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LADR

BEARISH
$10.48 Live
Ladder Capital Corp · NYSE
Target $12.32 (+17.6%)
$9.61 52W Range $11.92

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AI Analysis

AI-powered fundamental assessment

Confidence
85%
LADR exhibits significant financial fragility, highlighted by a weak Piotroski F-Score of 2/9 and a severe YoY earnings contraction of -77.80%. While the current price of $10.48 aligns closely with the Graham Number ($10.59), it trades at a massive premium to its growth-based intrinsic value of $3.08. The most critical concern is the unsustainable dividend payout ratio of 209.09%, indicating that the 8.78% yield is likely funded by capital or debt rather than earnings. Despite analyst 'buy' ratings, the combination of a 0/100 technical trend and deteriorating fundamentals suggests a value trap.

Key Strengths

Trading slightly below book value (P/B 0.92)
Strong gross profit margins (70.47%)
Extremely high current ratio (35.08) suggesting short-term liquidity
Positive long-term price performance (5Y Change +32.4%)
Consistent historical earnings beats prior to the last 4 quarters

Key Risks

Unsustainable dividend payout ratio (209.09%)
Severe earnings collapse (-77.80% YoY)
Weak financial health as indicated by Piotroski F-Score (2/9)
High leverage with a Debt/Equity ratio of 2.79
Bearish technical momentum (0/100 trend score)
AI Fair Value Estimate
Based on comprehensive analysis
$6.84
-34.7% below current price

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