What is InPoint Commercial Real Estate's earnings per share (EPS)?

InPoint Commercial Real Estate (ICR-PA) reported diluted earnings per share of $-0.75 for fiscal year 2025. This represents a -213.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

InPoint Commercial Real Estate Financials

ICR-PA

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows InPoint Commercial Real Estate (ICR-PA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).

Rhea AI ICR-PA FY2025 2026-04-22

InPoint’s recent pattern is balance-sheet contraction: it is harvesting assets to reduce leverage, even as the income stream shrinks.

From FY2022 to FY2025, assets fell from $914.5M to $529.2M, showing the earning base was materially reduced. At the same time, debt-to-equity improved from 2.3x to 1.3x, and three straight years of positive investing cash flow alongside financing outflows point to a business that is becoming smaller but less debt-heavy by converting investments into cash and using much of it to repay funding.

For this asset-heavy income model, revenue margins can look louder than the underlying economics: FY2024 net margin reached 51.9%, yet return on assets was only 1.9%. That means a strong-looking profit line still translated into modest earnings on the capital tied up in the balance sheet.

The cash earnings are steadier than net income: operating cash flow stayed positive in each of FY2023-FY2025, including $11.4M in FY2025 despite a -$1.6M net loss. But cash distributions were not fully self-funded in FY2025, because dividends paid of $12.6M slightly exceeded operating cash flow and were effectively supported by investment cash inflows.

Financial Health Signals

Financial health score pending refresh

We are recalculating InPoint Commercial Real Estate's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

3/5

InPoint Commercial Real Estate passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 2 of 4 profitability signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

-7.24x

For every $1 of reported earnings, InPoint Commercial Real Estate generates $-7.24 in operating cash flow ($11.4M OCF vs -$1.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$23.0M

YoY-5.7%

5Y CAGR-1.0%

InPoint Commercial Real Estate generated $23.0M in revenue in fiscal year 2025. This represents a decrease of 5.7% from the prior year.

EBITDA

N/A

Net Income

-$1.6M

YoY-112.4%

InPoint Commercial Real Estate reported -$1.6M in net income in fiscal year 2025. This represents a decrease of 112.4% from the prior year.

EPS (Diluted)

$-0.75

YoY-213.6%

InPoint Commercial Real Estate earned $-0.75 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 213.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$76.6M

YoY+18.6%

5Y CAGR+1.2%

InPoint Commercial Real Estate held $76.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-6.8%

YoY-58.8pp

5Y CAGR+112.4pp

InPoint Commercial Real Estate's net profit margin was -6.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 58.8 percentage points from the prior year.

Return on Equity

-0.7%

YoY-5.9pp

5Y CAGR+11.3pp

InPoint Commercial Real Estate's ROE was -0.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

ICR-PA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$23.0M-5.7%	$24.4M-37.1%	$38.8M+1.9%	$38.0M+34.5%	$28.3M+17.2%	$24.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$24.0M-34.4%	$36.5M-13.5%	$42.2M+97.4%	$21.4M+142.8%	$8.8M-14.7%	$10.3M
Income Tax	$0	$0-100.0%	$22K	$0	$0	N/A
Net Income	-$1.6M-112.4%	$12.7M+385.5%	-$4.4M-143.6%	$10.2M+3.1%	$9.9M+134.3%	-$28.8M
EPS (Diluted)	$-0.75-213.6%	$0.66+164.1%	$-1.03-345.2%	$0.42-41.7%	$0.72+128.9%	$-2.49

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$5.2M-14.7%	$6.1M+15.9%	$5.2M-11.8%	$5.9M+2.4%	$5.8M-12.0%	$6.6M+0.4%	$6.5M+16.4%	$5.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.5M-11.2%	$5.1M-8.9%	$5.6M-12.5%	$6.4M-5.6%	$6.8M-16.9%	$8.2M-13.7%	$9.5M+1.4%	$9.4M
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0
Net Income	-$4.1M-334.3%	-$954K+87.5%	-$7.6M-348.6%	$3.1M-22.2%	$3.9M+7.7%	$3.7M+495.9%	$615K-87.7%	$5.0M
EPS (Diluted)	$-0.56	N/A	$-0.90-662.5%	$0.16-33.3%	$0.24	N/A	$-0.09-125.7%	$0.35

ICR-PA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$529.2M-20.0%	$661.3M-15.3%	$780.3M-14.7%	$914.5M+19.6%	$764.4M+37.7%	$555.0M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$76.6M+18.6%	$64.5M+19.2%	$54.1M+84.1%	$29.4M-48.6%	$57.3M-20.6%	$72.1M
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$303.0M-27.3%	$416.7M-21.3%	$529.8M-16.7%	$635.9M+39.1%	$457.3M+45.3%	$314.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$226.2M-7.5%	$244.6M-2.4%	$250.6M-10.1%	$278.6M-9.3%	$307.1M+27.8%	$240.3M
Retained Earnings	-$115.1M-21.2%	-$95.0M-6.6%	-$89.0M-46.1%	-$60.9M-16.6%	-$52.3M-10.6%	-$47.3M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$513.4M-3.0%	$529.2M-4.3%	$552.8M-10.3%	$616.4M-6.2%	$657.2M-0.6%	$661.3M-9.1%	$727.9M-0.9%	$734.2M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$80.0M+4.5%	$76.6M+8.0%	$70.9M+162.3%	$27.0M-54.3%	$59.1M-8.4%	$64.5M+9.7%	$58.8M+32.0%	$44.6M
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	$295.9M-2.3%	$303.0M-5.8%	$321.7M-13.8%	$373.0M-9.7%	$413.3M-0.8%	$416.7M-13.6%	$482.3M-0.5%	$484.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$217.5M-3.9%	$226.2M-2.1%	$231.1M-5.0%	$243.3M-0.2%	$243.9M-0.3%	$244.6M-0.4%	$245.6M-1.6%	$249.6M
Retained Earnings	-$123.9M-7.6%	-$115.1M-5.1%	-$109.5M-12.6%	-$97.2M-1.6%	-$95.7M-0.7%	-$95.0M-1.0%	-$94.0M-4.5%	-$89.9M

