(LADR) Ladder Capital - Ratings and Ratios
Loans, Securities, Property
LADR EPS (Earnings per Share)
LADR Revenue
Description: LADR Ladder Capital August 13, 2025
Ladder Capital Corp is a Mortgage REIT operating in the United States, with a market capitalization of approximately $1.4 billion. As a Mortgage REIT, the companys primary business involves originating, investing in, and managing commercial and residential mortgage loans, as well as other real estate-related assets.
The companys financial performance is influenced by key economic drivers such as interest rates, credit spreads, and the overall health of the real estate market. Ladder Capitals revenue is primarily generated from net interest income, which is the difference between the interest earned on its mortgage assets and the interest paid on its borrowings.
To evaluate Ladder Capitals financial health and performance, key performance indicators (KPIs) such as Return on Equity (RoE), which is currently at 4.68%, and the Price-to-Earnings (P/E) ratio, which stands at 15.77, can be used. The forward P/E ratio of 9.83 suggests that the market expects the companys earnings to grow in the future.
Ladder Capitals business model is sensitive to changes in interest rates, as rising rates can increase the companys borrowing costs and potentially reduce the value of its existing mortgage assets. Conversely, a decline in interest rates can lead to increased prepayment activity, which can also impact the companys financial performance. Therefore, it is essential to closely monitor interest rate movements and their impact on the companys financials.
The Mortgage REIT sector, in which Ladder Capital operates, is highly competitive, and the companys ability to generate strong returns depends on its ability to effectively manage its assets, liabilities, and capital. The companys financial leverage, asset quality, and risk management practices are critical factors that influence its overall performance and ability to deliver returns to shareholders.
LADR Stock Overview
| Market Cap in USD | 1,365m |
| Sub-Industry | Mortgage REITs |
| IPO / Inception | 2014-02-06 |
LADR Stock Ratings
| Growth Rating | 32.0% |
| Fundamental | 44.0% |
| Dividend Rating | 72.2% |
| Return 12m vs S&P 500 | -13.6% |
| Analyst Rating | 4.33 of 5 |
LADR Dividends
| Dividend Yield 12m | 8.70% |
| Yield on Cost 5y | 16.06% |
| Annual Growth 5y | -0.54% |
| Payout Consistency | 88.3% |
| Payout Ratio | 96.8% |
LADR Growth Ratios
| Growth Correlation 3m | -68.1% |
| Growth Correlation 12m | 17.5% |
| Growth Correlation 5y | 85.9% |
| CAGR 5y | 7.14% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.31 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.14 |
| Sharpe Ratio 12m | -0.21 |
| Alpha | -16.96 |
| Beta | 1.054 |
| Volatility | 19.65% |
| Current Volume | 713.9k |
| Average Volume 20d | 722.5k |
| Stop Loss | 10.2 (-3.6%) |
| Signal | 0.76 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (79.7m TTM) > 0 and > 6% of Revenue (6% = 24.7m TTM) |
| FCFTA -0.00 (>2.0%) and ΔFCFTA -5.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -5.55% (prev 478.9%; Δ -484.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -18.5m <= Net Income 79.7m (YES >=105%, WARN >=100%) |
| Net Debt (2.93b) to EBITDA (293.8m) ratio: 9.99 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.74 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (126.1m) change vs 12m ago 0.17% (target <= -2.0% for YES) |
| Gross Margin 81.33% (prev 72.55%; Δ 8.77pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.19% (prev 4.97%; Δ 3.22pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.45 (EBITDA TTM 293.8m / Interest Expense TTM 180.1m) >= 6 (WARN >= 3) |
Altman Z'' 0.06
| (A) -0.00 = (Total Current Assets 63.9m - Total Current Liabilities 86.8m) / Total Assets 4.69b |
| (B) -0.05 = Retained Earnings (Balance) -246.7m / Total Assets 4.69b |
| (C) 0.05 = EBIT TTM 261.9m / Avg Total Assets 5.03b |
| (D) -0.08 = Book Value of Equity -249.9m / Total Liabilities 3.19b |
| Total Rating: 0.06 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 44.03
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -0.39% = -0.20 |
| 3. FCF Margin -4.11% = -1.54 |
| 4. Debt/Equity 2.00 = 0.77 |
| 5. Debt/Ebitda 9.99 = -2.50 |
| 6. ROIC - WACC (= 1.81)% = 2.26 |
| 7. RoE 5.27% = 0.44 |
| 8. Rev. Trend 10.83% = 0.81 |
| 9. EPS Trend -80.19% = -4.01 |
What is the price of LADR shares?
