📊 CMTG Key Takeaways
Investment Thesis
Claros Mortgage Trust is experiencing severe financial distress with a net loss of $489.1M in the latest period, negative operating cash flow of $30.5M, and an interest coverage ratio of only 0.4x indicating inability to service debt obligations. The 51.8% revenue decline combined with a negative net margin of -260.4% and negative ROE of -31.9% demonstrate fundamental business deterioration that threatens the viability of the enterprise.
CMTG Strengths
- Maintains $173.2M in cash and equivalents providing near-term liquidity buffer
- Operating income of $134.8M shows core business generated some positive results despite overall losses
- Total assets of $4.7B represent substantial asset base in mortgage trust portfolio
CMTG Risks
- Massive net loss of $489.1M with negative net margin of -260.4% indicates fundamental unprofitability and potential asset impairment charges
- Interest coverage ratio of 0.4x is critically low, suggesting inability to cover interest expenses and severe default risk on $3.2B long-term debt
- Revenue collapse of 51.8% YoY combined with negative operating cash flow of $30.5M indicates deteriorating core business and potential liquidity crisis
- Debt-to-equity ratio of 2.06x represents high financial leverage with limited equity cushion to absorb further losses
- Negative ROA of -10.4% and ROE of -31.9% demonstrate value destruction for shareholders and asset holders
Key Metrics to Watch
- Interest coverage ratio - critical threshold is minimum 1.5x for debt service sustainability
- Operating cash flow trend - must return to positive territory to demonstrate business viability
- Revenue trajectory - need stabilization and growth recovery from 51.8% YoY decline
- Loan loss provisions and asset quality metrics - critical for mortgage REITs
- Debt refinancing ability and maturity schedule - given low interest coverage ratio
CMTG Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CMTG Profitability Ratios
CMTG vs Default Sector
How Claros Mortgage Trust, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CMTG Balance Sheet & Liquidity
CMTG 5-Year Financial Trend
5-Year Trend Summary: Claros Mortgage Trust, Inc.'s revenue has grown significantly by 12% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.02 reflects profitable operations.
CMTG Growth Metrics (YoY)
CMTG Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $46.1M | -$9.5M | $-0.07 |
| Q2 2025 | $51.6M | -$11.6M | $-0.09 |
| Q1 2025 | $43.4M | -$52.8M | $-0.39 |
| Q3 2024 | $64.9M | $4.3M | $-0.22 |
| Q2 2024 | $64.5M | $4.3M | $0.02 |
| Q1 2024 | $58.8M | $36.7M | $0.26 |
| Q3 2023 | $76.4M | $4.3M | $-0.22 |
| Q2 2023 | $69.2M | $4.3M | $0.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CMTG Capital Allocation
CMTG SEC Filings
Access official SEC EDGAR filings for Claros Mortgage Trust, Inc. (CIK: 0001666291)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CMTG
What is the AI rating for CMTG?
Claros Mortgage Trust, Inc. (CMTG) has an AI rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CMTG's key strengths?
Maintains $173.2M in cash and equivalents providing near-term liquidity buffer. Operating income of $134.8M shows core business generated some positive results despite overall losses.
What are the risks of investing in CMTG?
Massive net loss of $489.1M with negative net margin of -260.4% indicates fundamental unprofitability and potential asset impairment charges. Interest coverage ratio of 0.4x is critically low, suggesting inability to cover interest expenses and severe default risk on $3.2B long-term debt.
What is CMTG's revenue and growth?
Claros Mortgage Trust, Inc. reported revenue of $187.8M.
Does CMTG pay dividends?
Claros Mortgage Trust, Inc. does not currently pay dividends.
Where can I find CMTG SEC filings?
Official SEC filings for Claros Mortgage Trust, Inc. (CIK: 0001666291) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CMTG's EPS?
Claros Mortgage Trust, Inc. has a diluted EPS of $-3.49.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.