STARWOOD PROPERTY TRUST INC (STWD) Fundamental Analysis & Valuation

NYSE:STWD • US85571B1052

Current stock price

17.775 USD
+0.24 (+1.4%)
Last:

This STWD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. STWD Profitability Analysis

1.1 Basic Checks

  • In the past year STWD was profitable.
  • In the past year STWD had a positive cash flow from operations.
  • Each year in the past 5 years STWD has been profitable.
  • Of the past 5 years STWD 4 years had a positive operating cash flow.
STWD Yearly Net Income VS EBIT VS OCF VS FCFSTWD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B -1B

1.2 Ratios

  • The Return On Assets of STWD (0.64%) is comparable to the rest of the industry.
  • STWD has a Return On Equity (5.92%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 0.14%, STWD is not doing good in the industry: 70.59% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for STWD is in line with the industry average of 1.40%.
Industry RankSector Rank
ROA 0.64%
ROE 5.92%
ROIC 0.14%
ROA(3y)0.56%
ROA(5y)0.66%
ROE(3y)5.57%
ROE(5y)7.44%
ROIC(3y)0.14%
ROIC(5y)0.31%
STWD Yearly ROA, ROE, ROICSTWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.18%, STWD is in the better half of the industry, outperforming 72.06% of the companies in the same industry.
  • STWD's Profit Margin has declined in the last couple of years.
  • STWD has a worse Operating Margin (5.94%) than 70.59% of its industry peers.
  • STWD's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 25.54%, STWD is doing worse than 63.24% of the companies in the same industry.
  • STWD's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 5.94%
PM (TTM) 21.18%
GM 25.54%
OM growth 3Y-48.24%
OM growth 5Y-17.38%
PM growth 3Y-18.04%
PM growth 5Y-5.92%
GM growth 3Y-23.89%
GM growth 5Y-13.73%
STWD Yearly Profit, Operating, Gross MarginsSTWD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. STWD Health Analysis

2.1 Basic Checks

  • STWD 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 STWD has been increased compared to 1 year ago.
  • The number of shares outstanding for STWD has been increased compared to 5 years ago.
  • Compared to 1 year ago, STWD has a worse debt to assets ratio.
STWD Yearly Shares OutstandingSTWD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
STWD Yearly Total Debt VS Total AssetsSTWD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • STWD has an Altman-Z score of 0.08. This is a bad value and indicates that STWD is not financially healthy and even has some risk of bankruptcy.
  • STWD has a better Altman-Z score (0.08) than 76.47% of its industry peers.
  • STWD has a debt to FCF ratio of 22.59. This is a negative value and a sign of low solvency as STWD would need 22.59 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 22.59, STWD belongs to the top of the industry, outperforming 91.18% of the companies in the same industry.
  • A Debt/Equity ratio of 3.25 is on the high side and indicates that STWD has dependencies on debt financing.
  • STWD has a Debt to Equity ratio of 3.25. This is in the better half of the industry: STWD outperforms 73.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.25
Debt/FCF 22.59
Altman-Z 0.08
ROIC/WACC0.02
WACC6%
STWD Yearly LT Debt VS Equity VS FCFSTWD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

2.3 Liquidity

  • A Current Ratio of 0.38 indicates that STWD may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.38, STWD is in the better half of the industry, outperforming 69.12% of the companies in the same industry.
  • STWD has a Quick Ratio of 0.38. This is a bad value and indicates that STWD is not financially healthy enough and could expect problems in meeting its short term obligations.
  • STWD's Quick ratio of 0.38 is fine compared to the rest of the industry. STWD outperforms 69.12% of its industry peers.
Industry RankSector Rank
Current Ratio 0.38
Quick Ratio 0.38
STWD Yearly Current Assets VS Current LiabilitesSTWD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. STWD Growth Analysis

