Franklin BSP Realty Trust (FBRT) Stock Analysis & Winston Score

Franklin BSP Realty Trust is a real estate investment trust (REIT) that lends money to commercial property owners instead of owning buildings directly. It focuses on making loans backed by commercial real estate — things like apartment complexes, office buildings, and hotels. The company is managed by Benefit Street Partners, a large credit-focused investment firm.

Franklin BSP Realty Trust makes money primarily by collecting interest on the loans it issues, which is a common model for mortgage REITs. It operates mainly in the United States and has a portfolio worth several billion dollars in commercial real estate debt. Because it borrows money at lower rates and lends at higher rates, its profits depend heavily on the spread between those two rates — meaning rising interest rates or a weak commercial real estate market can quickly squeeze earnings and increase loan defaults, which is the main risk the business faces.

Winston Score History

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on FBRT in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-64.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

1.8%ownership

Relatively low insider ownership

Cash Runway

~23 months

$415M cash & investments

Adequate runway but may need to raise capital within 2 years

Growth context

Franklin BSP Realty Trust is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

90.4%

Premium pricing power — 90.4% gross margin

Operating Margin

49.3%

Excellent — 49.3% operating margin

ROCE

1.1%

Weak — 1.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+0.5%

Nearly flat sales (0.5% YoY)

EPS YoY

-22.1%

Earnings shrinking (-22.1% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

170%

Turns 170% of profit into real cash

FCF Margin

22.7%

Converts sales into free cash efficiently (22.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

3.29

Heavy debt load (3.29)

Interest Cover

0.71x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

15.5x

no trend

Fair value — P/E 15.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+6.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (15.5 → 8.8)

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Dividends

Dividend Yield

13.74%

no trend

Healthy income — 13.74% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

-21.8%

no trend

Dividend cut (-21.8% YoY) — warning sign

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