Claros Mortgage Trust (CMTG) AI Stock Analysis

• Market Cap: $466.93M
• Dividend Yield: N/A
• Average Volume (3M): 380.26K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.82
• Revenue Growth: -65.32%
• EPS Growth: -325.73%
• Country: US
• Employees: N/A
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Mortgage
• EPS (TTM): -0.15
• Shares Outstanding: 140,218,770
• 10 Day Avg. Volume: 458,873
• 30 Day Avg. Volume: 380,261
• PEG Ratio: <0.01
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 3.69
• P/FCF Ratio: 7.57
• Enterprise Value/Market Cap: 8.04
• Enterprise Value/Revenue: 10.76
• Enterprise Value/Gross Profit: -37.83
• Enterprise Value/Ebitda: -17.09
• 1Y Price Target: $3.50
• Price Target Upside: 5.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: $3.00 ▼(-9.91% Downside)

Claros Mortgage Trust's overall stock score is primarily impacted by its weak financial performance, characterized by negative growth and high leverage. While technical indicators and earnings call insights provide some neutral to slightly positive aspects, the company's valuation remains poor due to ongoing losses.

Positive Factors

Liquidity Improvement

Improved liquidity and reduced borrowings enhance financial stability, providing more flexibility to manage operations and investments.

Resolution Targets Exceeded

Exceeding resolution targets indicates effective management in resolving distressed assets, potentially improving future financial performance.

Multifamily Sector Potential

The favorable supply-demand dynamics in the multifamily sector offer growth opportunities, supporting long-term revenue potential.

Negative Factors

Declining Revenue and Profitability

Declining revenue and profitability indicate ongoing operational challenges, potentially impacting long-term financial health and growth.

High Leverage

High leverage can constrain financial flexibility and increase risk, especially in volatile market conditions, affecting long-term stability.

Non-Accrual Loan Risk

Non-accrual loans increase credit risk and reserve requirements, potentially impacting future earnings and financial resilience.

Claros Mortgage Trust Business Overview & Revenue Model

Company Description

Claros Mortgage Trust, Inc. is a real estate investment trust that focuses primarily on originating senior and subordinate loans on transitional commercial real estate assets located in principal markets across the United States. The company is qualified as a real estate investment trust (REIT) under the Internal Revenue Code. As a REIT, its net income would be exempt from federal taxation to the extent that it is distributed as dividends to shareholders. The company was incorporated in 2015 and is based in New York, New York.

How the Company Makes Money

Claros Mortgage Trust generates revenue primarily through interest income earned on the commercial mortgage loans it originates and holds in its portfolio. The company typically charges borrowers an interest rate that is higher than its own cost of capital, creating a profit margin. Additionally, CMTG may earn fees from loan origination, servicing, and other related activities. The trust also seeks to maximize returns through strategic investments in high-quality, income-producing real estate assets, which can appreciate over time. Partnerships with real estate developers, brokers, and financial institutions may enhance CMTG's ability to source attractive investment opportunities, thereby contributing to its overall earnings.

Claros Mortgage Trust Financial Statement Overview

Summary

Claros Mortgage Trust is experiencing severe financial difficulties, with declining revenues and profitability. The company is highly leveraged, posing significant risks in a challenging operating environment. Cash flow metrics indicate weak cash generation, further exacerbating financial instability.

Income Statement

Claros Mortgage Trust has experienced significant revenue decline, with a TTM revenue growth rate of -155.9%. The gross profit margin and net profit margin are both negative, indicating operational challenges. Historical data shows a downward trend in profitability, with EBIT and EBITDA margins also negative in the TTM period.

Balance Sheet

The company has a high debt-to-equity ratio of 2.29 in the TTM period, indicating significant leverage. Return on equity is negative, reflecting poor profitability. The equity ratio is not explicitly calculated, but the high leverage suggests a lower proportion of equity in the capital structure.

