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ACRES COMMERCIAL REALTY CORP (ACR) Stock Fundamental Analysis

NYSE:ACR - New York Stock Exchange, Inc. - US00489Q1022 - REIT - Currency: USD

19.46  +0.17 (+0.88%)

After market: 19.46 0 (0%)

Fundamental Rating

3

Taking everything into account, ACR scores 3 out of 10 in our fundamental rating. ACR was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While ACR is still in line with the averages on profitability rating, there are concerns on its financial health. ACR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

ACR had negative earnings in the past year.
ACR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ACR reported negative net income in multiple years.
ACR had a positive operating cash flow in each of the past 5 years.
ACR Yearly Net Income VS EBIT VS OCF VS FCFACR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.48%, ACR is in the better half of the industry, outperforming 62.69% of the companies in the same industry.
Looking at the Return On Equity, with a value of 2.08%, ACR is in line with its industry, outperforming 41.79% of the companies in the same industry.
ACR has a Return On Invested Capital of 0.54%. This is in the better half of the industry: ACR outperforms 64.18% of its industry peers.
ACR had an Average Return On Invested Capital over the past 3 years of 0.54%. This is in line with the industry average of 1.41%.
The last Return On Invested Capital (0.54%) for ACR is above the 3 year average (0.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.48%
ROE 2.08%
ROIC 0.54%
ROA(3y)0.08%
ROA(5y)-2.31%
ROE(3y)0.25%
ROE(5y)-11.49%
ROIC(3y)0.54%
ROIC(5y)N/A
ACR Yearly ROA, ROE, ROICACR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

With a Profit Margin value of 4.57%, ACR perfoms like the industry average, outperforming 46.27% of the companies in the same industry.
ACR's Profit Margin has declined in the last couple of years.
ACR's Operating Margin of 5.81% is in line compared to the rest of the industry. ACR outperforms 43.28% of its industry peers.
ACR's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 38.58%, ACR belongs to the best of the industry, outperforming 83.58% of the companies in the same industry.
In the last couple of years the Gross Margin of ACR has remained more or less at the same level.
Industry RankSector Rank
OM 5.81%
PM (TTM) 4.57%
GM 38.58%
OM growth 3Y-45.63%
OM growth 5Y-26.08%
PM growth 3Y-34.18%
PM growth 5Y-23.69%
GM growth 3Y-1.09%
GM growth 5Y1.39%
ACR Yearly Profit, Operating, Gross MarginsACR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200

3

2. Health

2.1 Basic Checks

ACR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ACR has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, ACR has less shares outstanding
The debt/assets ratio for ACR has been reduced compared to a year ago.
ACR Yearly Shares OutstandingACR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ACR Yearly Total Debt VS Total AssetsACR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

Based on the Altman-Z score of -0.43, we must say that ACR is in the distress zone and has some risk of bankruptcy.
ACR has a worse Altman-Z score (-0.43) than 64.18% of its industry peers.
ACR has a Debt/Equity ratio of 2.80. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ACR (2.80) is better than 73.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF N/A
Altman-Z -0.43
ROIC/WACC0.08
WACC6.84%
ACR Yearly LT Debt VS Equity VS FCFACR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 0.36 indicates that ACR may have some problems paying its short term obligations.
ACR has a better Current ratio (0.36) than 61.19% of its industry peers.
A Quick Ratio of 0.36 indicates that ACR may have some problems paying its short term obligations.
ACR has a Quick ratio of 0.36. This is in the better half of the industry: ACR outperforms 61.19% of its industry peers.
Industry RankSector Rank
Current Ratio 0.36
Quick Ratio 0.36
ACR Yearly Current Assets VS Current LiabilitesACR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1

3. Growth

3.1 Past

ACR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -105.13%.
Measured over the past years, ACR shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -15.41% on average per year.
ACR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.07%.
ACR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.60% yearly.
EPS 1Y (TTM)-105.13%
EPS 3Y-14.61%
EPS 5Y-15.41%
EPS Q2Q%-92.16%
Revenue 1Y (TTM)-10.07%
Revenue growth 3Y21.05%
Revenue growth 5Y6.6%
Sales Q2Q%4.48%

3.2 Future

Based on estimates for the next years, ACR will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.83% on average per year.
The Revenue is expected to decrease by -9.44% on average over the next years.
EPS Next Y-62.22%
EPS Next 2Y-11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.91%
Revenue Next 2Y-9.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ACR Yearly Revenue VS EstimatesACR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 100M 200M
ACR Yearly EPS VS EstimatesACR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4 -4

