Transcontinental Financials
Transcontinental (TCI) reported $49.1M in revenue for fiscal year 2025, up 4.2% 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).
At Transcontinental Realty Investors, an asset-heavy balance sheet and weak cash conversion matter more than modest, steady revenue.
In recent years, net income stayed positive while operating income stayed negative; in the latest year, earnings were$13.8M but operating cash flow was-$2.9M . That pattern means reported profit is being shaped more by below-operating and non-cash items than by cash generation from the core asset base.
The balance sheet looks equity-funded, with
The operating-loss improvement appears to come more from cost discipline than from scale, because SG&A fell from
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 Transcontinental'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.
Not available for Transcontinental, and counted as zero in the overall score.
Transcontinental passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Transcontinental used $0.21 of operating cash (-$2.9M OCF vs $13.8M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Transcontinental reported an operating loss of $6.3M against $6.7M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Transcontinental generated $49.1M in revenue in fiscal year 2025. This represents an increase of 4.2% from the prior year.
Transcontinental's EBITDA was $6.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 6.9% from the prior year.
Transcontinental reported $13.8M in net income in fiscal year 2025. This represents an increase of 135.5% from the prior year.
Transcontinental earned $1.60 per diluted share (EPS) in fiscal year 2025. This represents an increase of 135.3% from the prior year.
Cash & Balance Sheet
Transcontinental held $14.1M in cash against $210.8M in long-term debt as of fiscal year 2025.
Transcontinental paid $0.00 per share in dividends in fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Transcontinental's operating margin was -12.9% in fiscal year 2025, reflecting core business profitability. This is down 0.7 percentage points from the prior year.
Transcontinental's net profit margin was 28.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 15.7 percentage points from the prior year.
Transcontinental's ROE was 1.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
TCI 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 | $50.1M | $49.1M+4.2% | $47.1M-5.7% | $49.9M+36.1% | $36.7M-10.1% | $40.8M-28.5% | $57.0M+18.7% | $48.1M-67.8% | $149.1M+19.1% | $125.2M+5.7% | $118.5M | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | $5.8M+7.0% | $5.4M-40.8% | $9.2M-7.5% | $9.9M-20.0% | $12.4M+33.8% | $9.3M+6.7% | $8.7M-23.4% | $11.4M+81.2% | $6.3M+14.5% | $5.5M-0.6% | $5.5M-23.1% | $7.2M+13.6% | $6.3M+24.3% | $5.1M+56460.0% | $9K |
| Operating Income | -$9.2M | -$6.3M-9.9% | -$5.8M+42.2% | -$10.0M-7.6% | -$9.3M+42.6% | -$16.2M-57625.0% | -$28K+99.6% | -$7.7M-117.3% | $44.3M+120.2% | $20.1M+13.9% | $17.6M+89.7% | $9.3M+1106.4% | $771K+114.4% | -$5.4M | N/A | -$32K |
| Interest Expense | N/A | $6.7M-12.7% | $7.6M-17.7% | $9.3M-46.3% | $17.3M-24.6% | $23.0M-21.8% | $29.4M-7.7% | $31.8M-46.0% | $58.9M-1.8% | $59.9M+12.9% | $53.1M+14.1% | $46.5M+38.2% | $33.7M+4.4% | $32.3M | N/A | -$36K |
| Income Tax | N/A | $7.1M+266.0% | $1.9M-0.5% | $1.9M-98.1% | $103.2M+10306.7% | -$1.0M-25375.0% | $4K+100.2% | -$2.0M-162.3% | $3.2M+1683.3% | $180K+650.0% | $24K-95.4% | $517K+102.5% | -$20.4M+50.2% | -$40.9M-3149.9% | -$1.3M-352841.2% | -$357 |
| Net Income | $8.1M | $13.8M+135.5% | $5.9M-1.3% | $5.9M-98.7% | $468.3M+4882.6% | $9.4M+40.9% | $6.7M+124.8% | -$26.9M-114.8% | $181.4M+1247.3% | -$15.8M-42843.2% | $37K+100.5% | -$7.6M-118.4% | $41.6M-29.0% | $58.5M | N/A | -$47K |
| EPS (Diluted) | $0.94 | $1.60+135.3% | $0.68-1.4% | $0.69-98.7% | $54.20+4872.5% | $1.09+41.6% | $0.77+124.9% | -$3.09-114.9% | $20.71+1178.6% | -$1.92-1820.0% | -$0.10+89.8% | -$0.98-120.7% | $4.74-30.6% | $6.83+709.8% | -$1.12+80.2% | -$5.67 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
TTM is the trailing twelve months, Q3 FY2025 through Q2 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.
