Cto Realty Growth Inc Financials
This page shows Cto Realty Growth Inc (CTO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Cash-generative assets support rising revenue, but interest costs and reinvestment keep reported profit and cash balances thin.
Between FY2023 and FY2025, operating cash flow rose from$46.3M to$64.6M even though net income stayed modest, showing that depreciation-heavy earnings convert to cash better than the income statement alone suggests. That cash still does not accumulate because long-term debt climbed to$616.3M while cash fell to$6.5M , a sign that the business recycles capital into assets and payouts instead of building a large liquidity cushion.
The operating layer recovered faster than the bottom line: gross margin reached
The balance sheet became more debt-funded as debt to equity reached 1.1x and retained earnings fell to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Cto Realty Growth Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Cto Realty Growth Inc has an operating margin of 22.8%, meaning the company retains $23 of operating profit per $100 of revenue. This strong profitability earns a score of 68/100, reflecting efficient cost management and pricing power. This is up from 14.1% the prior year.
Cto Realty Growth Inc's revenue surged 20.1% year-over-year to $149.5M, reflecting rapid business expansion. This strong growth earns a score of 62/100.
Cto Realty Growth Inc carries a low D/E ratio of 1.09, meaning only $1.09 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 80/100, indicating a strong balance sheet with room for future borrowing.
Cto Realty Growth Inc generates a 0.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is up from -1.4% the prior year.
Cto Realty Growth Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Cto Realty Growth Inc generates $25.04 in operating cash flow ($64.6M OCF vs $2.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Cto Realty Growth Inc earns $1.3 in operating income for every $1 of interest expense ($34.0M vs $26.9M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Cto Realty Growth Inc generated $149.5M in revenue in fiscal year 2025. This represents an increase of 20.1% from the prior year.
Cto Realty Growth Inc's EBITDA was $94.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 13.8% from the prior year.
Cto Realty Growth Inc reported $2.6M in net income in fiscal year 2025. This represents an increase of 129.4% from the prior year.
Cto Realty Growth Inc earned $0.08 per diluted share (EPS) in fiscal year 2025. This represents an increase of 122.9% from the prior year.
Cash & Balance Sheet
Cto Realty Growth Inc held $6.5M in cash against $616.3M in long-term debt as of fiscal year 2025.
Cto Realty Growth Inc had 33M shares outstanding in fiscal year 2025. This represents an increase of 2.3% from the prior year.
Margins & Returns
Cto Realty Growth Inc's gross margin was 74.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 1.3 percentage points from the prior year.
Cto Realty Growth Inc's operating margin was 22.8% in fiscal year 2025, reflecting core business profitability. This is up 8.6 percentage points from the prior year.
Cto Realty Growth Inc's net profit margin was 1.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.8 percentage points from the prior year.
Cto Realty Growth Inc's ROE was 0.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.
Capital Allocation
Cto Realty Growth Inc spent $9.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1308.9% from the prior year.
CTO Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.2M+7.4% | $38.3M+1.5% | $37.8M+0.3% | $37.6M+5.1% | $35.8M+0.2% | $35.7M+12.4% | $31.8M+10.3% | $28.8M |
| Cost of Revenue | $10.2M+6.1% | $9.6M+3.3% | $9.3M-8.9% | $10.2M+14.5% | $8.9M-2.9% | $9.2M+12.2% | $8.2M-2.2% | $8.3M |
| Gross Profit | $31.0M+7.8% | $28.8M+1.0% | $28.5M+3.7% | $27.5M+2.0% | $26.9M+1.3% | $26.6M+12.4% | $23.6M+15.3% | $20.5M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $5.1M+10.0% | $4.6M-3.4% | $4.8M+7.5% | $4.4M-5.0% | $4.7M+3.6% | $4.5M+10.9% | $4.1M+17.8% | $3.5M |
| Operating Income | $10.3M-64.3% | $28.8M+187.2% | $10.0M+179.1% | -$12.7M-261.0% | $7.9M+207.8% | -$7.3M-247.2% | $5.0M-8.7% | $5.4M |
| Interest Expense | $7.3M+2.4% | $7.1M+3.9% | $6.8M-0.4% | $6.9M+11.8% | $6.1M+6.6% | $5.8M+2.2% | $5.6M+0.5% | $5.6M |
| Income Tax | $60K-58.0% | $143K+146.6% | $58K-70.1% | $194K+280.4% | $51K+111.7% | -$437K-431.1% | $132K+80.8% | $73K |
| Net Income | $6.2M-70.2% | $20.8M+614.6% | $2.9M+112.4% | -$23.4M-1135.7% | $2.3M+110.3% | -$22.0M-453.8% | $6.2M+426.4% | $1.2M |
| EPS (Diluted) | $0.13 | N/A | $0.03+103.9% | $-0.77-7800.0% | $0.01 | N/A | $0.17+666.7% | $-0.03 |