3.1 Past

  • STWD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.26%.
  • STWD shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.00% yearly.
  • STWD shows a decrease in Revenue. In the last year, the revenue decreased by -4.47%.
  • STWD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.82% yearly.
EPS 1Y (TTM)-16.26%
EPS 3Y-9.32%
EPS 5Y-3%
EPS Q2Q%-12.5%
Revenue 1Y (TTM)-4.47%
Revenue growth 3Y-5.07%
Revenue growth 5Y10.82%
Sales Q2Q%8.49%

3.2 Future

  • Based on estimates for the next years, STWD will show a small growth in Earnings Per Share. The EPS will grow by 6.62% on average per year.
  • The Revenue is expected to grow by 11.77% on average over the next years. This is quite good.
EPS Next Y7.93%
EPS Next 2Y9.13%
EPS Next 3Y6.62%
EPS Next 5YN/A
Revenue Next Year12.41%
Revenue Next 2Y15.01%
Revenue Next 3Y11.77%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
STWD Yearly Revenue VS EstimatesSTWD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
STWD Yearly EPS VS EstimatesSTWD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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6

4. STWD Valuation Analysis

4.1 Price/Earnings Ratio

  • STWD is valuated reasonably with a Price/Earnings ratio of 10.46.
  • Based on the Price/Earnings ratio, STWD is valued a bit cheaper than 64.71% of the companies in the same industry.
  • STWD is valuated cheaply when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.69, the valuation of STWD can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as STWD.
  • When comparing the Price/Forward Earnings ratio of STWD to the average of the S&P500 Index (24.04), we can say STWD is valued rather cheaply.
Industry RankSector Rank
PE 10.46
Fwd PE 9.69
STWD Price Earnings VS Forward Price EarningsSTWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, STWD is valued a bit cheaper than the industry average as 67.65% of the companies are valued more expensively.
  • 88.24% of the companies in the same industry are more expensive than STWD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.74
EV/EBITDA 136.8
STWD Per share dataSTWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • STWD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.32
PEG (5Y)N/A
EPS Next 2Y9.13%
EPS Next 3Y6.62%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. STWD Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.64%, STWD is a good candidate for dividend investing.
  • STWD's Dividend Yield is comparable with the industry average which is at 11.36.
  • Compared to an average S&P500 Dividend Yield of 1.91, STWD pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.64%

5.2 History

  • The dividend of STWD decreases each year by -0.41%.
  • STWD has paid a dividend for at least 10 years, which is 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)-0.41%
Div Incr Years0
Div Non Decr Years15
STWD Yearly Dividends per shareSTWD Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • STWD pays out 166.23% of its income as dividend. This is not a sustainable payout ratio.
DP166.23%
EPS Next 2Y9.13%
EPS Next 3Y6.62%
STWD Yearly Income VS Free CF VS DividendSTWD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B -1B
STWD Dividend Payout.STWD Dividend Payout, showing the Payout Ratio.STWD Dividend Payout.PayoutRetained Earnings

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STWD Fundamentals: All Metrics, Ratios and Statistics

STARWOOD PROPERTY TRUST INC

NYSE:STWD (3/17/2026, 3:42:58 PM)

