Company Analysis

Claros Mortgage Trust, Inc. (CMTG)

NYSE: CMTG · Real Estate · New York, NY · filing with the SEC since 2016
Grade3.6
◀ Past 6.3● Present 3.6▶ Future 1.3

The grade of Claros Mortgage Trust, Inc.

Nine metrics read from its own filings, by tense
Headline grade
3.6/10
◀ Past6.325% of the headline
● Present3.645% of the headline
▶ Future1.330% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.3/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 75th percentile among 32 sector filers · read for itself

From the record

Claros Mortgage Trust, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
2.9/10

What has it actually done, year after year?

-4.6% a year over 7 filed years; profitable in 5 of 7.

weight 33% of this tense · 29th percentile among 29 sector filers · read for its customers

From the record

Claros Mortgage Trust, Inc.'s 7 filed years say what it did: revenue went from $250 million in fiscal 2019 to $188 million in fiscal 2025, down 4.6% a year; it rose in 3 of 6 years; the deepest fall was 39% from fiscal 2023 to fiscal 2025; net income was positive in 5 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-4.6%bottom 22% of its family
  • the share of years revenue rosebottom 16% of its family
  • the share of filed years with a profitbottom 40% of its family
  • the deepest fall from a revenue peak38.7%bottom 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.8/10

How has it treated the people who own it?

Share count grew 0.2% a year. 100% of cash flow returned. Insiders: 0 sales, 6 purchases.

weight 22% of this tense · 88th percentile among 22 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Claros Mortgage Trust, Inc.'s diluted share count grew about 0.2% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 6 purchases of their own stock on the open market in the year to 2026-10-05, buying about $618 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 12% of its family
  • cash returned against operating cash flowtop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.6/1045% of the headline grade · 3 of 3 filed

Financial health

as filed
3.6/10

Is it financially healthy right now?

ROE -32%: lost 32¢ per shareholder dollar. Leverage 68%: owes 68¢ per asset dollar.

weight 45% of this tense · 36th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Claros Mortgage Trust, Inc. lost about 32 cents for every dollar of shareholders' money. Leverage: it owed about 68 cents per dollar of assets, and net share issuance: its share count grew 0.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 31% of its family
  • return on equitybottom 15% of its family
  • the share count against the year beforetop 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
2.6/10

How strong is its position in its industry?

bottom 26% of 30 in its family; net margin -260.4%.

weight 33% of this tense · 26th percentile among 30 sector filers · read for its customers

From the record

Claros Mortgage Trust, Inc.'s standing among 30 graded names in its industry family: revenue of $188 million in fiscal 2025 ranks in the top 48% by size; a net margin of -260.4% ranks in the bottom 12%; revenue growth of -13.2% a year over the last 3 filed years ranks in the bottom 16% (its annual reports).

What it rests on

  • revenue against the family$188Mtop 48% of its family
  • net margin-260.4%bottom 12% of its family
  • three-year revenue growth-13.2%bottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.1/10

What are the people in charge doing?

top 49% of 20 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 51st percentile among 20 sector filers · read for its shareholders

From the record

Claros Mortgage Trust, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Mack, Richard (CEO AND CHAIRMAN, as filed), filing under that title since 2021-11-02, 5 years (top 45% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 5 years (bottom 36%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (top 40%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 12 peopletop 40% of its family
  • the median years the people in charge have filed5.0 yearsbottom 36% of its family
  • the chief executive's years on the record5.0 yearstop 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

1.3/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
1.7/10

How much room does it have to grow?

bottom 17% of 29 in its family for room to expand.

weight 22% of this tense · 17th percentile among 29 sector filers · read for itself

From the record

Claros Mortgage Trust, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $173 million against debt of $3.2 billion leaves -63.2% of its assets as net cash, bottom 5% of its family; cash from operations less capital spending is -16.2% of revenue (bottom 29%) (its annual report).

What it rests on

  • cash less debt against assets-63.2%bottom 5% of its family
  • cash from operations less capital spending against revenue-16.2%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
1.9/10

What could actually drive growth from here?

bottom 19% of 29 in its family for growth drivers.

weight 33% of this tense · 19th percentile among 29 sector filers · read for its customers

From the record

Claros Mortgage Trust, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -13.2% a year over the last three filed years against -4.6% over all 7, slowing (bottom 26% of its family); the newest year grew -24.4% (bottom 12%) (its annual reports). Claros Mortgage Trust, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-8.6 points a yearbottom 26% of its family
  • the newest year's revenue growth-24.4%bottom 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
0.8/10

Did its newest year beat what its own record pointed to?

bottom 7% of 29 in its family for expectations against reality.

weight 45% of this tense · 7th percentile among 29 sector filers · read for its shareholders

From the record

Claros Mortgage Trust, Inc.'s newest year against its own record: revenue of $188 million in fiscal 2025 came in 18.7% below the $231 million its prior three years' pace pointed to (bottom 16% of its family); net income of $489 million against a prior three-year average of $34 million (bottom 2%); a net margin of a loss larger than its revenue against -16% before (bottom 5%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-18.7%bottom 16% of its family
  • net income against the prior three years' averagefive times below its prior average or morebottom 2% of its family
  • net margin against its prior averagedown more than 100 pointsbottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CMTG · research, not advice