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ACRES COMMERCIAL REALTY CORP (ACR) Stock Fundamental Analysis

USA - NYSE:ACR - US00489Q1022 - REIT

19.24 USD
-0.03 (-0.16%)
Last: 10/24/2025, 8:07:50 PM
19.24 USD
0 (0%)
After Hours: 10/24/2025, 8:07:50 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ACR. ACR was compared to 68 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

4

1. Profitability

1.1 Basic Checks

ACR had negative earnings in the past year.
In the past year ACR had a positive cash flow from operations.
In multiple years ACR reported negative net income over the last 5 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 0.02%, ACR is doing worse than 63.24% of the companies in the same industry.
With a Return On Equity value of 0.08%, ACR is not doing good in the industry: 63.24% of the companies in the same industry are doing better.
ACR has a Return On Invested Capital of 0.57%. This is in the better half of the industry: ACR outperforms 67.65% of its industry peers.
ACR had an Average Return On Invested Capital over the past 3 years of 0.53%. This is in line with the industry average of 1.25%.
The last Return On Invested Capital (0.57%) for ACR is above the 3 year average (0.53%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.02%
ROE 0.08%
ROIC 0.57%
ROA(3y)0.08%
ROA(5y)-2.31%
ROE(3y)0.25%
ROE(5y)-11.49%
ROIC(3y)0.53%
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

Looking at the Profit Margin, with a value of 0.18%, ACR is doing worse than 63.24% of the companies in the same industry.
In the last couple of years the Profit Margin of ACR has declined.
With a Operating Margin value of 6.47%, ACR perfoms like the industry average, outperforming 41.18% of the companies in the same industry.
In the last couple of years the Operating Margin of ACR has declined.
ACR has a Gross Margin of 42.19%. This is amongst the best in the industry. ACR outperforms 83.82% of its industry peers.
ACR's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 6.47%
PM (TTM) 0.18%
GM 42.19%
OM growth 3Y-46.25%
OM growth 5Y-26.58%
PM growth 3Y-34.18%
PM growth 5Y-23.68%
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.
Compared to 1 year ago, ACR has less shares outstanding
The number of shares outstanding for ACR has been reduced compared to 5 years ago.
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

ACR has an Altman-Z score of -0.47. This is a bad value and indicates that ACR is not financially healthy and even has some risk of bankruptcy.
ACR's Altman-Z score of -0.47 is on the low side compared to the rest of the industry. ACR is outperformed by 60.29% of its industry peers.
ACR has a Debt/Equity ratio of 2.78. This is a high value indicating a heavy dependency on external financing.
ACR's Debt to Equity ratio of 2.78 is fine compared to the rest of the industry. ACR outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF N/A
Altman-Z -0.47
ROIC/WACC0.08
WACC6.83%
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

ACR has a Current Ratio of 0.31. This is a bad value and indicates that ACR is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.31, ACR is in the better half of the industry, outperforming 61.76% of the companies in the same industry.
ACR has a Quick Ratio of 0.31. This is a bad value and indicates that ACR is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.31, ACR is doing good in the industry, outperforming 61.76% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
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

2

3. Growth

3.1 Past

The earnings per share for ACR have decreased strongly by -105.13% in the last year.
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.
The Revenue for ACR has decreased by -15.89% in the past year. This is quite bad
Measured over the past years, ACR shows a small growth in Revenue. The Revenue has been growing by 6.60% on average per year.
EPS 1Y (TTM)-105.13%
EPS 3Y-14.58%
EPS 5Y-15.41%
EPS Q2Q%-92.16%
Revenue 1Y (TTM)-15.89%
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 -11.21% on average per year.
ACR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.26% yearly.
EPS Next Y-137.78%
EPS Next 2Y-11.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.69%
Revenue Next 2Y1.26%
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

1

4. Valuation

4.1 Price/Earnings Ratio

ACR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 17.56 indicates a rather expensive valuation of ACR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACR indicates a slightly more expensive valuation: ACR is more expensive than 67.65% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.99. ACR is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 17.56
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACR indicates a rather cheap valuation: ACR is cheaper than 85.29% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 56.12
ACR Per share dataACR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40 50

4.3 Compensation for Growth

A cheap valuation may be justified as ACR's earnings are expected to decrease with -11.21% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.21%
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 (10/24/2025, 8:07:50 PM)

After market: 19.24 0 (0%)

19.24

-0.03 (-0.16%)

