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Rithm Property Trust Inc. (RPT)
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Upturn Advisory Summary
12/18/2025: RPT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $3
1 Year Target Price $3
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.74% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 129.47M USD | Price to earnings Ratio 40.71 | 1Y Target Price 3 |
Price to earnings Ratio 40.71 | 1Y Target Price 3 | ||
Volume (30-day avg) 3 | Beta 1.27 | 52 Weeks Range 2.13 - 3.19 | Updated Date 12/19/2025 |
52 Weeks Range 2.13 - 3.19 | Updated Date 12/19/2025 | ||
Dividends yield (FY) 8.05% | Basic EPS (TTM) 0.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.19% | Operating Margin (TTM) -6.96% |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE 40.71 | Forward PE - | Enterprise Value 804002112 | Price to Sales(TTM) 11.54 |
Enterprise Value 804002112 | Price to Sales(TTM) 11.54 | ||
Enterprise Value to Revenue 67.54 | Enterprise Value to EBITDA - | Shares Outstanding 45428460 | Shares Floating 35057597 |
Shares Outstanding 45428460 | Shares Floating 35057597 | ||
Percent Insiders 1.17 | Percent Institutions 72.06 |
Upturn AI SWOT
Rithm Property Trust Inc.
Company Overview
History and Background
Rithm Property Trust Inc. (formerly New Residential Mortgage Investment Corp.) was founded in 2013. It has undergone significant evolution, transitioning from a mortgage REIT to a diversified real estate finance company with a focus on origination and servicing. Key milestones include its initial public offering and various strategic acquisitions to expand its business lines.
Core Business Areas
- Mortgage Origination: The company originates a wide range of residential mortgage loans, including conforming, non-conforming, and government-backed loans, through its various brands.
- Mortgage Servicing: Rithm manages the servicing of mortgage loans, collecting payments, managing escrow accounts, and handling foreclosures and modifications.
- Residential Investments: The company invests in a portfolio of residential real estate, including single-family rental properties and related assets.
- MSR Portfolio Management: Rithm holds and manages Mortgage Servicing Rights (MSRs), which represent the right to service mortgage loans.
Leadership and Structure
Rithm Property Trust Inc. is led by a management team with extensive experience in real estate finance. The company operates through various subsidiaries, each focusing on specific business segments, creating a diversified operational structure.
Top Products and Market Share
Key Offerings
- Mortgage Origination Services: Rithm originates a broad spectrum of residential mortgage products catering to diverse borrower needs. Specific market share data for individual origination channels is not readily available, but the company is a significant player in the US mortgage market. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and other large financial institutions like JPMorgan Chase (JPM) and Wells Fargo (WFC).
- Mortgage Servicing Platform: Rithm offers comprehensive mortgage servicing solutions. It is one of the largest mortgage servicers in the United States by UPB (Unpaid Principal Balance). Competitors include Mr. Cooper Group (COOP), LoanDepot (LDI), and large bank servicers.
- Single-Family Rental Properties: The company owns and operates a portfolio of single-family rental homes. Market share in this sector is fragmented, with numerous smaller operators and institutional investors. Competitors include Invitation Homes (INVH) and American Homes 4 Rent (AMH).
Market Dynamics
Industry Overview
The residential mortgage industry is highly cyclical, influenced by interest rate environments, housing market conditions, and regulatory changes. The single-family rental market is also subject to economic factors and local housing supply/demand dynamics. Competition is intense across all segments.
Positioning
Rithm Property Trust Inc. is positioned as a diversified real estate finance company, benefiting from its integrated model across origination, servicing, and direct property ownership. Its significant scale in mortgage servicing provides a stable revenue stream and valuable data insights. Its competitive advantages lie in its operational diversification, proprietary technology, and experienced management.
Total Addressable Market (TAM)
The total addressable market for residential mortgage origination in the US is in the trillions of dollars annually, fluctuating with economic conditions. The TAM for mortgage servicing is also substantial, tied to the overall outstanding mortgage debt. Rithm is positioned to capture a significant portion of this market through its scale and diversified offerings, though it competes with a vast number of players.
Upturn SWOT Analysis
Strengths
- Diversified business model across origination, servicing, and rentals.
