Ladder Capital (LADR) posted a 22.4% annual earnings growth rate over the past five years, but most recent results show earnings have turned negative versus last year. Net profit margins slipped to 34.1% from 37.4%, and while revenue is forecast to grow at 16.7% per year, outpacing the US market, earnings are only expected to rise 10.2% annually, which trails the broader market’s 15.5% rate. Investors are likely to focus on the company’s ability to sustain above-average revenue growth and monitor ongoing shifts in profitability and income streams.
See our full analysis for Ladder Capital.
Next up, we’ll see how the latest numbers stack up against the dominant narratives, highlighting where the data supports and where it complicates the market’s expectations for Ladder Capital.
See what the community is saying about Ladder Capital
NYSE:LADR Earnings & Revenue History as at Oct 2025
Ladder’s debt costs have decreased thanks to achieving investment-grade status and issuing unsecured bonds, making its access to capital both cheaper and broader compared with previous years.
Consensus narrative notes that reduced funding costs and access to deeper capital markets help Ladder reinvest in higher-yield assets, supporting long-term earnings growth.
Structural changes in commercial property lending and increased demand in major US urban markets support this growth story, but analysts project profit margins to slip from 36.3% today to 33.3% over three years as competition and higher funding rates put net margins under pressure.
While Ladder’s diversified portfolio helps manage risk, maintaining margin stability remains a key test for bulls focusing on income sustainability.
Consensus narrative suggests Ladder’s evolving cost structure gives bulls something to cheer, but margin trends could limit future upside. See how this narrative compares with today’s figures and analyst views: 📊 Read the full Ladder Capital Consensus Narrative.
Two risks top the list: dividend sustainability and questions around Ladder’s financial position, which could directly impact future payouts and investor confidence.
Analysts’ consensus view highlights concern that slowing commercial real estate lending and rising tenant credit risk threaten stable income streams.
Shrinking profit margins and exposure to longer lease terms mean that small shifts in tenant quality or rent levels may have outsize impacts on distributable earnings and book value per share.
Ongoing muted loan origination volumes and sector recovery delays add to the argument that investors need to keep a close watch on potential shocks to asset quality or reserves.
Ladder’s share price of $11.01 trades about 28% below its DCF fair value of 15.27, but its price-to-earnings ratio of 17.6x stands well above peer (11.8x) and industry averages (12.5x).
Analysts’ consensus view contends that while the stock screens as a good value under discounted cash flow, it is not clearly cheap. Industry peers command much lower multiples, so future returns depend on Ladder’s ability to deliver on higher growth expectations.
With the consensus analyst price target at 12.60, only a modest 14% potential upside exists from current prices, reflecting mixed confidence.
Investors must weigh revenue momentum and five-year earnings expansion against sector multiples, knowing Ladder has a history of strong growth but faces a tougher valuation bar than competitors.
To see how these results tie into long-term growth, risks, and valuation, check out the full range of community narratives for Ladder Capital on Simply Wall St. Add the company to your watchlist or portfolio so you’ll be alerted when the story evolves.
Have your own angle on the data? Put your insights into action and share your take in under three minutes. Do it your way.
A great starting point for your Ladder Capital research is our analysis highlighting 2 key rewards and 3 important warning signs that could impact your investment decision.
Ladder Capital’s slipping profit margins, above-average leverage, and concerns about dividend sustainability highlight ongoing financial strength and balance sheet challenges.
If you want to focus on companies that offer greater resilience and robust financials, check out solid balance sheet and fundamentals stocks screener (1976 results) for alternatives with lower debt and stronger balance sheets.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include LADR.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
Coursera (COUR) narrowed its losses over the past five years at an average annual rate of 7.9%, but remains unprofitable and is expected to stay in the red for at least three more years. Revenue is projected to grow 6.1% per year, which lags the broader US market’s 10% forecast, while shares currently trade at $9.20, below some analyst estimates of fair value. Against a backdrop of ongoing unprofitability and share price volatility, investors will be weighing slower growth and risks against discounted valuation and signs of operational improvement.
See our full analysis for Coursera.
Now, it’s time to see how these results measure up to the dominant stories and expectations in the market. We will dive into the prevailing narratives next.