CTO Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+2.8% | $1.3B+3.4% | $1.2B-0.9% | $1.2B-0.9% | $1.2B+5.3% | $1.2B+0.5% | $1.2B+16.5% | $1.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $8.3M+28.1% | $6.5M-30.3% | $9.3M+8.5% | $8.6M+1.5% | $8.4M-6.5% | $9.0M+10.3% | $8.2M+70.5% | $4.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $724.3M+4.0% | $696.6M+4.7% | $665.1M+0.9% | $659.2M+1.4% | $650.0M+14.3% | $568.8M-2.0% | $580.3M+12.0% | $518.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $649.5M+5.4% | $616.3M+2.0% | $604.2M-0.2% | $605.4M+0.5% | $602.2M+16.0% | $519.0M-1.5% | $526.8M+9.2% | $482.7M |
| Total Equity | $575.4M+1.4% | $567.3M+1.8% | $557.3M-2.9% | $574.1M-3.3% | $593.9M-3.1% | $612.8M+2.9% | $595.8M+21.1% | $491.8M |
| Retained Earnings | $176.4M-4.6% | $184.9M+8.2% | $170.8M-6.3% | $182.4M-17.2% | $220.3M-5.1% | $232.1M-11.2% | $261.4M-2.6% | $268.3M |
CTO Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.6M+112.8% | $6.9M-73.1% | $25.5M+16.3% | $21.9M+112.6% | $10.3M-26.5% | $14.0M-33.8% | $21.2M+64.5% | $12.9M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$68.7M-388.5% | $23.8M+447.2% | -$6.9M+11.9% | -$7.8M+90.4% | -$80.7M-365.4% | -$17.3M+90.1% | -$174.6M-1654.8% | $11.2M |
| Financing Cash Flow | $31.8M+547.2% | -$7.1M+64.3% | -$19.9M-86.7% | -$10.7M-115.6% | $68.4M+533.3% | $10.8M-93.1% | $157.1M+579.4% | -$32.8M |
| Dividends Paid | $12.6M+2.7% | $12.2M-1.3% | $12.4M-0.3% | $12.4M+3.4% | $12.0M+0.6% | $11.9M+8.3% | $11.0M+26.7% | $8.7M |
| Share Buybacks | N/A | $5.0M+16.3% | $4.3M | N/A | N/A | $0 | $0 | $0 |
CTO Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.3%+0.3pp | 75.0%-0.4pp | 75.4%+2.5pp | 73.0%-2.2pp | 75.2%+0.8pp | 74.4%+0.0pp | 74.4%+3.3pp | 71.1% |
| Operating Margin | 25.0%-50.1pp | 75.1%+48.5pp | 26.6%+60.2pp | -33.7%-55.7pp | 22.0%+42.4pp | -20.4%-36.0pp | 15.6%-3.2pp | 18.8% |
| Net Margin | 15.1%-39.2pp | 54.3%+46.6pp | 7.7%+69.9pp | -62.2%-68.5pp | 6.3%+68.0pp | -61.6%-81.2pp | 19.6%+15.5pp | 4.1% |
| Return on Equity | 1.1%-2.6pp | 3.7%+3.1pp | 0.5%+4.6pp | -4.1%-4.5pp | 0.4%+4.0pp | -3.6%-4.6pp | 1.1%+0.8pp | 0.2% |
| Return on Assets | 0.5%-1.2pp | 1.7%+1.4pp | 0.2%+2.1pp | -1.9%-2.1pp | 0.2%+2.0pp | -1.9%-2.4pp | 0.5%+0.4pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.13+0.0 | 1.090.0 | 1.08+0.0 | 1.05+0.0 | 1.01+0.2 | 0.85-0.0 | 0.88-0.1 | 0.98 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Cto Realty Growth Inc's annual revenue?
Cto Realty Growth Inc (CTO) reported $149.5M in total revenue for fiscal year 2025. This represents a 20.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cto Realty Growth Inc's revenue growing?
Cto Realty Growth Inc (CTO) revenue grew by 20.1% year-over-year, from $124.5M to $149.5M in fiscal year 2025.
Is Cto Realty Growth Inc profitable?
Yes, Cto Realty Growth Inc (CTO) reported a net income of $2.6M in fiscal year 2025, with a net profit margin of 1.7%.
What is Cto Realty Growth Inc's EBITDA?
Cto Realty Growth Inc (CTO) had EBITDA of $94.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cto Realty Growth Inc have?
As of fiscal year 2025, Cto Realty Growth Inc (CTO) had $6.5M in cash and equivalents against $616.3M in long-term debt.
What is Cto Realty Growth Inc's gross margin?
Cto Realty Growth Inc (CTO) had a gross margin of 74.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Cto Realty Growth Inc's operating margin?
Cto Realty Growth Inc (CTO) had an operating margin of 22.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Cto Realty Growth Inc's net profit margin?
Cto Realty Growth Inc (CTO) had a net profit margin of 1.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Cto Realty Growth Inc's return on equity (ROE)?
Cto Realty Growth Inc (CTO) has a return on equity of 0.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Cto Realty Growth Inc's operating cash flow?
Cto Realty Growth Inc (CTO) generated $64.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Cto Realty Growth Inc's total assets?
Cto Realty Growth Inc (CTO) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Cto Realty Growth Inc's debt-to-equity ratio?
Cto Realty Growth Inc (CTO) had a debt-to-equity ratio of 1.09 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cto Realty Growth Inc's return on assets (ROA)?
Cto Realty Growth Inc (CTO) had a return on assets of 0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Cto Realty Growth Inc's Piotroski F-Score?
Cto Realty Growth Inc (CTO) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cto Realty Growth Inc's earnings high quality?
Cto Realty Growth Inc (CTO) has an earnings quality ratio of 25.04x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Cto Realty Growth Inc cover its interest payments?
Cto Realty Growth Inc (CTO) has an interest coverage ratio of 1.3x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Cto Realty Growth Inc?
Cto Realty Growth Inc (CTO) scores 37 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.