Cto Realty Growth Inc Financials
Cto Realty Growth Inc (CTO) reported $149.5M in revenue for fiscal year 2025, up 20.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
High gross-margin cash generation is largely absorbed by debt service, depreciation, and dividends before equity can compound.
By FY2025, operating cash flow of$64.6M was far larger than net income of$2.6M , showing that reported earnings are heavily reduced by non-cash charges. As revenue climbed from$109.1M in FY2023 to$149.5M , that gap persisted, implying depreciation and interest — not weak gross-margin economics — are the main reasons profit stays near breakeven.
The capital base expanded faster than internally kept profit: assets reached
Dividend payments of
Financial Health Signals
Scored against REITs for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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 passes 6 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 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.
Cto Realty Growth Inc reported $2.6M of net income while generating $64.6M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.
Cto Realty Growth Inc earns $1.26 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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
CTO Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $154.9M | $149.5M+20.1% | $124.5M+14.1% | $109.1M+32.6% | $82.3M+17.1% | $70.3M+24.6% | $56.4M+25.5% | $44.9M+2.9% | $43.7M+13.0% | $38.7M-41.3% | $65.9M+53.2% | $43.0M+19.3% | $36.1M+38.3% | $26.1M+60.6% | $16.2M+25.2% | $13.0M |
| Cost of Revenue | $39.2M | $37.9M+14.2% | $33.2M+10.1% | $30.2M+32.0% | $22.9M+1.9% | $22.4M+47.5% | $15.2M+114.1% | $7.1M-18.9% | $8.8M+5.1% | $8.3M-58.8% | $20.3M | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | $115.7M | $111.6M+22.3% | $91.3M+15.7% | $78.9M+32.8% | $59.5M+24.3% | $47.8M+16.2% | $41.2M+8.8% | $37.8M+8.4% | $34.9M+15.1% | $30.3M-33.6% | $45.6M | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $18.9M | $18.5M+13.9% | $16.3M+14.2% | $14.2M+10.5% | $12.9M+15.1% | $11.2M-3.2% | $11.6M+17.8% | $9.8M+0.3% | $9.8M-4.6% | $10.3M-0.4% | $10.3M+17.6% | $8.8M+24.7% | $7.0M+29.1% | $5.4M-18.0% | $6.6M+21.8% | $5.4M |
| Operating Income | $36.4M | $34.0M+93.1% | $17.6M-33.6% | $26.5M+148.5% | $10.7M-54.3% | $23.3M+90.1% | $12.3M-64.1% | $34.2M+9.0% | $31.4M+305.2% | $7.7M-79.6% | $38.0M+87.4% | $20.3M+61.0% | $12.6M+100.5% | $6.3M+626.9% | $864K+109.6% | -$9.0M |
| Interest Expense | $28.1M | $26.9M+19.6% | $22.5M+0.7% | $22.4M+101.2% | $11.1M+24.5% | $8.9M-17.6% | $10.8M-13.1% | $12.5M+19.6% | $10.4M+22.3% | $8.5M-2.6% | $8.8M+26.5% | $6.9M+183.6% | $2.4M+33.6% | $1.8M+181.6% | $649K-1.0% | $655K |
| Income Tax | $455K | $446K+231.6% | -$339K-156.1% | $604K+121.3% | -$2.8M+8.1% | -$3.1M+96.3% | -$83.5M-1625.9% | $5.5M-9.2% | $6.0M+126.8% | -$22.5M-285.9% | $12.1M+129.5% | $5.3M+37.5% | $3.8M+102.5% | $1.9M+6686.2% | -$29K+99.2% | -$3.7M |
| Net Income | $6.5M | $2.6M+129.4% | -$8.8M-1258.2% | $758K+146.7% | -$1.6M-105.9% | $27.6M-64.8% | $78.5M-31.7% | $115.0M+209.3% | $37.2M-10.9% | $41.7M+156.7% | $16.3M+94.7% | $8.3M+30.8% | $6.4M+73.3% | $3.7M+514.7% | $599K+112.7% | -$4.7M |
| EPS (Diluted) | — | $0.08+122.9% | -$0.35-1266.7% | $0.03+133.3% | -$0.09-105.8% | $1.56 | $5.56 | $23.00+242.3% | $6.72-10.2% | $7.48+162.5% | $2.85+99.3% | $1.43+30.0% | $1.10+71.9% | $0.64+540.0% | $0.10+112.2% | -$0.82 |
Not reported in any period shown, so not listed: R&D Expenses.
