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Upturn AI Summary - About
Ladder Capital Corp Class A(LADR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LADR
10/09/2026: LADR (1-star) is currently NOT-A-BUY. Pass it for now.
Ladder Capital Corp is a commercial real estate finance company that functions as an internally managed REIT, providing loans, investment-grade CMBS, and real estate equity. Its primary strength lies in its diversified business model and efficient internal management structure, which help mitigate risks inherent in the cyclical real estate market. The core investment opportunity rests on its ability to navigate complex lending environments and capture income through its varied investment segments. Key risks include exposure to commercial property downturns, interest rate sensitivity, and competition within the private credit space. The stock may best suit dividend-oriented or value investors looking for steady income, provided they monitor the health of the broader commercial real estate sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's REIT structure favors income distribution over aggressive capital appreciation. |
| Momentum investor | Mixed fit | Momentum may be inconsistent due to the cyclical nature of commercial real estate and interest rate sensitivity. |
| Value investor | Strong fit | The company often trades relative to its book value, attracting value-oriented investors. |
| Dividend investor | Strong fit | The REIT structure and consistent dividend history make it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While dividends are attractive, the underlying commercial real estate exposure carries inherent cyclical risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Real estate market sentiment can lead to rapid price changes. |
| Valuation risk | Medium | Changes in asset appraisals directly impact book value. |
| Competition risk (CRE Lending) | High | Numerous well-capitalized competitors pressure loan spreads. |
| Business quality | Medium | The internal management structure provides a quality advantage over peers. |
| Dividend income | Medium / high | Dividends depend on maintaining credit quality in the loan book. |
| Execution risk | Medium | Effectively managing complex loan workouts is critical to performance. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -18.64% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.11B USD | Price to earnings Ratio 20.88 | 1Y Target Price 11.93 |
Price to earnings Ratio 20.88 | 1Y Target Price 11.93 | ||
Volume (30-day avg) 1.4M shares | Beta 1.03 | 52 Weeks Range 8.48 - 10.58 | Updated Date 10/10/2026 |
52 Weeks Range 8.48 - 10.58 | Updated Date 10/10/2026 | ||
Dividends yield (FY) 10.40% | Basic EPS (TTM) 0.42 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Loan Originations | Interest income from senior secured commercial real estate loans. | The company earns money by acting as a bank for commercial property owners. |
| Securities Portfolio | Investment income from CMBS and other debt assets. | The company buys debt investments to earn interest and potential appreciation. |
| Real Estate Equity | Rental income from owned commercial properties. | The company acts as a landlord, collecting rent from commercial tenants. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 20.88 | Forward PE 2.45 | Enterprise Value 5.09B | Price to Sales(TTM) 5.11 |
Enterprise Value 5.09B | Price to Sales(TTM) 5.11 | ||
Enterprise Value to Revenue 19.78 | Enterprise Value to EBITDA - | Shares Outstanding 126.87M | Shares Floating 110.75M |
Shares Outstanding 126.87M | Shares Floating 110.75M | ||
Percent Insiders 12.65 | Percent Institutions 68.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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