ICR-PA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.4M-36.6%	$18.0M+11.0%	$16.2M-12.5%	$18.5M+59.0%	$11.6M-3.0%	$12.0M
Capital Expenditures	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
Investing Cash Flow	$136.3M+6.9%	$127.6M+32.2%	$96.5M+153.5%	-$180.6M+18.8%	-$222.4M-235.7%	$163.9M
Financing Cash Flow	-$133.2M+1.5%	-$135.2M-53.6%	-$88.0M-165.6%	$134.2M-31.5%	$195.9M+238.5%	-$141.5M
Dividends Paid	$12.6M0.0%	$12.6M+0.7%	$12.5M+0.5%	$12.4M+0.5%	$12.4M+33.9%	$9.3M
Share Buybacks	N/A	$0	$0-100.0%	$22.4M+56.0%	$14.3M+1778.8%	$763K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$2.0M-19.7%	$2.5M-14.1%	$2.9M-11.8%	$3.2M+14.7%	$2.8M-38.2%	$4.6M-16.6%	$5.5M+46.2%	$3.8M
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	$13.8M-45.0%	$25.1M-75.0%	$100.6M+782.5%	$11.4M+1675.9%	-$723K-101.0%	$71.8M+307.2%	$17.6M+87.3%	$9.4M
Financing Cash Flow	-$12.3M+45.1%	-$22.3M+60.5%	-$56.6M-21.1%	-$46.7M-520.6%	-$7.5M+89.3%	-$70.6M-698.2%	-$8.8M+69.5%	-$29.0M
Dividends Paid	$3.2M0.0%	$3.2M0.0%	$3.2M+0.1%	$3.1M-0.1%	$3.2M0.0%	$3.2M0.0%	$3.2M0.0%	$3.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

ICR-PA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-6.8%-58.8pp	51.9%+63.4pp	-11.4%-38.2pp	26.8%-8.1pp	34.9%+154.1pp	-119.2%
Return on Equity	-0.7%-5.9pp	5.2%+7.0pp	-1.8%-5.4pp	3.6%+0.4pp	3.2%+15.2pp	-12.0%
Return on Assets	-0.3%-2.2pp	1.9%+2.5pp	-0.6%-1.7pp	1.1%-0.2pp	1.3%+6.5pp	-5.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.34-0.4	1.70-0.4	2.11-0.2	2.28+0.8	1.49+0.2	1.31
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-80.1%-64.4pp	-15.7%+130.4pp	-146.1%-198.0pp	51.8%-16.4pp	68.2%+12.5pp	55.7%+46.3pp	9.4%-79.3pp	88.7%
Return on Equity	-1.9%-1.5pp	-0.4%+2.9pp	-3.3%-4.6pp	1.3%-0.4pp	1.6%+0.1pp	1.5%+1.3pp	0.3%-1.8pp	2.0%
Return on Assets	-0.8%-0.6pp	-0.2%+1.2pp	-1.4%-1.9pp	0.5%-0.1pp	0.6%+0.1pp	0.5%+0.5pp	0.1%-0.6pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.36+0.0	1.34-0.1	1.39-0.1	1.53-0.2	1.690.0	1.70-0.3	1.96+0.0	1.94
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 InPoint Commercial Real Estate's annual revenue?

InPoint Commercial Real Estate (ICR-PA) reported $23.0M in total revenue for fiscal year 2025. This represents a -5.7% 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 InPoint Commercial Real Estate's revenue growing?

InPoint Commercial Real Estate (ICR-PA) revenue declined by 5.7% year-over-year, from $24.4M to $23.0M in fiscal year 2025.

Is InPoint Commercial Real Estate profitable?

No, InPoint Commercial Real Estate (ICR-PA) reported a net income of -$1.6M in fiscal year 2025, with a net profit margin of -6.8%.

What is InPoint Commercial Real Estate's net profit margin?

InPoint Commercial Real Estate (ICR-PA) had a net profit margin of -6.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is InPoint Commercial Real Estate's return on equity (ROE)?

InPoint Commercial Real Estate (ICR-PA) has a return on equity of -0.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is InPoint Commercial Real Estate's operating cash flow?

InPoint Commercial Real Estate (ICR-PA) generated $11.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are InPoint Commercial Real Estate's total assets?

InPoint Commercial Real Estate (ICR-PA) had $529.2M in total assets as of fiscal year 2025, including both current and long-term assets.

What is InPoint Commercial Real Estate's debt-to-equity ratio?

InPoint Commercial Real Estate (ICR-PA) had a debt-to-equity ratio of 1.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is InPoint Commercial Real Estate's return on assets (ROA)?

InPoint Commercial Real Estate (ICR-PA) had a return on assets of -0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is InPoint Commercial Real Estate's Piotroski F-Score?

InPoint Commercial Real Estate (ICR-PA) has a Piotroski F-Score of 3 out of 5 computable signals; 4 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 InPoint Commercial Real Estate's earnings high quality?

InPoint Commercial Real Estate (ICR-PA) has an earnings quality ratio of -7.24x, considered mixed 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.