TCI 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 | $1.1B+5.8% | $1.1B+2.6% | $1.0B-14.4% | $1.2B+54.5% | $788.4M-10.3% | $879.1M+1.5% | $865.9M+0.4% | $862.4M-34.3% | $1.3B+10.8% | $1.2B+6.8% | $1.1B+19.3% | $930.4M+3.6% | $897.7M+85773.3% | $1.0M-9.9% | $1.2M |
| Cash & Equivalents | $14.1M-29.3% | $19.9M-45.7% | $36.7M-67.6% | $113.4M+123.6% | $50.7M+38.0% | $36.8M-28.2% | $51.2M+40.8% | $36.4M-14.9% | $42.7M+143.9% | $17.5M+15.4% | $15.2M+24.3% | $12.2M-24.2% | $16.1M | N/A | N/A |
| Total Liabilities | $266.4M+22.3% | $217.7M+11.0% | $196.1M-48.1% | $377.6M-9.4% | $416.8M-19.5% | $517.6M+1.1% | $511.9M+6.2% | $482.0M-56.4% | $1.1B+14.9% | $961.4M+8.6% | $885.1M+27.0% | $697.0M-1.3% | $706.1M+77305.1% | $912K-10.5% | $1.0M |
| Long-Term Debt | $210.8M+15.9% | $181.9M+1.5% | $179.1M-2.9% | $184.5M+4.4% | $176.8M-25.1% | $236.1M-2.3% | $241.5M-12.9% | $277.2M-69.0% | $894.5M+6.3% | $841.5M+5.3% | $799.4M | N/A | N/A | N/A | N/A |
| Total Equity | $846.7M+1.7% | $832.3M+0.8% | $826.0M+0.8% | $819.5M+133.3% | $351.2M+2.7% | $341.8M+2.8% | $332.6M-7.5% | $359.7M+90.2% | $189.2M-8.1% | $205.9M-0.4% | $206.7M-4.0% | $215.3M+12.4% | $191.6M+164623.4% | $116K-7.5% | $126K |
| Retained Earnings | $584.6M+2.4% | $570.8M+1.0% | $564.9M+1.1% | $559.0M+516.1% | $90.7M+11.6% | $81.3M+8.9% | $74.7M-26.5% | $101.6M+227.2% | -$79.9M-24.7% | -$64.0M+0.1% | -$64.1M-13.5% | -$56.5M+42.4% | -$98.0M-62514.7% | -$157K-5.6% | -$148K |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
TCI 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 | $2.1M | -$2.9M-320.3% | $1.3M+104.2% | -$31.1M+31.5% | -$45.4M-313.2% | -$11.0M-295.1% | $5.6M+115.8% | -$35.7M+80.3% | -$181.2M-622.6% | -$25.1M-1237.1% | $2.2M+104.3% | -$50.9M-73.3% | -$29.4M+55.9% | -$66.7M | N/A | -$14K |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $10.6M-71.5% | $37.0M-53.5% | $79.7M-61.5% | $207.3M | 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 | -$191.7M-208.7% | -$62.1M+19.9% | -$77.5M+70.0% | -$258.2M | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$15.6M | -$35.8M+13.7% | -$41.5M-254.9% | $26.8M-91.3% | $307.4M+206.4% | $100.3M+26232.0% | $381K+104.0% | -$9.6M-106.5% | $147.6M+250.2% | -$98.3M-47.0% | -$66.9M+52.2% | -$139.8M-583.7% | $28.9M-89.3% | $269.0M | N/A | $44K |
| Financing Cash Flow | $1.2M | $27.5M+1560.4% | $1.7M+101.2% | -$139.0M-23.7% | -$112.4M-8.5% | -$103.6M-4392.0% | -$2.3M-110.5% | $22.0M-57.4% | $51.8M-66.8% | $156.0M+155.0% | $61.2M-68.4% | $193.7M+5785.7% | -$3.4M+98.3% | -$199.3M | N/A | -$21K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $900K | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 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.
