC (STWD) stock?
The financial health rating of STARWOOD PROPERTY TRUST INC (STWD) is 4 / 10.