17.775

+0.24 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-07
Inst Owners53.88%
Inst Owner Change-13.14%
Ins Owners5.47%
Ins Owner Change0.32%
Market Cap6.59B
Revenue(TTM)1.90B
Net Income(TTM)402.36M
Analysts78.67
Price Target21.71 (22.14%)
Short Float %3.74%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 10.64%
Yearly Dividend1.89
Dividend Growth(5Y)-0.41%
DP166.23%
Div Incr Years0
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.42%
Min EPS beat(2)-10.87%
Max EPS beat(2)-1.96%
EPS beat(4)1
Avg EPS beat(4)-0.96%
Min EPS beat(4)-10.87%
Max EPS beat(4)10.58%
EPS beat(8)4
Avg EPS beat(8)2.14%
EPS beat(12)6
Avg EPS beat(12)2.76%
EPS beat(16)7
Avg EPS beat(16)4.41%
Revenue beat(2)1
Avg Revenue beat(2)0.06%
Min Revenue beat(2)-1.2%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-3.34%
Min Revenue beat(4)-9.5%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-4.34%
Revenue beat(12)1
Avg Revenue beat(12)-5.63%
Revenue beat(16)5
Avg Revenue beat(16)18.95%
PT rev (1m)0%
PT rev (3m)-1.76%
EPS NQ rev (1m)-2.46%
EPS NQ rev (3m)-2.02%
EPS NY rev (1m)-1.89%
EPS NY rev (3m)-1.98%
Revenue NQ rev (1m)4.14%
Revenue NQ rev (3m)4.14%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)18.3%
Valuation
Industry RankSector Rank
PE 10.46
Fwd PE 9.69
P/S 3.47
P/FCF 6.74
P/OCF 6.74
P/B 0.97
P/tB 1.08
EV/EBITDA 136.8
EPS(TTM)1.7
EY9.56%
EPS(NY)1.83
Fwd EY10.32%
FCF(TTM)2.64
FCFY14.85%
OCF(TTM)2.64
OCFY14.85%
SpS5.13
BVpS18.34
TBVpS16.46
PEG (NY)1.32
PEG (5Y)N/A
Graham Number26.48
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 5.92%
ROCE 0.18%
ROIC 0.14%
ROICexc 0.14%
ROICexgc 0.34%
OM 5.94%
PM (TTM) 21.18%
GM 25.54%
FCFM 51.48%
ROA(3y)0.56%
ROA(5y)0.66%
ROE(3y)5.57%
ROE(5y)7.44%
ROIC(3y)0.14%
ROIC(5y)0.31%
ROICexc(3y)0.14%
ROICexc(5y)0.31%
ROICexgc(3y)0.39%
ROICexgc(5y)0.97%
ROCE(3y)0.18%
ROCE(5y)0.41%
ROICexgc growth 3Y-51.72%
ROICexgc growth 5Y-18.12%
ROICexc growth 3Y-46.89%
ROICexc growth 5Y-3.66%
OM growth 3Y-48.24%
OM growth 5Y-17.38%
PM growth 3Y-18.04%
PM growth 5Y-5.92%
GM growth 3Y-23.89%
GM growth 5Y-13.73%
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.25
Debt/FCF 22.59
Debt/EBITDA 111.79
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.09
Cash Conversion 494.75%
Profit Quality 243.03%
Current Ratio 0.38
Quick Ratio 0.38
Altman-Z 0.08
F-Score6
WACC6%
ROIC/WACC0.02
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)195.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.26%
EPS 3Y-9.32%
EPS 5Y-3%
EPS Q2Q%-12.5%
EPS Next Y7.93%
EPS Next 2Y9.13%
EPS Next 3Y6.62%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.47%
Revenue growth 3Y-5.07%
Revenue growth 5Y10.82%
Sales Q2Q%8.49%
Revenue Next Year12.41%
Revenue Next 2Y15.01%
Revenue Next 3Y11.77%
Revenue Next 5YN/A
EBIT growth 1Y1716.03%
EBIT growth 3Y-50.86%
EBIT growth 5Y-8.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y51.23%
FCF growth 3Y66.01%
FCF growth 5Y-1.33%
OCF growth 1Y51.23%
OCF growth 3Y66.01%
OCF growth 5Y-1.33%

STARWOOD PROPERTY TRUST INC / STWD Fundamental Analysis FAQ

What is the fundamental rating for STWD stock?

ChartMill assigns a fundamental rating of 4 / 10 to STWD.


What is the valuation status for STWD stock?

ChartMill assigns a valuation rating of 6 / 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 3 / 10.


Can you provide the financial health for STWD stock?

The financial health rating of STARWOOD PROPERTY TRUST INC (STWD) is 3 / 10.


Can you provide the dividend sustainability for STWD stock?

The dividend rating of STARWOOD PROPERTY TRUST INC (STWD) is 5 / 10 and the dividend payout ratio is 166.23%.