📊 GTY Key Takeaways
Is GTY a Good Investment? Thesis Analysis
Getty Realty demonstrates strong fundamental performance with excellent profitability (57.2% operating margin, 35.7% net margin) and outstanding free cash flow generation ($125.3M, 56.5% FCF margin), supported by solid 9.0% revenue growth. However, a concerning 2.7x interest coverage ratio and minimal cash balance ($8.4M) relative to $995M debt create refinancing risk, warranting caution despite otherwise healthy operational metrics.
Why Buy GTY? Key Strengths
- Exceptional operating margin (57.2%) and net margin (35.7%) with pricing power through triple-net leases
- Outstanding free cash flow generation of $125.3M with 56.5% FCF margin, enabling debt service and capital returns
- Solid revenue growth (9.0% YoY) with reasonable leverage (0.93x debt-to-equity) appropriate for REIT structure
- Low capital intensity ($2.2M capex) indicates mature, stable asset base with minimal replacement needs
GTY Investment Risks to Consider
- Weak interest coverage ratio (2.7x) leaves limited cushion for rate increases or operational disruption; refinancing risk in rising-rate environment
- Critically low cash balance ($8.4M) relative to $1.1B liabilities creates liquidity vulnerability and operational inflexibility
- Net income growth (4.1% YoY) significantly lagging revenue growth (9.0% YoY) suggests margin compression or operational headwinds
- Heavy debt dependency ($995M long-term debt, 0.93x D/E) limits financial flexibility and dividend sustainability if operations deteriorate
Key Metrics to Watch
- Interest coverage ratio trend and effective interest rate on debt refinancing
- Cash balance and available liquidity lines relative to debt maturities
- Operating expense trajectory and same-store NOI growth relative to tenant base quality
- Free cash flow sustainability and dividend payout ratio to equity holders
GTY Financial Metrics
💡 AI Analyst Insight
The 56.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
GTY Profitability Ratios
GTY vs Default Sector
How GETTY REALTY CORP /MD/ compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GTY Overvalued or Undervalued?
Based on fundamental analysis, GETTY REALTY CORP /MD/ has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
GTY Balance Sheet & Liquidity
GTY 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: GETTY REALTY CORP /MD/'s revenue has grown significantly by 43% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.15 reflects profitable operations.
GTY Growth Metrics (YoY)
GTY Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $51.5M | $15.3M | $0.27 |
| Q2 2025 | $49.9M | $14.0M | $0.24 |
| Q1 2025 | $49.0M | $14.8M | $0.25 |
| Q3 2024 | $50.5M | $15.3M | $0.27 |
| Q2 2024 | $44.7M | $13.5M | $0.26 |
| Q1 2024 | $43.0M | $14.1M | $0.28 |
| Q3 2023 | $42.0M | $13.3M | $0.27 |
| Q2 2023 | $41.2M | $13.5M | $0.26 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
GTY Capital Allocation
GTY SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for GETTY REALTY CORP /MD/ (CIK: 0001052752)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GTY
What is the AI rating for GTY?
GETTY REALTY CORP /MD/ (GTY) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are GTY's key strengths?
Claude: Exceptional operating margin (57.2%) and net margin (35.7%) with pricing power through triple-net leases. Outstanding free cash flow generation of $125.3M with 56.5% FCF margin, enabling debt service and capital returns.
What are the risks of investing in GTY?
Claude: Weak interest coverage ratio (2.7x) leaves limited cushion for rate increases or operational disruption; refinancing risk in rising-rate environment. Critically low cash balance ($8.4M) relative to $1.1B liabilities creates liquidity vulnerability and operational inflexibility.
What is GTY's revenue and growth?
GETTY REALTY CORP /MD/ reported revenue of $221.7M.
Does GTY pay dividends?
GETTY REALTY CORP /MD/ pays dividends, with $108.7M distributed to shareholders in the trailing twelve months.
Where can I find GTY SEC filings?
Official SEC filings for GETTY REALTY CORP /MD/ (CIK: 0001052752) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GTY's EPS?
GETTY REALTY CORP /MD/ has a diluted EPS of $1.35.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GTY a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, GETTY REALTY CORP /MD/ has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is GTY stock overvalued or undervalued?
Valuation metrics for GTY: ROE of 7.4% (sector avg: 15%), net margin of 35.7% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy GTY stock in 2026?
Our dual AI analysis gives GETTY REALTY CORP /MD/ a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is GTY's free cash flow?
GETTY REALTY CORP /MD/'s operating cash flow is $127.4M, with capital expenditures of $2.2M. FCF margin is 56.5%.
How does GTY compare to other Default stocks?
Vs Default sector averages: Net margin 35.7% (avg: 12%), ROE 7.4% (avg: 15%), current ratio N/A (avg: 1.8).