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)10-29 2025-10-29/amc
Inst Owners51.16%
Inst Owner Change-0.02%
Ins Owners3.46%
Ins Owner Change-0.12%
Market Cap142.95M
Revenue(TTM)180.58M
Net Income(TTM)323.00K
Analysts76.67
Price Target23.97 (24.58%)
Short Float %3.08%
Short Ratio10.18
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend2.58
Dividend Growth(5Y)-6.04%
DP6513.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-169.78%
Min EPS beat(2)-262.19%
Max EPS beat(2)-77.37%
EPS beat(4)1
Avg EPS beat(4)-74.95%
Min EPS beat(4)-262.19%
Max EPS beat(4)79.34%
EPS beat(8)4
Avg EPS beat(8)-35.48%
EPS beat(12)8
Avg EPS beat(12)-15.84%
EPS beat(16)10
Avg EPS beat(16)-25.89%
Revenue beat(2)1
Avg Revenue beat(2)-8.17%
Min Revenue beat(2)-22.92%
Max Revenue beat(2)6.58%
Revenue beat(4)2
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-22.92%
Max Revenue beat(4)6.58%
Revenue beat(8)4
Avg Revenue beat(8)0.67%
Revenue beat(12)8
Avg Revenue beat(12)30.82%
Revenue beat(16)12
Avg Revenue beat(16)55.98%
PT rev (1m)0%
PT rev (3m)6.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-53.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-200%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.34%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 17.56
P/S 0.79
P/FCF N/A
P/OCF 8.62
P/B 0.34
P/tB 0.34
EV/EBITDA 56.12
EPS(TTM)-0.1
EYN/A
EPS(NY)1.1
Fwd EY5.7%
FCF(TTM)-0.61
FCFYN/A
OCF(TTM)2.23
OCFY11.6%
SpS24.3
BVpS57.24
TBVpS56.34
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.02%
ROE 0.08%
ROCE 0.72%
ROIC 0.57%
ROICexc 0.58%
ROICexgc 0.59%
OM 6.47%
PM (TTM) 0.18%
GM 42.19%
FCFM N/A
ROA(3y)0.08%
ROA(5y)-2.31%
ROE(3y)0.25%
ROE(5y)-11.49%
ROIC(3y)0.53%
ROIC(5y)N/A
ROICexc(3y)0.55%
ROICexc(5y)N/A
ROICexgc(3y)0.55%
ROICexgc(5y)N/A
ROCE(3y)0.67%
ROCE(5y)N/A
ROICexgc growth 3Y-27.63%
ROICexgc growth 5Y-15.6%
ROICexc growth 3Y-27.72%
ROICexc growth 5Y-15.71%
OM growth 3Y-46.25%
OM growth 5Y-26.58%
PM growth 3Y-34.18%
PM growth 5Y-23.68%
GM growth 3Y-1.09%
GM growth 5Y1.39%
F-Score6
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF N/A
Debt/EBITDA 47.07
Cap/Depr 157%
Cap/Sales 11.68%
Interest Coverage 0.12
Cash Conversion 66.05%
Profit Quality N/A
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z -0.47
F-Score6
WACC6.83%
ROIC/WACC0.08
Cap/Depr(3y)766.24%
Cap/Depr(5y)459.83%
Cap/Sales(3y)30.67%
Cap/Sales(5y)18.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-105.13%
EPS 3Y-14.58%
EPS 5Y-15.41%
EPS Q2Q%-92.16%
EPS Next Y-137.78%
EPS Next 2Y-11.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.89%
Revenue growth 3Y21.05%
Revenue growth 5Y6.6%
Sales Q2Q%4.48%
Revenue Next Year-0.69%
Revenue Next 2Y1.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-34.43%
EBIT growth 3Y-34.93%
EBIT growth 5Y-21.74%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-125.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.82%
OCF growth 3Y-21.84%
OCF growth 5Y-14.85%

ACRES COMMERCIAL REALTY CORP / ACR FAQ

What is the ChartMill fundamental rating of ACRES COMMERCIAL REALTY CORP (ACR) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ACR.


What is the valuation status for ACR stock?

ChartMill assigns a valuation rating of 1 / 10 to ACRES COMMERCIAL REALTY CORP (ACR). This can be considered as Overvalued.


What is the profitability of ACR stock?

ACRES COMMERCIAL REALTY CORP (ACR) has a profitability rating of 4 / 10.


Can you provide the dividend sustainability for ACR stock?

The dividend rating of ACRES COMMERCIAL REALTY CORP (ACR) is 0 / 10 and the dividend payout ratio is 6513.31%.