Which is better, IRT or LTC?

On the Buffett-Fit framework, LTC Properties, Inc. (LTC) currently grades higher than IRT — 68/100 (D grade) vs 46/100 (D). That said, "better" depends on which framework you trust — IRT wins on Philip Fisher, Peter Lynch, and Joel Greenblatt; LTC wins on Warren Buffett, Benjamin Graham, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy IRT or LTC?

This page is an educational comparison, not investment advice. Both IRT and LTC are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is IRT better than LTC for value investing?

On the Buffett-style value-investing framework, LTC currently grades higher — 68/100 vs 46/100, a 22-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between IRT and LTC on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). IRT currently scores 46/100 (D grade); LTC scores 68/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, IRT or LTC?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. IRT and LTC are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, IRT or LTC?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are IRT and LTC both Real Estate stocks?

Yes — both Independence Realty Trust, Inc. (IRT) and LTC Properties, Inc. (LTC) operate in the Real Estate sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this IRT vs LTC comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Independence Realty

LTC Properties

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

IRT

Independence Realty

Market cap

$3.97B

Sector

Real Estate

LTC

LTC Properties

Market cap

$1.97B

Sector

Real Estate

Overall winner

LTC Properties LTC

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	IRT	LTC	Winner
Warren Buffett	46D	68D	LTC
Benjamin Graham	38D	60C	LTC
Philip Fisher	73C	70C	IRT
Peter Lynch	81C	50C	IRT
Joel Greenblatt	71C	42D	IRT
Charlie Munger	49D	65D	LTC
Terry Smith	49D	65D	LTC

Side-by-side metrics

Metric	IRT	LTC
Market cap	$3.97B	$1.97B
P/E (TTM)	81.6x	15.4x
EV/EBIT	51.2x	22.2x
ROIC (TTM)	4.66%	3.86%
Gross margin	20.25%	59.35%
Net margin	7.27%	39.08%
Revenue CAGR 5y	27.32%	14.06%
EPS CAGR 5y	33.57%	15.97%
Debt / Equity	0.7x	0.8x
Dividend yield	4.2%	5.93%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

IRT leads on

ROIC (TTM)4.66%vs 3.86%+99%
EPS CAGR 5y33.57%vs 15.97%+52%
Market cap$3.97Bvs $1.97B+50%
Revenue CAGR 5y27.32%vs 14.06%+49%

LTC leads on

Net margin39.08%vs 7.27%+81%
P/E (TTM)15.4xvs 81.6x+81%
Gross margin59.35%vs 20.25%+66%
EV/EBIT22.2xvs 51.2x+57%

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Independence Realty

LTC Properties

Fit scores by strategy

Side-by-side metrics

Where each one wins

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