TCI 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | -12.9%-0.7pp | -12.3%+7.7pp | -20.0%+5.3pp | -25.3%+14.3pp | -39.6%-39.6pp | -0.1%+15.9pp | -15.9%-45.6pp | 29.7%+13.6pp | 16.1%+1.2pp | 14.9% | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 28.1%+15.7pp | 12.4%+0.6pp | 11.9% | 1277.3% | 23.1%+11.3pp | 11.7%+67.7pp | -56.0% | 121.7% | -12.6%-12.7pp | 0.0% | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 1.6%+0.9pp | 0.7%0.0pp | 0.7%-56.4pp | 57.1%+54.5pp | 2.7%+0.7pp | 1.9%+10.0pp | -8.1%-58.5pp | 50.4%+58.8pp | -8.4%-8.4pp | 0.0%+3.7pp | -3.7%-23.0pp | 19.3%-11.2pp | 30.6% | N/A | -37.1% |
| Return on Assets | 1.2%+0.7pp | 0.5%0.0pp | 0.6%-37.9pp | 38.4%+37.3pp | 1.2%+0.4pp | 0.8%+3.9pp | -3.1%-24.1pp | 21.0%+22.2pp | -1.2%-1.2pp | 0.0%+0.7pp | -0.7%-5.2pp | 4.5%-2.0pp | 6.5% | N/A | -4.0% |
| Debt-to-Equity | 0.250.0x | 0.220.0x | 0.220.0x | 0.23-0.3x | 0.50-0.2x | 0.690.0x | 0.730.0x | 0.77-4.0x | 4.73+0.6x | 4.09+0.2x | 3.87+0.6x | 3.24-0.4x | 3.69-4.2x | 7.84-0.3x | 8.10 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -128.6% | -49.6%+15.8pp | -65.4% | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, 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 Transcontinental Ranks
Frequently Asked Questions
What is Transcontinental's annual revenue?
Transcontinental (TCI) reported $49.1M in total revenue for fiscal year 2025. This represents a 4.2% 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 Transcontinental's revenue growing?
Transcontinental (TCI) revenue grew by 4.2% year-over-year, from $47.1M to $49.1M in fiscal year 2025.
Is Transcontinental profitable?
Yes, Transcontinental (TCI) reported a net income of $13.8M in fiscal year 2025, with a net profit margin of 28.1%.
What is Transcontinental's EBITDA?
Transcontinental (TCI) had EBITDA of $6.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Transcontinental have?
As of fiscal year 2025, Transcontinental (TCI) had $14.1M in cash and equivalents against $210.8M in long-term debt.
What is Transcontinental's operating margin?
Transcontinental (TCI) had an operating margin of -12.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Transcontinental's net profit margin?
Transcontinental (TCI) had a net profit margin of 28.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Transcontinental's return on equity (ROE)?
Transcontinental (TCI) has a return on equity of 1.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Transcontinental's operating cash flow?
Transcontinental (TCI) recorded an outflow of $2.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Transcontinental's total assets?
Transcontinental (TCI) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Transcontinental's debt-to-equity ratio?
Transcontinental (TCI) had a debt-to-equity ratio of 0.25 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Transcontinental's return on assets (ROA)?
Transcontinental (TCI) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Transcontinental's Piotroski F-Score?
Transcontinental (TCI) has a Piotroski F-Score of 3 out of 7 computable signals; 2 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 Transcontinental's earnings high quality?
For every $1 of reported earnings, Transcontinental (TCI) used $0.21 of operating cash (-$2.9M OCF vs $13.8M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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 Transcontinental cover its interest payments?
Transcontinental (TCI) reported an operating loss of $6.3M against $6.7M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 Transcontinental?
Transcontinental (TCI) scores 19 out of 100 on our Financial Health Score, indicating weak 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.