Over the past week, the price has changed by +0.09%, over one month by +0.86%, over three months by -2.17% and over the past year by -1.42%.
Is Ladder Capital a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LADR is around 10.99 USD . This means that LADR is currently overvalued and has a potential downside of 3.88%.
Is LADR a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the LADR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 12.6 | 19.1% |
| Analysts Target Price | 12.6 | 19.1% |
| ValueRay Target Price | 11.8 | 11.2% |
LADR Fundamental Data Overview November 06, 2025
P/E Trailing = 17.0159
P/E Forward = 9.8328
P/S = 5.8455
P/B = 0.9085
P/EG = 1.89
Beta = 1.054
Revenue TTM = 412.4m USD
EBIT TTM = 261.9m USD
EBITDA TTM = 293.8m USD
Long Term Debt = 3.07b USD (from longTermDebt, last fiscal year)
Short Term Debt = 67.2m USD (from shortTermDebt, last fiscal year)
Debt = 3.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.93b USD (from netDebt column, last quarter)
Enterprise Value = 4.31b USD (1.36b + Debt 3.00b - CCE 49.4m)
Interest Coverage Ratio = 1.45 (Ebit TTM 261.9m / Interest Expense TTM 180.1m)
FCF Yield = -0.39% (FCF TTM -17.0m / Enterprise Value 4.31b)
FCF Margin = -4.11% (FCF TTM -17.0m / Revenue TTM 412.4m)
Net Margin = 19.32% (Net Income TTM 79.7m / Revenue TTM 412.4m)
Gross Margin = 81.33% ((Revenue TTM 412.4m - Cost of Revenue TTM 77.0m) / Revenue TTM)
Gross Margin QoQ = 79.56% (prev 80.41%)
Tobins Q-Ratio = 0.92 (Enterprise Value 4.31b / Total Assets 4.69b)
Interest Expense / Debt = 1.47% (Interest Expense 44.0m / Debt 3.00b)
Taxrate = 4.77% (960.0k / 20.1m)
NOPAT = 249.4m (EBIT 261.9m * (1 - 4.77%))
Current Ratio = 0.74 (Total Current Assets 63.9m / Total Current Liabilities 86.8m)
Debt / Equity = 2.00 (Debt 3.00b / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 9.99 (Net Debt 2.93b / EBITDA 293.8m)
Debt / FCF = -173.0 (out of range, set to none) (Net Debt 2.93b / FCF TTM -17.0m)
Total Stockholder Equity = 1.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.70% (Net Income 79.7m / Total Assets 4.69b)
RoE = 5.27% (Net Income TTM 79.7m / Total Stockholder Equity 1.51b)
RoCE = 5.71% (EBIT 261.9m / Capital Employed (Equity 1.51b + L.T.Debt 3.07b))
RoIC = 5.86% (NOPAT 249.4m / Invested Capital 4.25b)
WACC = 4.06% (E(1.36b)/V(4.36b) * Re(9.90%) + D(3.00b)/V(4.36b) * Rd(1.47%) * (1-Tc(0.05)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.41%
Fair Price DCF = unknown (Cash Flow -17.0m)
EPS Correlation: -80.19 | EPS CAGR: -7.52% | SUE: 0.49 | # QB: 0
Revenue Correlation: 10.83 | Revenue CAGR: -18.20% | SUE: 0.39 | # QB: 0
Additional Sources for LADR Stock
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Fund Manager Positions: Dataroma | Stockcircle