See what the community is saying about Coursera
NYSE:COUR Earnings & Revenue History as at Oct 2025
Coursera’s profit margin stands at -7.1%. While it is narrowing its losses by an average of 7.9% per year, there is no expectation from analysts for the company to reach profitability within the next three years.
According to the analysts’ consensus view, rising demand for tech and job-relevant credentials coupled with enterprise partnerships is fueling gradual improvements in average revenue per user. However, persistent costs and only modest margin improvement have delayed any near-term path to positive earnings.
Consensus narrative notes that ongoing product innovation and new features could improve user retention, but heavy reliance on external partners makes faster margin expansion uncertain.
Expected revenue growth of just 6.1% per year will also limit how quickly these margin improvements materialize.
To see how analysts balance hopes for gradual progress with ongoing risks, check the full consensus narrative for deeper context. 📊 Read the full Coursera Consensus Narrative.
The share price, at $9.20, is volatile and below the single analyst price target of 12.38. The past quarter saw significant insider selling, signaling potential caution from company leadership.
Consensus narrative flags that even as global demand for upskilling expands the user base, weak share price trends and insider selling reinforce investor concerns about Coursera’s ability to drive consistent performance.
Bears argue that short-term price uncertainty and lack of profitability deter value-focused investors, especially when major holders are offloading shares.
The analysts’ consensus also highlights how ongoing macroeconomic pressures and competitive threats can further weigh on the stock’s stability.
Coursera trades at a Price-to-Sales Ratio of 2.1x, which is above industry and peer averages, despite its ongoing losses and the lack of near-term profit guidance.
Consensus narrative underscores that while the discounted cash flow estimate values the stock at 13.75 and analysts set a target at 12.38, Coursera’s current premium pricing is difficult to justify until its margins and earnings outlook show more convincing improvement.
Bulls highlight the company’s exposure to global upskilling trends and expanding enterprise revenues, but the tension lies in needing business performance to catch up with rich valuation multiples.
If profit margin does not move closer to the industry average of 11.7%, the current premium valuation may prove unsustainable.
To see how these results tie into long-term growth, risks, and valuation, check out the full range of community narratives for Coursera on Simply Wall St. Add the company to your watchlist or portfolio so you’ll be alerted when the story evolves.
Have a different take on Coursera’s figures? Bring your perspective to life and build your own story in just a few minutes by using Do it your way.
A great starting point for your Coursera research is our analysis highlighting 3 key rewards and 3 important warning signs that could impact your investment decision.
Coursera’s ongoing losses, volatile share price, and lack of near-term profit progress raise concerns about consistency and sustainable returns for investors.
If you want companies with a more reliable track record, check out stable growth stocks screener (2099 results) to focus on businesses delivering steadier revenue and earnings growth over time.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include COUR.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
RIO DE JANEIRO, Oct 24 (Reuters) – Brazilian state-run oil firm Petrobras reported on Friday a total oil, gas and gas liquids production of 3.14 million barrels of oil equivalent per day (boed) in the third quarter, up some 17% from a year earlier.
Petrobras produced 2.52 million barrels of oil per day (bpd) in Brazil, an increase of more than 18%, as 11 wells began production in the third quarter, according to a securities filing.
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Total sales of oil, gas and derivatives rose nearly 10% in the period to 3.26 million bpd, while exports reached 1.04 million bpd, up 29%.
Reporting by Fabio Teixeira and Marta Nogueira in Rio de Janeiro; additional reporting by Andre Romani in Sao Paulo; Editing by Natalia Siniawski
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Debating what to do with Boeing stock? You’re not alone. With its share price ending last session at $221.35 and a strong rally over the past year, investors are buzzing as they consider whether to add, hold, or even take profits. Over the last twelve months, Boeing has delivered a stellar 42.8% return, and so far in 2024, it’s up nearly 29%. That is no fluke; in just the past week, the stock climbed 3.9%. Even looking further back, Boeing has been on a long-term recovery arc, returning over 53% in both the last three and five years.
Much of this momentum comes as the aviation industry navigates a tricky but promising landscape. Recent headlines point to rising airline demand and progress on resolving manufacturing delays, both of which have helped reshape risk perception around Boeing’s prospects. Investors have also reacted favorably to announcements about expanded partnerships and moves to improve production oversight, signifying more confidence in the company’s ability to deliver on its pipeline.
