📊 LTC Key Takeaways
Is Ltc Properties Inc. (LTC) a Good Investment?
LTC Properties demonstrates strong operational fundamentals with 25.3% YoY revenue growth, excellent 59.1% operating margins, and robust 32.2% FCF margins, supported by adequate 5.1x interest coverage and moderate 0.78x leverage. However, net income declined 5.3% YoY despite revenue expansion, signaling margin compression or rising expenses, compounded by a concerning $21.7M cash position relative to company size and significant debt obligations.
LTC exhibits strong operating profitability (78% operating margin) and robust cash generation (52% FCF margin) with moderate leverage and very high interest coverage, indicating durable financial health. Revenue growth is solid (+25% YoY) and ROE is healthy for a REIT, though the YoY decline in net income suggests some volatility likely tied to non-cash or timing items. Overall fundamentals support continued earnings capacity, contingent on tenant health and sustaining AFFO.
Ltc Properties Inc. Key Strengths (LTC)
- Strong revenue growth of 25.3% YoY with high operating margins of 59.1% demonstrating pricing power
- Excellent free cash flow generation at $30.8M with 32.2% FCF margin, indicating strong cash conversion
- Moderate leverage at 0.78x Debt/Equity with 5.1x interest coverage, appropriate for REIT sector
- High operating and net margins with strong cash conversion
- Moderate leverage with excellent 18.5x interest coverage
- Solid ROE alongside double-digit revenue growth
LTC Stock Risks: Ltc Properties Inc. Investment Risks
- Net income declined 5.3% YoY despite 25.3% revenue growth, indicating margin compression and potential cost structure issues
- Low cash position of $21.7M relative to $2.1B asset base raises liquidity concerns for debt service and unexpected needs
- Weak return metrics (ROE 2.1%, ROA 1.1%) suggest inefficient capital deployment despite growth, with EPS growth driven by share repurchases not earnings expansion
- Earnings volatility/one-time items evidenced by YoY net income decline
- Tenant/operator concentration and reimbursement exposure in healthcare
- Refinancing and rate risk impacting future interest expense and asset values
Key Metrics to Watch
- Trend in net income and operating margins relative to revenue growth
- Cash balance adequacy and operating cash flow sustainability
- Debt/Equity ratio and interest coverage ratios
- Property portfolio occupancy rates and tenant credit quality
- Free cash flow to dividend payout ratio
- AFFO per share
- Tenant concentration and rent coverage
Ltc Properties Inc. (LTC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 32.2% 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.
LTC Profit Margin, ROE & Profitability Analysis
LTC vs Real Estate Sector: How Ltc Properties Inc. Compares
How Ltc Properties Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Ltc Properties Inc. Stock Overvalued? LTC Valuation Analysis 2026
Based on fundamental analysis, Ltc Properties Inc. has mixed fundamental signals 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.
Ltc Properties Inc. Balance Sheet: LTC Debt, Cash & Liquidity
LTC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Ltc Properties Inc.'s revenue has grown significantly by 42% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.16 reflects profitable operations.
LTC Revenue Growth, EPS Growth & YoY Performance
LTC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $49.0M | $20.7M | $0.45 |
| Q3 2025 | $55.8M | $15.8M | $0.33 |
| Q2 2025 | $50.1M | $15.1M | $0.32 |
| Q1 2025 | $49.0M | $20.7M | $0.45 |
| Q3 2024 | $49.3M | $22.2M | $0.54 |
| Q2 2024 | $48.2M | $6.2M | $0.15 |
| Q1 2024 | $49.5M | $24.2M | $0.56 |
| Q3 2023 | $43.5M | $13.3M | $0.32 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Ltc Properties Inc. Dividends, Buybacks & Capital Allocation
LTC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Ltc Properties Inc. (CIK: 0000887905)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 22, 2026 | 4 | xslF345X06/form4-05222026_110542.xml | View → |
| May 22, 2026 | 4 | xslF345X06/form4-05222026_110506.xml | View → |
| May 22, 2026 | 4 | xslF345X06/form4-05222026_110519.xml | View → |
| May 22, 2026 | 4 | xslF345X06/form4-05222026_110532.xml | View → |
| May 22, 2026 | 4 | xslF345X06/form4-05222026_110549.xml | View → |
❓ Frequently Asked Questions about LTC
What is the AI rating for LTC?
Ltc Properties Inc. (LTC) has a Combined AI Grade of A from Claude (B) and ChatGPT (A) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are LTC's key strengths?
Claude: Strong revenue growth of 25.3% YoY with high operating margins of 59.1% demonstrating pricing power. Excellent free cash flow generation at $30.8M with 32.2% FCF margin, indicating strong cash conversion. ChatGPT: High operating and net margins with strong cash conversion. Moderate leverage with excellent 18.5x interest coverage.
What are the risks of investing in LTC?
Claude: Net income declined 5.3% YoY despite 25.3% revenue growth, indicating margin compression and potential cost structure issues. Low cash position of $21.7M relative to $2.1B asset base raises liquidity concerns for debt service and unexpected needs. ChatGPT: Earnings volatility/one-time items evidenced by YoY net income decline. Tenant/operator concentration and reimbursement exposure in healthcare.
What is LTC's revenue and growth?
Ltc Properties Inc. reported revenue of $95.4M.
Does LTC pay dividends?
Ltc Properties Inc. pays dividends, with $29.2M distributed to shareholders in the trailing twelve months.
Where can I find LTC SEC filings?
Official SEC filings for Ltc Properties Inc. (CIK: 0000887905) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is LTC's EPS?
Ltc Properties Inc. has a diluted EPS of $0.48.
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 LTC's fundamental grade?
Based on our AI fundamental analysis in May 2026, Ltc Properties Inc. has a A grade with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is LTC stock overvalued or undervalued?
Valuation metrics for LTC: ROE of 2.1% (sector avg: 8%), net margin of 24.7% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
What is LTC's AI grade for 2026?
Our dual AI analysis gives Ltc Properties Inc. a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is LTC's free cash flow?
Ltc Properties Inc.'s operating cash flow is $30.8M, with capital expenditures of N/A. FCF margin is 32.2%.
How does LTC compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 24.7% (avg: 20%), ROE 2.1% (avg: 8%), current ratio N/A (avg: 1.5).