📊 LADR Key Takeaways
Is Ladder Capital Corp (LADR) a Good Investment?
Despite exceptional 190% revenue growth, Ladder Capital exhibits severe underlying fundamental deterioration. Negative operating cash flow, interest coverage of 0.1x (indicating acute debt service distress), and declining net income despite revenue surge suggest poor earnings quality and unsustainable leverage.
Ladder shows a sharp rebound in revenue and solid free cash flow generation, but profitability has deteriorated with EPS down ~41% YoY and very thin interest coverage. Leverage is typical for a mortgage REIT, yet low cash and high debt combined with 1.1x coverage make earnings and liquidity sensitive to credit and rate conditions.
Ladder Capital Corp Key Strengths (LADR)
- Strong top-line revenue growth of 190% YoY
- Substantial asset base of $5.6B providing operational scale
- Significant market presence in commercial real estate lending sector
- Significant revenue rebound (+190% YoY)
- Positive operating cash flow and strong FCF margin
- Sizable equity base supporting a 24% net margin
LADR Stock Risks: Ladder Capital Corp Investment Risks
- Operating cash flow is negative at -8.0M despite revenue growth, indicating earnings quality issues
- Interest coverage ratio of 0.1x reflects acute distress; company barely covering debt service obligations
- High leverage with Debt/Equity of 2.23x and $3.2B long-term debt against $1.4B equity creates refinancing risk
- Net income declined 40.7% YoY contradicting revenue growth, signaling unsustainable or non-recurring revenue
- ROE of 0.2% and ROA of 0.0% demonstrate catastrophically poor capital efficiency
- Very thin interest coverage (1.1x) heightens rate sensitivity
- Net income and EPS down ~41% YoY indicate margin/credit pressure
- High long-term debt with low cash raises refinancing/liquidity risk
Key Metrics to Watch
- Operating cash flow sustainability and path to positive territory
- Interest coverage ratio and debt service capacity
- Debt refinancing schedule and ability to access capital markets
- Interest coverage ratio
- Credit losses/impairments and nonaccruals
Ladder Capital Corp (LADR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
LADR Profit Margin, ROE & Profitability Analysis
LADR vs Real Estate Sector: How Ladder Capital Corp Compares
How Ladder Capital Corp compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Ladder Capital Corp Stock Overvalued? LADR Valuation Analysis 2026
Based on fundamental analysis, Ladder Capital Corp shows some fundamental concerns relative to the Real Estate 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.
Ladder Capital Corp Balance Sheet: LADR Debt, Cash & Liquidity
LADR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Ladder Capital Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.81 reflects profitable operations.
LADR Revenue Growth, EPS Growth & YoY Performance
Ladder Capital Corp Dividends, Buybacks & Capital Allocation
LADR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Ladder Capital Corp (CIK: 0001577670)
📋 Recent SEC Filings
❓ Frequently Asked Questions about LADR
What is the AI rating for LADR?
Ladder Capital Corp (LADR) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are LADR's key strengths?
Claude: Strong top-line revenue growth of 190% YoY. Substantial asset base of $5.6B providing operational scale. ChatGPT: Significant revenue rebound (+190% YoY). Positive operating cash flow and strong FCF margin.
What are the risks of investing in LADR?
Claude: Operating cash flow is negative at -8.0M despite revenue growth, indicating earnings quality issues. Interest coverage ratio of 0.1x reflects acute distress; company barely covering debt service obligations. ChatGPT: Very thin interest coverage (1.1x) heightens rate sensitivity. Net income and EPS down ~41% YoY indicate margin/credit pressure.
What is LADR's revenue and growth?
Ladder Capital Corp reported revenue of $74.2M.
Does LADR pay dividends?
Ladder Capital Corp does not currently pay dividends.
Where can I find LADR SEC filings?
Official SEC filings for Ladder Capital Corp (CIK: 0001577670) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is LADR's EPS?
Ladder Capital Corp has a diluted EPS of $0.02.
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 grade reflects both perspectives for balanced insights.
What is LADR's fundamental grade?
Based on our AI fundamental analysis in May 2026, Ladder Capital Corp has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is LADR stock overvalued or undervalued?
Valuation metrics for LADR: ROE of 0.2% (sector avg: 8%), net margin of 3.5% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
What is LADR's AI grade for 2026?
Our dual AI analysis gives Ladder Capital Corp a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is LADR's free cash flow?
Ladder Capital Corp's operating cash flow is $-8.0M, with capital expenditures of $0.0. FCF margin is -10.8%.
How does LADR compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 3.5% (avg: 20%), ROE 0.2% (avg: 8%), current ratio N/A (avg: 1.5).
Is Ladder Capital Corp carrying too much debt?
LADR has a debt-to-equity ratio of 2.23x, which is above the Real Estate sector average of 1.5x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.