So, how does Boeing stack up on valuation? When we score the stock across six key checks for undervaluation, it comes in at 3 out of 6. That is not a screaming bargain, but it is no red flag either. Different approaches to valuation inevitably tell different stories, so which is most reliable for today’s market? Next, we will break down what each method reveals, and later share an even smarter way to put those numbers in perspective.
Boeing delivered 42.8% returns over the last year. See how this stacks up to the rest of the Aerospace & Defense industry.
The Discounted Cash Flow (DCF) model estimates a company’s intrinsic value by projecting its future cash flows and discounting them back to today’s value using a required rate of return. This method gives investors a sense of what the business is worth based on its ability to generate cash over time.
For Boeing, the most recent free cash flow over the last twelve months is negative at $8.1 Billion. However, analysts anticipate a significant turnaround and forecast free cash flow to rise to $12.8 Billion by 2029. While direct analyst estimates only extend a few years ahead, Simply Wall St extrapolates these further by projecting steady growth in Boeing’s cash generation through 2035.
Based on these projections, the DCF analysis arrives at an intrinsic value of $319.00 per share. With Boeing’s current price at $221.35, this suggests the stock is trading at a substantial discount of around 30.6% relative to its estimated true value.
In summary, the DCF approach points to Boeing being meaningfully undervalued at present, largely due to anticipated growth in cash flows and long-term industry dynamics favoring recovery.
Result: UNDERVALUED
Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Boeing.
BA Discounted Cash Flow as at Oct 2025
Our Discounted Cash Flow (DCF) analysis suggests Boeing is undervalued by 30.6%. Track this in your watchlist or portfolio, or discover more undervalued stocks.
The Price-to-Sales (P/S) ratio is a widely used valuation metric, especially for companies like Boeing where consistent profitability can fluctuate due to industry cycles or periods of heavy investment. The P/S ratio evaluates the company’s market valuation compared to its revenue, making it a practical tool for businesses where earnings may be temporarily depressed but underlying sales remain robust.
Growth prospects and perceived risks both play a role in determining what counts as a “normal” or “fair” P/S ratio. Companies with higher expected growth rates or lower risk usually command higher multiples. In contrast, slower growers or riskier ventures might trade at a discount. Comparing Boeing, its current P/S ratio stands at 2.22x. For context, the average for its peers is 2.08x, and the wider Aerospace & Defense industry average is even higher at 3.15x.
This is where Simply Wall St’s proprietary “Fair Ratio” comes in. By incorporating Boeing’s unique growth outlook, profit margins, industry, market capitalization, and risk profile, the Fair Ratio offers a much more personalized benchmark. For Boeing, the Fair Ratio is 1.92x. This tailored figure gives investors a more meaningful yardstick than standard peer or industry averages, as those do not fully capture company-specific strengths and weaknesses.
Comparing Boeing’s actual P/S ratio of 2.22x to the Fair Ratio of 1.92x, the difference is not huge but does suggest the stock is trading slightly above what would be expected based on its fundamentals and outlook.
Result: OVERVALUED
NYSE:BA PS Ratio as at Oct 2025
PS ratios tell one story, but what if the real opportunity lies elsewhere? Discover companies where insiders are betting big on explosive growth.
Earlier we mentioned there is an even better way to understand valuation, so let’s introduce you to Narratives. A Narrative is simply your own story behind a stock’s numbers, letting you express what you believe about Boeing’s future by tying your assumptions for growth, profits, and fair value to the underlying business realities.
Rather than seeing a company as just a set of figures, Narratives allow users to connect real-world events, strategic moves, or industry changes directly to financial forecasts. This makes valuation more personal, dynamic, and meaningful. Anyone can access Narratives on Simply Wall St’s Community page, where millions of investors create and update their perspectives as news and data change. No advanced knowledge is needed; the platform guides you through building a fair value based on your own expectations or following others’ insights.
Narratives give you greater context for your buy, hold, or sell decisions by constantly comparing your defined Fair Value with Boeing’s current share price. For example, some investors using Narratives see Boeing’s fair value above $287 per share if they expect strong air travel demand and margin gains, while others set it as low as $150 if risks around debt, supply chains, or regulatory challenges dominate their outlook. Narratives update in real time as new developments emerge, so your investment decisions always reflect the latest facts and your personal view.
Do you think there’s more to the story for Boeing? Create your own Narrative to let the Community know!