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CTO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+7.0% | $1.2B+19.4% | $989.7M+0.3% | $986.5M+34.6% | $733.1M+10.0% | $666.7M-5.2% | $703.3M+26.4% | $556.3M+19.4% | $466.1M+14.1% | $408.6M+1.1% | $404.4M+46.2% | $276.6M+22.3% | $226.2M+22.5% | $184.7M+8.5% | $170.3M |
| Cash & Equivalents | $6.5M-28.3% | $9.0M-11.7% | $10.2M-47.2% | $19.3M+124.4% | $8.6M+100.9% | $4.3M-33.8% | $6.5M+180.3% | $2.3M-62.2% | $6.1M-16.7% | $7.3M+80.4% | $4.1M+115.9% | $1.9M0.0% | $1.9M+44.5% | $1.3M+20984.2% | $6K |
| Total Liabilities | $696.6M+22.5% | $568.8M+6.9% | $532.1M+10.5% | $481.8M+59.2% | $302.7M-4.2% | $315.8M-24.4% | $417.9M+21.3% | $344.6M+22.2% | $282.0M+8.3% | $260.3M-1.4% | $264.0M+78.1% | $148.2M+39.8% | $106.0M+50.4% | $70.5M+23.4% | $57.1M |
| Long-Term Debt | $616.3M+18.8% | $519.0M+4.8% | $495.4M+11.2% | $445.6M+60.1% | $278.3M+1.6% | $273.8M-4.7% | $287.2M+16.0% | $247.6M+26.5% | $195.8M+17.8% | $166.2M-0.3% | $166.8M+60.5% | $103.9M+64.4% | $63.2M+117.1% | $29.1M+90.8% | $15.3M |
| Total Equity | $567.3M-7.4% | $612.8M+33.9% | $457.5M-9.4% | $504.8M+17.3% | $430.5M+22.7% | $350.9M+22.9% | $285.4M+34.8% | $211.8M+15.0% | $184.2M+24.2% | $148.3M+5.6% | $140.4M+9.3% | $128.4M+6.9% | $120.2M+5.2% | $114.2M+0.9% | $113.2M |
| Retained Earnings | $184.9M-20.3% | $232.1M-17.7% | $281.9M-10.9% | $316.3M-7.9% | $343.5M+1.0% | $339.9M+4.2% | $326.1M+52.9% | $213.3M+20.1% | $177.6M+29.7% | $136.9M+13.7% | $120.4M+7.0% | $112.6M+5.6% | $106.6M+3.2% | $103.2M+0.4% | $102.9M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
CTO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $68.9M | $64.6M+7.9% | $59.9M+29.3% | $46.3M-17.4% | $56.1M+103.4% | $27.6M+62.9% | $16.9M+3.2% | $16.4M-65.7% | $47.8M-16.9% | $57.5M+302.7% | $14.3M-43.3% | $25.2M+122.4% | $11.3M+4.0% | $10.9M+210.8% | $3.5M+259.6% | -$2.2M |
| Capital Expenditures | N/A | N/A | N/A | N/A | $385.2M+50.0% | $256.9M+31.0% | $196.0M+4.5% | $187.5M+64.8% | $113.8M | N/A | $92.6M-16.8% | $111.3M+163.8% | $42.2M+11.4% | $37.9M+52.0% | $24.9M+679.3% | $3.2M |
| Free Cash Flow | N/A | N/A | N/A | N/A | -$329.1M-43.5% | -$229.3M-28.0% | -$179.1M-4.7% | -$171.1M-159.5% | -$65.9M | N/A | -$78.3M+9.1% | -$86.1M-178.9% | -$30.9M-14.4% | -$27.0M-26.0% | -$21.4M-297.1% | -$5.4M |
| Investing Cash Flow | -$59.5M | -$71.5M+69.3% | -$232.7M-343.6% | -$52.5M+80.4% | -$267.6M-159.9% | -$103.0M-13.0% | -$91.1M-188.4% | $103.1M+232.4% | -$77.9M+5.7% | -$82.6M-198.9% | -$27.6M+67.2% | -$84.2M-51.2% | -$55.7M-33.5% | -$41.7M-171.5% | -$15.4M-841.0% | $2.1M |
| Financing Cash Flow | -$5.9M | $30.7M-82.2% | $172.3M+6133.1% | $2.8M-98.6% | $201.4M+176.2% | $72.9M+371.2% | -$26.9M-363.2% | -$5.8M-115.0% | $38.7M+89.0% | $20.5M+59.2% | $12.8M-79.0% | $61.2M+48.2% | $41.3M+19.9% | $34.4M+161.9% | $13.2M+6393.3% | -$209K |
