LTCLTC Properties, Inc.
Is it safe?
No red flags in what's measurable: insiders buying and steady price behavior.
Insiders were net buyers (+$30K, 90 days to Oct 8, 2026). SEC Form 4 filings: officers and directors must report their own trades within two business days.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Relatively steady, low volatility. Worst drawdown -51% · now 2% below its 52-week high.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can LTC take a bad year?
LTC Properties, Inc. carries $737M of net debt at 2.81× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 2.81×
Net debt / EBITDA · 2.90× a year ago · the load is coming down
- Interest cover
- 5.49×
Interest cover · operating profit covers the interest bill several times over
- Annualised volatility
- 20%
Annualised volatility · about as steady as the market itself
Details›
- Total debtQ2 2026
- $777M
- Cash and short-term investments
- $40M
- Net debt
- $737M
- EBITDA, trailing twelve months
- $262M
- Operating profit, trailing twelve months
- $218M
- Debt / equity
- 0.61×
- Total debt / EBITDA
- 2.97×
- Annualised volatilitytwo years of daily moves
- 20%
- Worst drawdown on file
- −51%
- Below its 52-week high
- 2.4%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
REIT, Healthcare Facilities
The closest names by size in the same industry