NYSE:BA Community Fair Values as at Oct 2025
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include BA.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
Your guide to what Trump’s second term means for Washington, business and the world
Columbia University plans to rely more heavily on its endowment to finance operations next year, following sweeping research funding cuts imposed by President Donald Trump.
In its annual financial statement released late on Thursday, the New York Ivy League school said it had taken the rare step of drawing directly from its endowment to create a “research stabilisation fund” to offset $400mn in funding cuts by the White House. The fund has issued more than 500 internal research grants.
The university also said its trustees approved a limited-term increase in its use of endowment returns to fund operations for fiscal year 2026 as part of its “financial stabilisation efforts”.
Columbia’s struggle to maintain its financial health highlights the growing pressure on US universities resulting from the Trump administration’s use of funding cuts as leverage for greater federal control of higher education.
Columbia is among the US universities hit hardest by federal research-funding cuts since the president returned to office, after the administration made the school — home to one of the country’s largest student protests over Israel’s war in Gaza — a target of greater political scrutiny.
Columbia’s operating surplus fell to $113mn this year from $305mn in 2024 — a result Anne Sullivan, the university’s executive vice-president for finance, described as “modest” and “below our historical average” after the government suspended hundreds of research grants earlier this year.
Sullivan said the university experienced a “major destabilising event” after the government terminated more than 350 grants, worth over $1.3bn, in March. The situation has eased since July, when the Trump administration reinstated 260 research grants to Columbia after the university agreed to a $221mn settlement resolving federal investigations into its handling of antisemitism on campus.
While Columbia’s financial statement reported a mere 1 per cent decline in government grants and contracts this year from 2024, Sullivan said the figure “does not adequately capture the level of strain experienced by the research enterprise” in the third and fourth quarters.
She said: “Because tapping endowment for one-time purposes erodes our future capacity to provide support for programmes dependent on the annual distribution, utilising endowment assets in this way, beyond our annual distribution, is a rare and multi-faceted decision which we do not make lightly.”
Columbia’s finances have also benefited from a 12.4 per cent gain on its endowment in the year to June — the highest annual return in seven years. Kim Lew, chief executive of Columbia Investment Management Company, said the result was driven by gains in stocks and an improvement in private investment returns.
LAS VEGAS, Oct. 24, 2025 (GLOBE NEWSWIRE) — GBank Financial Holdings Inc. (the “Company”) (Nasdaq: GBFH), the parent company for GBank (the “Bank”), today announced it has updated the date for the release its third quarter 2025 financial results from after the market closes on Monday, October 27, 2025 to after the market closes on Tuesday, October 28, 2025. The timing of the quarterly earnings call remains unchanged on Wednesday, October 29, 2025, at 10:00 a.m., PST. Interested parties can participate remotely via Internet connectivity. There will be no physical location for attendance.
Interested parties may join online, via the ZOOM app on their smartphones, or by telephone:
ZOOM Webinar ID 873 1389 3095
Passcode: 468468
Joining by ZOOM Webinar:
Log in on your computer at https://us02web.zoom.us/j/87313893095?pwd=YmbAmd09zQhXfDQHNSTFXM79DU8Vma.1 or use the ZOOM app on your smartphone.
Joining by Telephone
Dial (408) 638-0968. The conference ID is 873 1389 3095. Passcode: 468468.
About GBank Financial Holdings Inc.
GBank Financial Holdings Inc. is a bank holding company headquartered in Las Vegas, Nevada and is listed on the Nasdaq Capital Market under the symbol “GBFH.” Our national payment and Gaming FinTech business lines serve gaming clients across the U.S. and feature the GBank Visa Signature® Card—a tailored product for the gaming and sports entertainment markets. The Bank is also a top national SBA lender, now operating across 40 states. Through our wholly owned bank subsidiary, GBank, we operate two full-service commercial branches in Las Vegas, Nevada to provide a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals in Nevada, California, Utah, and Arizona. Please visit www.gbankfinancialholdings.com for more information.
Available Information
The Company routinely posts important information for investors on its web site (under www.gbankfinancialholdings.com and, more specifically, under the News & Media tab at www.gbankfinancialholdings.com/press-releases). The Company intends to use its web site as a means of disclosing material non-public information and for complying with its disclosure obligations under Regulation FD (Fair Disclosure) promulgated by the U.S. Securities and Exchange Commission (the “SEC”). Accordingly, investors should monitor the Company’s web site, in addition to following the Company’s press releases, SEC filings, public conference calls, presentations and webcasts.