Cash Flow

Free cash flow growth is negative, with a significant decline of -209.25% in the TTM period. The operating cash flow to net income ratio is very low, suggesting weak cash generation relative to net losses. The free cash flow to net income ratio is relatively high, but this is due to negative net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	349.16M	170.67M	129.83M	270.20M	215.02M	267.71M
Gross Profit	-99.30M	-48.81M	80.33M	270.20M	215.02M	267.71M
EBITDA	-219.77M	-178.46M	185.65M	0.00	0.00	0.00
Net Income	-370.56M	-221.26M	6.03M	112.06M	170.55M	202.41M
Balance Sheet
Total Assets	5.44B	6.97B	8.07B	8.24B	7.46B	6.95B
Cash, Cash Equivalents and Short-Term Investments	339.52M	99.08M	188.20M	306.46M	310.19M	427.51M
Total Debt	1.46B	4.89B	5.56B	5.40B	4.57B	3.73B
Total Liabilities	3.69B	4.96B	5.77B	5.79B	4.85B	4.47B
Stockholders Equity	1.75B	2.01B	2.30B	2.46B	2.57B	2.45B
Cash Flow
Free Cash Flow	-16.27M	83.17M	109.05M	108.69M	202.09M	140.50M
Operating Cash Flow	-14.53M	84.52M	111.14M	111.03M	213.56M	140.50M
Investing Cash Flow	1.76B	779.91M	-39.34M	-773.30M	-373.20M	-208.86M
Financing Cash Flow	-1.54B	-945.82M	-205.07M	676.30M	62.80M	161.32M

Claros Mortgage Trust Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CMTG, the sentiment is Positive. The current price of 3.33 is above the 20-day moving average (MA) of 3.15, above the 50-day MA of 3.27, and above the 200-day MA of 3.12, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 61.52 is Neutral, neither overbought nor oversold. The STOCH value of 91.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMTG.

Claros Mortgage Trust Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
TRTX	64 Neutral	$706.70M	13.86	5.87%	10.63%	-10.86%	-5.90%
IVR	60 Neutral	$577.50M	15.97	6.56%	17.34%	48624.87%	-57.39%
KREF	54 Neutral	$549.49M	―	-0.16%	11.96%	-24.37%	-19.19%
GPMT	49 Neutral	$124.17M	-1.23	-9.11%	7.19%	-28.13%	62.49%
ACRE	48 Neutral	$286.69M	―	-1.42%	15.59%	-30.60%	87.95%
CMTG	44 Neutral	$466.93M	―	-19.24%	―	-65.32%	-325.73%

Claros Mortgage Trust Corporate Events

Claros Mortgage Trust’s Earnings Call: Progress Amid Challenges

Claros Mortgage Trust’s recent earnings call revealed a company navigating a transitional phase with a mix of achievements and challenges. The sentiment was cautiously optimistic, with significant progress in liquidity and loan resolutions, yet tempered by reported losses and high-risk loans that underscore ongoing hurdles.

Claros Mortgage Trust Reports Q3 2025 Financial Results

Claros Mortgage Trust, Inc. is a real estate investment trust focused on originating senior and subordinate loans on transitional commercial real estate assets in major U.S. markets, managed by Claros REIT Management LP.

Claros Mortgage Trust Amends Term Loan Agreement

On November 5, 2025, Claros Mortgage Trust, Inc. executed Amendment No. 6 to its Term Loan Credit Agreement, originally dated August 9, 2019. This amendment mandates a $150 million prepayment of outstanding term loans, adjusts financial covenants, and modifies certain company rights and obligations, impacting its financial operations and strategic flexibility.

The most recent analyst rating on (CMTG) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on Claros Mortgage Trust stock, see the CMTG Stock Forecast page.

Claros Mortgage Trust Reports Q3 2025 Net Loss

Claros Mortgage Trust reported a GAAP net loss of $9.5 million for the third quarter of 2025, with a distributable loss of $21.5 million. The company resolved $716 million in loans, executed significant asset sales, and maintained a loan portfolio with a 6.7% yield. Liquidity improved to $353 million, and the company exceeded its goal of $2 billion in loan resolutions for the year, enhancing liquidity and reducing leverage.

The most recent analyst rating on (CMTG) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on Claros Mortgage Trust stock, see the CMTG Stock Forecast page.

Claros Mortgage Trust Amends Repurchase Agreements with JPMorgan

On September 30, 2025, Claros Mortgage Trust, Inc. and its subsidiary, CMTG JNP Finance LLC, amended their Master Repurchase Agreements with JPMorgan Chase Bank, resulting in an increase of the maximum facility amount to $1.1 billion and a decrease to $1.9 billion, respectively. These amendments reflect strategic financial adjustments that could impact the company’s operational capacity and market positioning.

The most recent analyst rating on (CMTG) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Claros Mortgage Trust stock, see the CMTG Stock Forecast page.