# CTO Realty Growth Inc. (CTO) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Real Estate / Real Estate Management & Development. Price $21.49, market value $806 million.

## Valuation
- **P/E (trailing): 15.6×** (5-yr avg 233.6×, 3-yr avg 345.8×). CTO Realty Growth Inc. trades at 15.6× trailing earnings, well below its own five-year average of 233.6×: cheap by its own standards. The Real Estate median in the September 2026 study was 25.2×. Forward P/E is 34.7×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.28**. A PEG of 0.28 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 5.2×**. Each dollar of revenue is priced at 5.2×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 14.4×**. Enterprise value is 14.4× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Earnings yield: 6.4%**. The inverse of the P/E: 6.4% of the price is earned each year.

## Profitability
- **Gross margin: 74.7%**. CTO Realty Growth Inc. keeps 74.7% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 23.5%**. 23.5% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 6.7%**. 6.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 1.8%**. 1.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 2.4%**. Return on all capital, debt included, is 2.4%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit.

## Growth
- **Revenue growth (1 yr): 20.1%** (3-yr 22.0%/yr, 5-yr 21.5%/yr). Revenue grew 20.1% over the last year, against 21.5% a year compounded over five years.
- **EPS growth (1 yr): 122.9%** (5-yr -57.2%/yr). Earnings per share rose 122.9%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Debt to equity: 1.09**. Debt is 1.09 times equity, a leveraged balance sheet, which is normal for real estate.
- **Net debt / EBITDA: 6.2×**. It would take 6.2 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Altman Z-score: 1.53**. A Z-score of 1.53 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 7.07%** ($1.52 per share, trailing). CTO Realty Growth Inc. yields 7.07%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 486%**. The dividend exceeds earnings (486% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 10.8%/yr** (1-yr 0.0%). The dividend has compounded at 10.8% a year over five years, doubling roughly every 7 years at that pace.

## Price and momentum
- **Total return (1 yr): 34.5%** (YTD 21.3%, 3-mo 6.7%). The shares are up 34.5% over twelve months including dividends.
- **From 52-week high: -5.4%** (42.6% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.04** (volatility 18%). Beta of 0.04 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CTO · Page: https://foliofundamentals.com/stocks/cto

Not investment advice.