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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#4504
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Trading
$140M
John A. Taylor
Granite Point Mortgage Trust Inc. originates, invests in, and manages senior floating-rate commercial mortgage loans. The company provides intermediate-term bridge or transitional financing for various purposes, including acquisitions, recapitalizations, and refinancing. As of December 31, 2021, its investment portfolio includes 105 commercial real estate loan investments.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = GPMT ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$GPMT Granite Point Mortgage Trust Inc. | 30 | 34 | 45 | 11 | - | 0.9x | -8.3% | -2.7% | 100.0% | 61.7% | -30.1% | -30.4% | 6.8% | 210.0x | $140M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Granite Point Mortgage Trust Inc. (GPMT) receives a "Avoid" rating with a composite score of 30.3/100. It ranks #4504 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for GPMT.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 34 | 65 | -31DRAG |
| MOMENTUM | 11 | 5 | +6ALPHA |
| VALUATION | 45 | 54 | -9DRAG |
| INVESTMENT | 24 | 14 | +10ALPHA |
| STABILITY | 16 | 8 | +8ALPHA |
| SHORT INT | 52 | 62 | -10DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 101.3% vs WACC 16.6% (spread +84.7%)
GM 100% vs sector 78%, OM 62% vs sector 18%
Capital turnover 2.03x
Rev growth -30%, 9yr history
Interest coverage 0.9x, Net debt/EBITDA 0.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Granite Point Mortgage Trust Inc. (GPMT) as Avoid with a composite score of 30.3/100 at a current price of $1.74. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
Granite Point Mortgage Trust Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 30.3/100 places it at rank #4504 in our full universe.
Narrow
Very High
Poor
Fair Value
Gross margins of 100% signal strong pricing power.
Stable competitive position in a defensive sector.
Leverage of 210% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Below-average quality raises earnings sustainability concerns.
Granite Point Mortgage Trust Inc. represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags Granite Point Mortgage Trust Inc. with an Avoid rating, assigning a composite score of 30.3/100 and 1 out of 5 stars. Ranked #4504 of 7,333 stocks, GPMT falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
GPMT's quality score of 34/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of -8.3% (sector avg: 9.0%), gross margins of 100.0% (sector avg: 77.7%), net margins of -30.1% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, GPMT appears somewhat expensive relative to its fundamentals. Key valuation metrics include an EV/EBITDA of 0.87x, a P/B ratio of 0.14x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
Granite Point Mortgage Trust Inc.'s investment score of 24/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -30.4% vs. a sector average of 10.7% and a return on assets of -2.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Granite Point Mortgage Trust Inc. is experiencing notably weak momentum with a score of just 11/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at -30.4% year-over-year, while a beta of 1.38 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
Granite Point Mortgage Trust Inc. registers a low stability score of 16/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 1.38 and a debt-to-equity ratio of 210.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 52/100 for GPMT suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include above-average market sensitivity (beta: 1.38), elevated leverage (D/E: 210.00x), micro-cap liquidity risk. With a $140M market cap (micro-cap), Granite Point Mortgage Trust Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Granite Point Mortgage Trust Inc. offers an attractive dividend yield of 6.8%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
Granite Point Mortgage Trust Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #4504 of 7,333 overall (39th percentile). Key comparisons include ROE of -8.3% trailing the 9.0% sector median and operating margins of 61.7% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While GPMT currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Momentum (11) would have the largest impact on the composite score.
EV/EBITDA 89% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 192% BELOW SECTOR MEDIAN
Gross Margin 29% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
A lender for Nightingale Properties, Granite Point Mortgage Trust, has taken over a Miami Beach building known as Lincoln Place, following the downfall of Nightingale CEO Elie Schwartz. Schwartz pleaded guilty to wire fraud in a crowdfunding scheme, part of which involved funds meant for recapitalizing Lincoln Place. Brokers anticipate that Granite Point will likely sell the property at a discount, despite strong demand for office space in the area.
The estate of late porn magnate Richard Basciano has secured approximately $74 million in refinancing for two Times Square properties, 303 West 42nd Street and 300 West 43rd Street. Granite Point Mortgage Trust Inc. provided the financing, which includes a $26.2 million project loan and a $35 million building loan. These deals come after plans were filed to convert the long-time home of Show World Center into office buildings.
Granite Point Mortgage Trust is showing signs of operational recovery, with improved net interest income and a de-risked balance sheet. The author recommends the Series A preferred shares (GPMT.PR.A) due to their attractive yield and potential reset to 11.6% if SOFR remains high, while rating the common shares as a speculative buy. The company specializes in originating and investing in floating-rate commercial mortgage loans.
Granite Point Mortgage Trust Inc. (GPMT) has announced the tax treatment information for its common and preferred stock dividends declared in 2025. This includes detailed tables for both common (CUSIP #38741L107) and Preferred Series A (CUSIP #38741l305) shares, outlining declaration, record, and payable dates, along with classifications for ordinary dividends and other tax-relevant categories. The company advises stockholders to consult their tax advisors for personalized guidance.
Granite Point Mortgage Trust (GPMT) recorded negative distributable earnings of $0.40 per share in the third quarter, increasing the risk to its 7.25% dividend yield. The mREIT's book value per share decreased to $7.94, with its common shares currently trading at a significant 65% discount. However, GPMT's Series A Preferreds have seen their discount narrow and offer an 8.86% fixed dividend yield.