The earnings call presented a mixed picture. On the positive side, the company has significantly reduced its office loan exposure, made new investments, and maintained strong liquidity and leverage ratios. However, these highlights are balanced by a GAAP net loss and realized losses from loan exits, along with challenges in the office sector. Although there are positive developments, the financial indicators and sector challenges suggest cautious optimism.

Company Guidance -

Q3 2025

During the second quarter of 2025, Ares Commercial Real Estate Corporation made significant strides in achieving its strategic objectives. The company reduced its office loans to $524 million, marking a 10% decrease from the previous quarter and a 30% decline year-over-year. The exit of a $51 million office life sciences loan, albeit with a $33 million realized loss, led to a 50% reduction in future funding commitments, down from $73 million in Q1 2025 to $36.5 million by the end of June 2025. Despite reporting a GAAP net loss of approximately $11 million, or $0.20 per diluted share, and distributable earnings loss of $28 million, or $0.51 per share, the company maintained a strong financial position with a net debt-to-equity ratio of 1.2x, a decrease from 1.9x a year earlier. Ares also reduced its outstanding borrowings by 6% quarter-over-quarter. Looking forward, the company anticipates increased origination activity, having already closed $43 million in new loans post-quarter-end, as it continues to leverage its balance sheet to enhance earnings and dividend coverage.

Reduction in Office Loans

The company reduced its office loans to $524 million, representing a decrease of 10% quarter-over-quarter and 30% year-over-year.

Significant Loan Repayments

Collected $337 million in repayments year-to-date, nearly 3x the amount in the first half of 2024, bolstering liquidity.

New Loan Investments

Closed 4 senior loans totaling $43 million collateralized by self-storage properties, marking the first investment commitments of 2025.

Improved Leverage Ratio

Net debt-to-equity ratio, excluding CECL, was maintained at 1.2x, down from 1.9x year-over-year.

Positive Signs in Risk-rated Loans

Upgraded a $56 million loan collateralized by a hotel property from risk-rated 3 to 2, indicating improved performance.

Ares Commercial (ACRE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ACRE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.01 / -	0.07	―	―	―
Aug 05, 2025	2025 (Q2)	0.00 / -0.51	-0.12	-325.00% (-0.39)
May 07, 2025	2025 (Q1)	>-0.01 / 0.13	-0.62	120.97% (+0.75)
Feb 12, 2025	2024 (Q4)	0.06 / -0.15	0.2	-175.00% (-0.35)
Nov 07, 2024	2024 (Q3)	0.10 / 0.07	0.25	-72.00% (-0.18)
Aug 06, 2024	2024 (Q2)	-0.09 / -0.12	0.35	-134.29% (-0.47)
May 09, 2024	2024 (Q1)	0.22 / -0.62	0.27	-329.63% (-0.89)
Feb 22, 2024	2023 (Q4)	-0.43 / 0.20	0.44	-54.55% (-0.24)
Nov 03, 2023	2023 (Q3)	0.23 / 0.25	0.39	-35.90% (-0.14)
Aug 02, 2023	2023 (Q2)	0.33 / 0.35	0.38	-7.89% (-0.03)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ACRE Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 05, 2025	$4.52	$4.16	-7.96%
May 07, 2025	$3.99	$4.54	+13.78%
Feb 12, 2025	$5.72	$5.02	-12.24%
Nov 07, 2024	$5.84	$6.43	+10.10%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Ares Commercial Real Estate Cor (ACRE) report earnings?

Ares Commercial Real Estate Cor (ACRE) is schdueled to report earning on Oct 29, 2025, Before Open (Confirmed).

What is Ares Commercial Real Estate Cor (ACRE) earnings time?

Ares Commercial Real Estate Cor (ACRE) earnings time is at Oct 29, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ACRE EPS forecast?

ACRE EPS forecast for the fiscal quarter 2025 (Q3) is 0.01.

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