- Significant scale in mortgage servicing, providing stable cash flows.
- Experienced management team with deep industry knowledge.
- Proprietary technology and operational efficiencies.
- Ability to adapt to changing market conditions through diversification.
Weaknesses
- Sensitivity to interest rate fluctuations, impacting origination volumes and MSR valuations.
- Regulatory risks inherent in the mortgage and real estate industries.
- Potential for margin compression in competitive origination markets.
- Reliance on third-party capital for certain investment strategies.
Opportunities
- Expansion of origination channels and product offerings.
- Growth in the single-family rental market through acquisitions and development.
- Leveraging data analytics for enhanced operational efficiency and customer insights.
- Potential for strategic partnerships and acquisitions.
- Capitalizing on favorable demographic trends in housing demand.
Threats
- Rising interest rates leading to decreased mortgage demand and potential refinancing slowdowns.
- Increased competition from financial technology (fintech) companies and traditional lenders.
- Economic downturns impacting housing affordability and delinquency rates.
- Changes in government housing policy and regulations.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- Rocket Mortgage (RKT)
- Mr. Cooper Group (COOP)
- LoanDepot (LDI)
- United Wholesale Mortgage (UWMC)
- Invitation Homes (INVH)
- American Homes 4 Rent (AMH)
- JPMorgan Chase (JPM)
- Wells Fargo (WFC)
Competitive Landscape
Rithm faces intense competition across its business segments. Its advantage lies in its integrated model, which allows for operational synergies and a comprehensive view of the mortgage lifecycle. However, it competes with specialized originators and servicers, as well as large diversified financial institutions with significant capital resources.
Major Acquisitions
NewRez LLC
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition of a mortgage origination and servicing platform to build out Rithm's end-to-end capabilities in the mortgage value chain.
Haven Home Health
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition to expand into adjacent real estate services and create a more integrated housing platform.
Altisource Portfolio Services
- Year: 2022
- Acquisition Price (USD millions): 260
- Strategic Rationale: Acquisition to enhance Rithm's servicing capabilities and expand its technology-driven solutions.
Growth Trajectory and Initiatives
Historical Growth: Rithm has pursued a growth strategy through both organic expansion of its existing businesses and strategic acquisitions. Its evolution from a pure mortgage REIT to a diversified entity showcases a historical growth trajectory focused on expanding its revenue streams and market presence.
Future Projections: Future growth projections for Rithm Property Trust Inc. are typically guided by analyst estimates and the company's own strategic outlook. These projections often consider anticipated trends in the mortgage market, housing sector, and the company's ability to execute its diversification and acquisition strategies.
Recent Initiatives: Recent initiatives have likely focused on optimizing its origination and servicing platforms, expanding its single-family rental portfolio, and potentially exploring new avenues for diversification within real estate finance.
Summary
Rithm Property Trust Inc. is a well-diversified real estate finance company with strong capabilities in mortgage origination, servicing, and single-family rentals. Its integrated model and significant scale in servicing are key strengths. However, the company is susceptible to interest rate volatility and intense competition. Continued focus on operational efficiency, strategic acquisitions, and prudent capital allocation will be crucial for sustained growth and profitability.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Industry Analysis Reports
- Financial News Outlets
Disclaimers:
This JSON output is generated based on publicly available information and aims to provide a structured overview. It is not intended as investment advice. Financial data and market share figures are estimates and subject to change. Users should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Rithm Property Trust Inc.
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2015-02-13 | President, CEO & Director Mr. Michael Nierenberg | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees - | |
Full time employees - | |||
Rithm Property Trust Inc. operates as a mortgage real estate investment trust in the United States. It acquires re-performing and non-performing loans; acquires or originates commercial real estate assets, including senior loans, subordinated debt, mezzanine loans, preferred equity, SBC loans, commercial mortgage servicing rights, commercial real estate properties, CRT and SRT transactions, operating businesses, and other securities. The company has elected to be taxed as a real estate investment trust for U.S. federal income tax purposes. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. The company was formerly Great Ajax Corp. and changed its name to Rithm Property Trust Inc. in December 2024. The company was incorporated in 2014 and is based in New York, New York.
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