STARWOOD PROPERTY TRUST INC (STWD) Stock Fundamental Analysis

NYSE:STWD • US85571B1052

18.06 USD
+0.05 (+0.28%)
At close: Feb 20, 2026
18.06 USD
0 (0%)
After Hours: 2/20/2026, 4:15:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall STWD gets a fundamental rating of 4 out of 10. We evaluated STWD against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. STWD has only an average score on both its financial health and profitability. STWD is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year STWD was profitable.
  • STWD had a positive operating cash flow in the past year.
  • In the past 5 years STWD has always 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 0 500M -500M 1B -1B

1.2 Ratios

  • STWD has a Return On Assets of 0.57%. This is in the better half of the industry: STWD outperforms 61.43% of its industry peers.
  • STWD has a better Return On Equity (5.21%) than 71.43% of its industry peers.
  • STWD has a worse Return On Invested Capital (0.09%) than 72.86% of its industry peers.
  • STWD had an Average Return On Invested Capital over the past 3 years of 0.41%. This is in line with the industry average of 1.26%.
Industry RankSector 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%
STWD Yearly ROA, ROE, ROICSTWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of STWD (19.32%) is better than 87.14% of its industry peers.
  • STWD's Profit Margin has declined in the last couple of years.
  • The Operating Margin of STWD (3.71%) is worse than 70.00% of its industry peers.
  • In the last couple of years the Operating Margin of STWD has declined.
  • STWD's Gross Margin of 24.47% is on the low side compared to the rest of the industry. STWD is outperformed by 62.86% of its industry peers.
  • In the last couple of years the Gross Margin of STWD has declined.
Industry RankSector 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%
STWD Yearly Profit, Operating, Gross MarginsSTWD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), STWD is destroying value.
  • The number of shares outstanding for STWD has been increased compared to 1 year ago.
  • Compared to 5 years ago, STWD has more shares outstanding
  • Compared to 1 year ago, STWD has an improved debt to assets ratio.
STWD Yearly Shares OutstandingSTWD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

2.2 Solvency

  • STWD has an Altman-Z score of 0.10. This is a bad value and indicates that STWD is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of STWD (0.10) is better than 77.14% of its industry peers.
  • STWD has a debt to FCF ratio of 27.31. This is a negative value and a sign of low solvency as STWD would need 27.31 years to pay back of all of its debts.
  • The Debt to FCF ratio of STWD (27.31) is better than 85.71% of its industry peers.
  • STWD has a Debt/Equity ratio of 3.12. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 3.12, STWD is in the better half of the industry, outperforming 72.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.12
Debt/FCF 27.31
Altman-Z 0.1
ROIC/WACC0.01
WACC6.5%
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 0 5B 10B 15B

2.3 Liquidity

  • STWD has a Current Ratio of 0.45. This is a bad value and indicates that STWD is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.45, STWD is doing good in the industry, outperforming 65.71% of the companies in the same industry.
  • A Quick Ratio of 0.45 indicates that STWD may have some problems paying its short term obligations.
  • STWD has a Quick ratio of 0.45. This is in the better half of the industry: STWD outperforms 65.71% of its industry peers.
Industry RankSector Rank
Current Ratio 0.45
Quick Ratio 0.45
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 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

3

3. Growth

3.1 Past

  • The earnings per share for STWD have decreased strongly by -17.37% in the last year.
  • Looking at the last year, STWD shows a very negative growth in Revenue. The Revenue has decreased by -11.42% in the last year.
  • The Revenue has been growing by 10.69% on average over the past years. This is quite good.
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 grow by 0.16% on average over the next years.
  • Based on estimates for the next years, STWD will show a small growth in Revenue. The Revenue will grow by 4.94% on average per year.
EPS Next Y-15.08%
EPS Next 2Y-4.02%
EPS Next 3Y0.16%
EPS Next 5YN/A
Revenue Next Year-8.52%
Revenue Next 2Y1.29%
Revenue Next 3Y4.94%
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.
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 500M 1B 1.5B 2B
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 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.26, the valuation of STWD can be described as very reasonable.
  • Based on the Price/Earnings ratio, STWD is valued a bit cheaper than 65.71% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of STWD to the average of the S&P500 Index (27.09), we can say STWD is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.66, the valuation of STWD can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of STWD is on the same level as its industry peers.
  • STWD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.98.
Industry RankSector Rank
PE 10.26
Fwd PE 9.66
STWD Price Earnings VS Forward Price EarningsSTWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, STWD is valued a bit cheaper than the industry average as 72.86% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, STWD is valued a bit cheaper than 78.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.52
EV/EBITDA 206.51
STWD Per share dataSTWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.02%
EPS Next 3Y0.16%

More info and screens

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

6

5. Dividend

5.1 Amount

  • STWD has a Yearly Dividend Yield of 10.63%, which is a nice return.
  • Compared to an average industry Dividend Yield of 10.30, STWD pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, STWD pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.63%

5.2 History

  • The dividend of STWD decreases each year by -0.25%.
  • 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)-0.25%
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

  • 182.62% of the earnings are spent on dividend by STWD. This is not a sustainable payout ratio.
DP182.62%
EPS Next 2Y-4.02%
EPS Next 3Y0.16%
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 0 500M -500M 1B -1B
STWD Dividend Payout.STWD Dividend Payout, showing the Payout Ratio.STWD Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

STARWOOD PROPERTY TRUST INC

NYSE:STWD (2/20/2026, 4:15:00 PM)

After market: 18.06 0 (0%)

18.06

+0.05 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-10
Earnings (Next)02-25
Inst Owners53.88%
Inst Owner Change-13.47%
Ins Owners5.47%
Ins Owner Change0.32%
Market Cap6.69B
Revenue(TTM)1.85B
Net Income(TTM)357.82M
Analysts78.67
Price Target21.71 (20.21%)
Short Float %3.4%
Short Ratio3.34
Dividend
Industry RankSector Rank
Dividend Yield 10.63%
Yearly Dividend1.91
Dividend Growth(5Y)-0.25%
DP182.62%
Div Incr Years0
Div Non Decr Years15
Ex-DateN/A
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)-1.38%
PT rev (3m)-3.25%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)-8.94%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE 10.26
Fwd PE 9.66
P/S 3.61
P/FCF 8.52
P/OCF 8.52
P/B 0.97
P/tB 1.08
EV/EBITDA 206.51
EPS(TTM)1.76
EY9.75%
EPS(NY)1.87
Fwd EY10.35%
FCF(TTM)2.12
FCFY11.73%
OCF(TTM)2.12
OCFY11.73%
SpS5
BVpS18.54
TBVpS16.67
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.09
Profitability
Industry RankSector 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 RankSector 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
WACC6.5%
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-4.02%
EPS Next 3Y0.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.42%
Revenue growth 3Y19.11%
Revenue growth 5Y10.69%
Sales Q2Q%1.95%
Revenue Next Year-8.52%
Revenue Next 2Y1.29%
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.


What is the valuation status for STWD stock?

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 financial health for STWD stock?

The financial health rating of STARWOOD PROPERTY TRUST INC (STWD) is 4 / 10.


Can you provide the dividend sustainability for STWD stock?

The dividend rating of STARWOOD PROPERTY TRUST INC (STWD) is 6 / 10 and the dividend payout ratio is 182.62%.