📊 LADR Key Takeaways
Is Ladder Capital Corp (LADR) a Good Investment?
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.
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.
Why Buy Ladder Capital Corp Stock? 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
- 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
- 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
- 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
- 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
- Interest coverage ratio
- Credit losses/impairments and nonaccruals
Ladder Capital Corp (LADR) Financial Metrics & Key Ratios
💡 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 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 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.
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 Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 70% combined 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. ChatGPT: Significant revenue rebound (+190% YoY). Positive operating cash flow and strong FCF margin.
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. 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 $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 70% 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: 8%), net margin of 23.9% (sector avg: 20%). 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 Real Estate stocks?
Vs Real Estate sector averages: Net margin 23.9% (avg: 20%), ROE 4.3% (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 2.18x, 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.