📊 LADR Key Takeaways
Is LADR a Good Investment? Thesis Analysis
Ladder Capital demonstrates alarming fundamental deterioration with net income declining 40.7% YoY despite 190% revenue growth, indicating severe margin compression and operational distress. The critically low interest coverage ratio of 1.1x combined with $3.2B in long-term debt creates acute financial risk with minimal cushion for adverse developments.
Why Buy LADR? Key Strengths
- Exceptional revenue growth of 190.2% YoY demonstrates strong market demand and business scaling
- Robust free cash flow generation of $87.0M with 32.6% FCF margin provides operational cash backing
- Solid operating margin of 25.2% shows core business profitability despite margin compression
LADR Investment Risks to Consider
- Net income collapsed 40.7% YoY despite revenue tripling, revealing severe margin compression and underlying operational challenges
- Interest coverage ratio of 1.1x is critically low, leaving virtually no earnings cushion for deterioration, rate shocks, or loan loss provisions
- High leverage (2.18x Debt/Equity, $3.2B long-term debt) combined with weak interest coverage creates acute financial distress vulnerability
Key Metrics to Watch
- Interest Coverage Ratio - must improve to 1.5x+ minimum for financial stability
- Net Profit Margin trend - monitor if revenue growth can translate back to earnings growth
- Debt/Equity reduction - critical to deleverage toward 1.5x or below given tight interest coverage
LADR Financial Metrics
💡 AI Analyst Insight
The 32.6% 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.
LADR Profitability Ratios
LADR vs Default Sector
How Ladder Capital Corp compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is LADR Overvalued or Undervalued?
Based on fundamental analysis, Ladder Capital Corp 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.
LADR Balance Sheet & Liquidity
LADR 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
LADR Capital Allocation
LADR SEC 10-K & 10-Q Filing 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 an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are LADR's key strengths?
Claude: Exceptional revenue growth of 190.2% YoY demonstrates strong market demand and business scaling. Robust free cash flow generation of $87.0M with 32.6% FCF margin provides operational cash backing.
What are the risks of investing in LADR?
Claude: Net income collapsed 40.7% YoY despite revenue tripling, revealing severe margin compression and underlying operational challenges. Interest coverage ratio of 1.1x is critically low, leaving virtually no earnings cushion for deterioration, rate shocks, or loan loss provisions.
What is LADR's revenue and growth?
Ladder Capital Corp reported revenue of $266.9M.
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 $0.51.
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 LADR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Ladder Capital Corp has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is LADR stock overvalued or undervalued?
Valuation metrics for LADR: ROE of 4.3% (sector avg: 15%), net margin of 23.9% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy LADR stock in 2026?
Our dual AI analysis gives Ladder Capital Corp a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is LADR's free cash flow?
Ladder Capital Corp's operating cash flow is $87.0M, with capital expenditures of $0.0. FCF margin is 32.6%.
How does LADR compare to other Default stocks?
Vs Default sector averages: Net margin 23.9% (avg: 12%), ROE 4.3% (avg: 15%), current ratio N/A (avg: 1.8).