| Dividends Paid | $49.6M | $49.0M+21.8% | $40.3M+17.6% | $34.3M+18.6% | $28.9M+22.5% | $23.6M+63.0% | $14.5M+558.3% | $2.2M+48.1% | $1.5M+48.8% | $997K+46.2% | $682K+46.9% | $464K+14.9% | $404K+17.2% | $345K+50.7% | $229K-0.1% | $229K |
| Share Buybacks | N/A | $9.4M+1308.9% | $664K-89.7% | $6.4M+130.6% | $2.8M+26.3% | $2.2M-46.1% | $4.1M-90.0% | $41.1M+317.8% | $9.8M+36.4% | $7.2M-3.0% | $7.4M+14.6% | $6.5M+598.9% | $928K | N/A | $454K | N/A |
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CTO Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.6%+1.3pp | 73.3%+1.0pp | 72.3%+0.1pp | 72.2%+4.2pp | 68.1%-4.9pp | 73.0%-11.2pp | 84.2%+4.3pp | 79.9%+1.5pp | 78.4%+9.2pp | 69.3% | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 22.8%+8.6pp | 14.1%-10.2pp | 24.3%+11.3pp | 13.0%-20.3pp | 33.2%+11.4pp | 21.8%-54.3pp | 76.1%+4.2pp | 71.9%+51.8pp | 20.0%-37.6pp | 57.6%+10.5pp | 47.1%+12.2pp | 34.9%+10.8pp | 24.1%+18.8pp | 5.3%+74.5pp | -69.2% |
| Net Margin | 1.7%+8.8pp | -7.0%-7.7pp | 0.7%+2.7pp | -2.0%-41.3pp | 39.3% | 139.3% | 255.8% | 85.1% | 107.9% | 24.7%+5.3pp | 19.4%+1.7pp | 17.7%+3.6pp | 14.1%+10.4pp | 3.7%+40.0pp | -36.3% |
| Return on Equity | 0.4%+1.9pp | -1.4%-1.6pp | 0.2%+0.5pp | -0.3%-6.7pp | 6.4%-16.0pp | 22.4%-17.9pp | 40.3%+22.7pp | 17.5%-5.1pp | 22.7%+11.7pp | 11.0%+5.0pp | 5.9%+1.0pp | 5.0%+1.9pp | 3.1%+2.6pp | 0.5%+4.7pp | -4.2% |
| Return on Assets | 0.2%+0.9pp | -0.7%-0.8pp | 0.1%+0.2pp | -0.2%-3.9pp | 3.8%-8.0pp | 11.8%-4.6pp | 16.4%+9.7pp | 6.7%-2.3pp | 8.9%+5.0pp | 4.0%+1.9pp | 2.1%-0.2pp | 2.3%+0.7pp | 1.6%+1.3pp | 0.3%+3.1pp | -2.8% |
| Debt-to-Equity | 1.09+0.2x | 0.85-0.2x | 1.08+0.2x | 0.88+0.2x | 0.65-0.1x | 0.78-0.2x | 1.01-0.2x | 1.17+0.1x | 1.06-0.1x | 1.12-0.1x | 1.19+0.4x | 0.81+0.3x | 0.53+0.3x | 0.26+0.1x | 0.13 |
| FCF Margin | N/A | N/A | N/A | -399.7% | -326.3% | -317.7% | -380.8% | -151.0% | N/A | -118.8% | -200.3% | -85.6% | -103.5% | -131.9% | -41.6% |
Not reported in any period shown, so not listed: Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Cto Realty Growth Inc Ranks
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 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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) reported $2.6M of net income while generating $64.6M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. 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 1.26x, 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its REITs peer group. The score is a 0-100 composite of six dimensions (FFO Margin, FFO Growth, Leverage, Interest Cov., AFFO Margin, Dividend Cov.), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.