📊 TPTA Key Takeaways
Is Terra Property Trust, Inc. (TPTA) a Good Investment?
Terra Property Trust is operationally unprofitable with -$1.3M operating income and -78.5% net margin despite 25.2% revenue growth, indicating fundamental business deterioration rather than growth. With negative interest coverage (-0.1x), the company cannot service its $178.9M debt from operations and is destroying shareholder value (ROE: -19%, ROA: -7.9%), raising significant solvency concerns.
Why Buy Terra Property Trust, Inc. Stock? TPTA Key Strengths
- Strong revenue growth of 25.2% year-over-year indicates market demand or expansion
- Positive free cash flow of $1.9M suggests some operational cash generation
- Adequate cash reserves of $33.2M provides runway for operations
TPTA Stock Risks: Terra Property Trust, Inc. Investment Risks
- Operating loss of -$1.3M with interest coverage ratio of -0.1x indicates inability to service debt from core operations
- Catastrophic net margin of -78.5% and -$27.8M net loss signal fundamental profitability crisis
- Debt/equity ratio of 1.22x combined with negative operating income creates unsustainable leverage position
Key Metrics to Watch
- Operating Income trend (critical for debt sustainability)
- Interest Coverage Ratio (must turn positive for viability)
- Net Margin improvement (path to profitability)
- Cash burn rate relative to 33.2M cash reserves (remaining runway)
Terra Property Trust, Inc. (TPTA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
TPTA Profit Margin, ROE & Profitability Analysis
TPTA vs Real Estate Sector: How Terra Property Trust, Inc. Compares
How Terra Property Trust, Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Terra Property Trust, Inc. Stock Overvalued? TPTA Valuation Analysis 2026
Based on fundamental analysis, Terra Property Trust, Inc. has mixed fundamental signals relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Terra Property Trust, Inc. Balance Sheet: TPTA Debt, Cash & Liquidity
TPTA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Terra Property Trust, Inc.'s revenue has remained relatively flat over the 5-year period, with a 1% decline. The most recent EPS of $-1.53 indicates the company is currently unprofitable.
TPTA Revenue Growth, EPS Growth & YoY Performance
TPTA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $7.3M | -$1.3M | $-0.28 |
| Q2 2025 | $8.6M | -$1.3M | $-0.31 |
| Q1 2025 | $12.5M | -$1.3M | $-0.05 |
| Q3 2024 | $12.2M | $547.5K | $-0.32 |
| Q2 2024 | $11.2M | $547.5K | $-0.31 |
| Q1 2024 | $15.0M | $547.5K | $0.02 |
| Q3 2023 | $13.7M | N/A | $-0.33 |
| Q2 2023 | $14.7M | N/A | $0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Terra Property Trust, Inc. Dividends, Buybacks & Capital Allocation
TPTA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Terra Property Trust, Inc. (CIK: 0001674356)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TPTA
What is the AI rating for TPTA?
Terra Property Trust, Inc. (TPTA) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TPTA's key strengths?
Claude: Strong revenue growth of 25.2% year-over-year indicates market demand or expansion. Positive free cash flow of $1.9M suggests some operational cash generation.
What are the risks of investing in TPTA?
Claude: Operating loss of -$1.3M with interest coverage ratio of -0.1x indicates inability to service debt from core operations. Catastrophic net margin of -78.5% and -$27.8M net loss signal fundamental profitability crisis.
What is TPTA's revenue and growth?
Terra Property Trust, Inc. reported revenue of $35.4M.
Does TPTA pay dividends?
Terra Property Trust, Inc. pays dividends, with $11.6M distributed to shareholders in the trailing twelve months.
Where can I find TPTA SEC filings?
Official SEC filings for Terra Property Trust, Inc. (CIK: 0001674356) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TPTA's EPS?
Terra Property Trust, Inc. has a diluted EPS of $-1.14.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is TPTA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Terra Property Trust, Inc. has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TPTA stock overvalued or undervalued?
Valuation metrics for TPTA: ROE of -19.0% (sector avg: 8%), net margin of -78.5% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
Should I buy TPTA stock in 2026?
Our dual AI analysis gives Terra Property Trust, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TPTA's free cash flow?
Terra Property Trust, Inc.'s operating cash flow is $1.9M, with capital expenditures of N/A. FCF margin is 5.4%.
How does TPTA compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin -78.5% (avg: 20%), ROE -19.0% (avg: 8%), current ratio N/A (avg: 1.5).