Starwood Property Trust, Inc. (STWD) AI Stock Analysis

Starwood Property Trust, Inc. operates as a real estate investment trust with operations across the United States, Europe, and Australia. The company is organized into four segments: Commercial and Residential Lending, Infrastructure Lending, Property Investments, and Servicing. In Commercial and Residential Lending, it originates and manages commercial and residential mortgages, mezzanine loans, mortgage-backed securities, and distressed loans. The Infrastructure Lending unit handles debt investments in infrastructure projects. The Property segment holds equity interests in stabilized commercial real estate such as multifamily and net-lease properties. Meanwhile, the Investing and Servicing segment manages problem assets, acquires commercial real estate assets, and originates conduit loans for securitizations.

Starwood Property Trust recorded a 5-year revenue CAGR of 10.6% between FY2020 and FY2025. Annual revenue expanded from $1.19B in FY2021 to a peak of $2.05B in FY2023, before falling 0.5% in FY2024 to $2.04B and declining 7.9% in FY2025 to $1.88B. Net income in FY2025 was $411.5M, yielding a 21.9% net margin and EPS of $1.68. Over the trailing twelve months, revenue totaled $597.3M with an operating margin of -5.9% and EPS of $0.60. For the quarter ended June 30, 2026, revenue increased 13.4% year-over-year, while quarterly earnings fell 97.4%.

As of June 30, 2026, Starwood Property Trust held $452.4M in cash and short-term investments alongside $23.69B in total debt, resulting in net debt of $23.24B. Total assets stood at $61.05B and shareholders' equity was $6.50B, producing a debt-to-equity ratio of 3.65 and a current ratio of 0.06. In FY2025, operating cash flow reached $977.9M and free cash flow was $708.8M. Capital expenditures totaled $269.0M, dividends paid were $668.9M, and the 5-year share count increased 20.3%.

At its last close of $12.46 on October 16, 2026, Starwood Property Trust had a market capitalization of $4.73B and an enterprise value of $28.69B. Its trailing P/E of 20.8x sits below the 21.6x median of its US-listed Real Estate peers, while its forward P/E of 10.0x is also lower than the peer median of 23.5x. The price-to-sales ratio is 7.9x compared to the peer median of 3.7x, and the price-to-book ratio is 0.8x. Over the past year, the stock returned -23.6% compared to 16.8% for the S&P 500 (SPY). Over five years, STWD returned -19.6% versus 83.0% for SPY.

Starwood Property Trust pays a quarterly dividend with an annual forward payout of $1.92 per share, representing a dividend yield of 15.41%. Its payout ratio stands at 125.5%. The company has paid dividends for 18 consecutive years, though its 5-year annualized dividend growth rate is 0.0%. Its most recent ex-dividend date was September 30, 2026.

Wall Street analysts cover Starwood Property Trust with 3 Strong Buy, 4 Buy, and 2 Hold ratings. The mean price target is $19.25, representing a 54.5% premium over the last close of $12.46. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $2.12B and EPS of $1.52, a 10.0% decline. For the next fiscal year, 8 analysts estimate revenue of $2.34B and EPS of $1.89. The company beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is November 6, 2026.

This page is an AI-written research summary of Starwood Property Trust, Inc. (STWD). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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