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Ares Commercial Real Estate Corp

ACRE

$3.40 ▼ -0.10 (-2.99%) at close

15 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Ares Commercial Real Estate Corp faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $186.6M

Dividend Yield 17.65%

Revenue Growth None

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.4x

FCF Yield —

Debt / Equity 1.86

info Valuation on last close. End-of-day price, Nov 5, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$85.41M

↑ +32.5% —

Net Income Profit after all expenses

$-902.00K

↑ +97.4% —

Long-Term Debt Long-term obligations

$948.18M

↑ +32.0% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

-40.0% YoY

-4.5% 12-yr CAGR

$1.00

FY 2014

$1.00

FY 2015

$1.04

FY 2016

$1.08

FY 2017

$1.16

FY 2018

$0.33

FY 2019

$0.33

FY 2020

$0.35

FY 2021

$0.35

FY 2022

$0.35

FY 2023

$1.00

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	—	—	—	—	—	—	—	—	—	—	32.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+550%)	110.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2100%)	—	—	—
EPS Growth YoY (%)	—	—	—	—	—	—	—	26.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-24.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	39.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	19.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	97.4% Excellent ↑ Excellent Improving Year-over-year change in net income	10.0% Fair ↓ Fair Declining Year-over-year change in net income	N/M	-50.7% Weak ↓ Weak Declining Year-over-year change in net income	176.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-41.0% Weak ↓ Weak Declining Year-over-year change in net income	-4.2% Weak ↓ Weak Declining Year-over-year change in net income	26.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.2% Weak ↓ Weak Declining Year-over-year change in net income	3.6% Caution ↓ Caution Declining Year-over-year change in net income	76.0% Excellent ↓ Excellent Declining Year-over-year change in net income	78.8% Excellent Excellent Year-over-year change in net income	1500.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	—	—	—	—	—	—	—	4.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.6% Fair Fair Compound annual EPS growth over 3 years	25.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Effective Tax Rate (%) (%)	-46.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	—	—	—	—	—	—	—	—	—	—	50.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	38.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	44.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	-6.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-181%)	-6.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-178%)	4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	0.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	1.86x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+86%)	1.33x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+33%)	1.43x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+43%)	1.28x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+28%)	—	—	2.10x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+110%)	2.09x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+109%)	2.55x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+155%)	2.23x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+123%)	1.52x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	2.02x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+102%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD)	$918.89M	$654.67M	$784.36M	$818.95M	$-50.62M	$-74.78M	$889.49M	$876.88M	$1.04B	$888.44M	$613.59M	$798.41M	$-20.10M	$-23.39M	$-1.24M
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	—	—	—	—	—	—	—	—	—	—	$3.00	$2.27	$1.62	—	—
Basic EPS, GAAP (USD)	—	—	—	—	—	—	—	$1.35	$1.07	$1.42	$1.20	$0.86	$0.72	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$1.00	$0.35	$0.35	$0.35	$0.33	$0.33	$1.16	$1.08	$1.04	$1.00	$1.00	$1.00	$0.67	—
Book Value per Share (USD)	$9.26	$9.90	$11.56	$13.73	$14.39	$14.14	$14.77	$14.80	$14.66	$14.71	$14.31	$14.10	$14.25	$110.29	—
Tangible Book Value per Share (USD)	$9.26	$9.90	$11.56	$13.73	$14.39	$14.14	$14.77	$14.80	$14.66	$14.71	$14.31	$14.10	$14.25	$110.29	—
Basic Weighted Avg Shares (shares)	54.89M	54.45M	54.28M	51.68M	42.40M	32.98M	28.61M	28.53M	28.48M	28.46M	28.50M	28.46M	18.99M	6.53M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
LT Debt (USD)	$948.18M	$718.47M	$894.82M	$960.23M	—	—	$894.74M	$887.97M	$1.07B	$935.71M	$622.58M	$814.96M	—	—	—
Total Equity (USD)	$509.57M	$540.13M	$625.85M	$747.54M	$678.63M	$473.01M	$426.34M	$425.59M	$419.17M	$419.03M	$409.47M	$402.95M	$406.22M	$165.44M	$6.44M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	—	—	—	—	—	—	—	—	$85.41M	$64.46M	$30.70M	—	—
Depreciation Expense (USD)	$8.47M	$4.76M	$1.02M	$0.00	$825.00K	$892.00K	$667.00K	$0.00	$0.00	$167.00K	$219.00K	$160.00K	$38.00K	—	—
Net Income, GAAP (USD)	$-902.00K	$-34.99M	$-38.87M	$29.79M	$60.46M	$21.84M	$36.99M	$38.60M	$30.43M	$44.87M	$43.32M	$24.62M	$13.77M	$860.00K	—
Operating Cash Flow (USD)	$21.35M	$35.55M	$46.79M	$57.16M	$48.35M	$31.76M	$32.45M	$39.22M	$31.27M	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
FFO (approx.) (USD)	$7.57M	$-30.23M	$-37.85M	—	—	—	—	—	—	—	—	—	—	—	—
FFO per Share (approx.) (USD)	$0.14	$-0.56	$-0.70	—	—	—	—	—	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 15 years · 59 quarters

Ares Commercial Real Estate Corp

Analytical Summary

15-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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