2

4. Valuation

4.1 Price/Earnings Ratio

ACR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
ACR is valuated rather expensively with a Price/Forward Earnings ratio of 18.01.
71.64% of the companies in the same industry are cheaper than ACR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.42, ACR is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 18.01
ACR Price Earnings VS Forward Price EarningsACR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100 -150

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ACR is valued cheaper than 82.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 67.97
ACR Per share dataACR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

ACR's earnings are expected to decrease with -11.83% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.83%
EPS Next 3YN/A

0

5. Dividend

5.1 Amount

ACR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

ACRES COMMERCIAL REALTY CORP

NYSE:ACR (8/4/2025, 8:04:00 PM)

After market: 19.46 0 (0%)

19.46

+0.17 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners42.26%
Inst Owner Change0.44%
Ins Owners3.48%
Ins Owner Change-0.12%
Market Cap143.81M
Analysts76.67
Price Target22.44 (15.31%)
Short Float %4.49%
Short Ratio5.32
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend2.58
Dividend Growth(5Y)-6.08%
DP219.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.88%
Min EPS beat(2)-39.59%
Max EPS beat(2)79.34%
EPS beat(4)2
Avg EPS beat(4)-4.01%
Min EPS beat(4)-65.56%
Max EPS beat(4)79.34%
EPS beat(8)6
Avg EPS beat(8)12.99%
EPS beat(12)9
Avg EPS beat(12)8.68%
EPS beat(16)10
Avg EPS beat(16)-15.79%
Revenue beat(2)1
Avg Revenue beat(2)0.8%
Min Revenue beat(2)-3.39%
Max Revenue beat(2)4.99%
Revenue beat(4)1
Avg Revenue beat(4)-3.54%
Min Revenue beat(4)-13.77%
Max Revenue beat(4)4.99%
Revenue beat(8)5
Avg Revenue beat(8)7.31%
Revenue beat(12)9
Avg Revenue beat(12)53.21%
Revenue beat(16)13
Avg Revenue beat(16)80.35%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)197.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-68.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.42%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 18.01
P/S 0.72
P/FCF N/A
P/OCF 7.57
P/B 0.33
P/tB 0.33
EV/EBITDA 67.97
EPS(TTM)-0.1
EYN/A
EPS(NY)1.08
Fwd EY5.55%
FCF(TTM)-3.52
FCFYN/A
OCF(TTM)2.57
OCFY13.21%
SpS27.01
BVpS59.4
TBVpS58.46
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 2.08%
ROCE 0.69%
ROIC 0.54%
ROICexc 0.56%
ROICexgc 0.57%
OM 5.81%
PM (TTM) 4.57%
GM 38.58%
FCFM N/A
ROA(3y)0.08%
ROA(5y)-2.31%
ROE(3y)0.25%
ROE(5y)-11.49%
ROIC(3y)0.54%
ROIC(5y)N/A
ROICexc(3y)0.56%
ROICexc(5y)N/A
ROICexgc(3y)0.56%
ROICexgc(5y)N/A
ROCE(3y)0.68%
ROCE(5y)N/A
ROICexcg growth 3Y-26.8%
ROICexcg growth 5Y-15.02%
ROICexc growth 3Y-26.89%
ROICexc growth 5Y-15.13%
OM growth 3Y-45.63%
OM growth 5Y-26.08%
PM growth 3Y-34.18%
PM growth 5Y-23.69%
GM growth 3Y-1.09%
GM growth 5Y1.39%
F-Score8
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF N/A
Debt/EBITDA 57.73
Cap/Depr 464.4%
Cap/Sales 22.55%
Interest Coverage 0.1
Cash Conversion 89.24%
Profit Quality N/A
Current Ratio 0.36
Quick Ratio 0.36
Altman-Z -0.43
F-Score8
WACC6.84%
ROIC/WACC0.08
Cap/Depr(3y)765.92%
Cap/Depr(5y)459.64%
Cap/Sales(3y)30.68%
Cap/Sales(5y)18.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-105.13%
EPS 3Y-14.61%
EPS 5Y-15.41%
EPS Q2Q%-92.16%
EPS Next Y-62.22%
EPS Next 2Y-11.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.07%
Revenue growth 3Y21.05%
Revenue growth 5Y6.6%
Sales Q2Q%4.48%
Revenue Next Year-3.91%
Revenue Next 2Y-9.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.89%
EBIT growth 3Y-34.19%
EBIT growth 5Y-21.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-425%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-58.7%
OCF growth 3Y-22.36%
OCF growth 5Y-15.19%