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CCS vs LTC

CCS
Century Communities, Inc.
NEUTRAL
Price
$59.81
Market Cap
$1.72B
Sector
Real Estate
AI Confidence
85%
LTC
LTC Properties, Inc.
BEARISH
Price
$38.24
Market Cap
$1.89B
Sector
Real Estate
AI Confidence
85%

Valuation

P/E Ratio
CCS
13.47
LTC
15.17
Forward P/E
CCS
14.59
LTC
23.75
P/B Ratio
CCS
0.67
LTC
1.95
P/S Ratio
CCS
0.43
LTC
7.35
EV/EBITDA
CCS
15.15
LTC
19.38

Profitability

Gross Margin
CCS
17.1%
LTC
72.28%
Operating Margin
CCS
4.26%
LTC
52.87%
Profit Margin
CCS
3.31%
LTC
45.79%
ROE
CCS
5.17%
LTC
11.18%
ROA
CCS
2.54%
LTC
2.37%

Growth

Revenue Growth
CCS
-12.6%
LTC
-19.0%
Earnings Growth
CCS
-33.6%
LTC
-54.4%

Financial Health

Debt/Equity
CCS
0.6
LTC
0.85
Current Ratio
CCS
5.17
LTC
17.97
Quick Ratio
CCS
0.16
LTC
16.93

Dividends

Dividend Yield
CCS
1.99%
LTC
5.96%
Payout Ratio
CCS
26.8%
LTC
90.48%

AI Verdict

CCS NEUTRAL

Century Communities presents a classic value-trap profile, characterized by a weak Piotroski F-Score of 2/9 indicating deteriorating financial health. While the stock is fundamentally cheap relative to its book value (P/B 0.67) and Graham Number ($94.41), this is offset by severe contractions in revenue (-12.6%) and earnings (-33.6%). The divergence between the growth-based intrinsic value ($31.08) and the current price suggests the market is pricing in a recovery that is not yet supported by the data. Despite analyst 'buy' ratings, the combination of bearish insider selling and negative growth trends warrants a cautious approach.

Strengths
Significant undervaluation relative to book value (P/B 0.67)
Strong defensive valuation based on Graham Number ($94.41)
Low Debt/Equity ratio (0.60) compared to sector averages
Risks
Severe deterioration in financial health (Piotroski F-Score 2/9)
Sharp decline in YoY revenue (-12.6%) and earnings (-33.6%)
Extremely low quick ratio (0.16), indicating high dependency on inventory liquidation
LTC BEARISH

LTC exhibits a stable but mediocre Piotroski F-Score of 4/9, while trading at a significant premium to both its Graham Number ($33.36) and Intrinsic Value ($17.64). The company is facing severe fundamental headwinds, evidenced by a -54.40% YoY earnings collapse and a -19.00% revenue decline. With a technical trend score of 0/100 and a forward P/E (23.75) significantly higher than its current P/E (15.17), the market is pricing in a recovery that is not yet supported by the data. The high dividend payout ratio of 90.48% creates a sustainability risk given the current earnings trajectory.

Strengths
Strong profit margins (45.79% Profit Margin, 72.28% Gross Margin)
Conservative leverage with a Debt/Equity ratio of 0.85
Extremely high liquidity indicated by a Current Ratio of 17.97
Risks
Severe earnings contraction (-54.40% YoY)
Significant overvaluation relative to intrinsic value ($38.24 vs $17.64)
Unsustainable dividend payout ratio (90.48%)

Compare Another Pair

CCS vs LTC: Head-to-Head Comparison

This page compares Century Communities, Inc. (CCS) and LTC Properties, Inc. (LTC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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