The information contained on, or that may be accessed through, the Company’s web site is not incorporated by reference into, and is not a part of, this document.
For Further Information, Contact:
GBank Financial Holdings Inc. Edward M. Nigro Chairman and CEO 702-851-4200 enigro@g.bank
Roula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.
JPMorgan Chase has asked a US court to end its obligation to pay legal fees for Charlie Javice and another executive convicted of defrauding the bank, an unusual legacy of its purchase of Frank, their failed fintech start-up.
In a filing on Friday, JPMorgan alleged “clear abuse” by Javice and Olivier Amar for the “unreasonable” sums of money claimed for their legal defences, which total about $115mn, of which $60.1mn was advanced to Javice and $55.2mn to Amar.
JPMorgan noted Javice engaged five law firms for her defence, a legal team the bank said had remained in place after her conviction in March for defrauding the bank. One law firm representing Amar received advanced fees and expenses totalling $53.9mn, JPMorgan claimed.
Javice was sentenced to seven years in prison last month, and ordered to pay restitution to JPMorgan of $288mn, including legal fees, and forfeit an additional $22mn. Amar was separately convicted of fraud but has yet to be sentenced. Javice has asked the court to reduce the restitution award, a move objected to by JPMorgan and the Department of Justice.
But JPMorgan has also been obliged to cover Javice and Amar’s legal fees as part of the agreement to sell their student finance company, Frank, to the bank in 2021.
JPMorgan wrote in its filing that “the fees and expenses to fund Javice’s criminal defence have far exceeded any reasonable amount for defence of the entire case” and she was unnecessarily continuing “to utilise all five law firms in connection with post-conviction proceedings”.
Representatives for Javice and Amar did not immediately respond to requests for comment.
While the amounts involved are minor for JPMorgan — the company generated more than $1bn a week in profits in 2024 — the spat is a reminder of the bank’s ill-fated purchase.
JPMorgan bought Javice’s company for $175mn but soon discovered the business had only a small fraction of the 4mn users that she had claimed.
The bank claimed Javice and her co-founder Olivier Amar had hired a data scientist to create millions of fabricated users at the time of the company’s sale process.
The State Bank of Pakistan (SBP) on Friday injected a total of Rs4.245 trillion into the financial system through reverse repo and Shariah-compliant Mudarabah-based open market operations (OMOs).
According to the central bank, the liquidity injection included Rs3.914 trillion through conventional reverse repo OMOs and Rs331 billion via Islamic Mudarabah-based operations. The OMO was conducted for seven-day and 14-day tenors.
For the seven-day reverse repo, the SBP received 18 bids totalling Rs3,643 billion at rates ranging between 11% and 11.07%, out of which 17 bids worth Rs3,642.5 billion were accepted at a rate of 11.01%. In the 14-day tenor, the central bank received 11 bids amounting to Rs272.5 billion, with accepted bids of Rs272 billion at a rate of 11.02%.
In its Shariah-compliant Mudarabah-based OMO, the SBP received four bids for the seven-day tenor, offering Rs331 billion at returns from 11.06% to 11.12%. The entire amount was accepted at 11.06%, while no bids were received for the 14-day Islamic tenor.
According to data released by the SBP, the rupee closed at Rs281.02 per dollar, gaining Rs0.01 from the previous day’s rate.
Meanwhile, gold prices in Pakistan continued their downward trajectory, mirroring trends in the international market, where the precious metal struggled to recover despite slightly softer-than-expected US inflation data that bolstered expectations of a Federal Reserve rate cut next week.
According to the rates issued by the All-Pakistan Gems and Jewellers Sarafa Association, the price of gold per tola fell by Rs2,000, settling at Rs431,862, while the price of 10 grams declined by Rs1,714 to Rs370,252.
The fall marks the first weekly loss in nearly 10 weeks as global investors adjusted their positions ahead of next week’s US monetary policy announcement.
On Thursday, the yellow metal had already recorded a sharp drop of Rs3,500 per tola, bringing local prices down from recent highs. The consistent downward pressure reflects international market sentiment, where gold has been trading in a narrow band after heavy profit-taking earlier in the week.
