(ACRE) Ares Commercial Real Estate - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US04013V1089
Stock: Senior Mortgage, Subordinate Debt, Preferred Equity, Mezzanine Loans
Total Rating 36
Risk 35
Buy Signal -0.09
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 12.85% |
| Yield on Cost 5y | 8.37% |
| Yield CAGR 5y | -12.21% |
| Payout Consistency | 92.4% |
| Payout Ratio | - |
| Risk 5d forecast | |
|---|---|
| Volatility | 38.9% |
| Relative Tail Risk | -6.47% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.08 |
| Alpha | -13.58 |
| Character TTM | |
|---|---|
| Beta | 0.880 |
| Beta Downside | 0.956 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.28% |
| CAGR/Max DD | -0.21 |
Description: ACRE Ares Commercial Real Estate December 31, 2025
Ares Commercial Real Estate Corporation (NYSE: ACRE) is a specialty-finance REIT that originates and invests in a diversified suite of U.S. commercial real-estate loans, including senior mortgages, subordinate debt, mezzanine loans, preferred equity, and CMBS positions. The firm operates as a taxable REIT under the 1986 Internal Revenue Code and has been publicly listed since its 2011 incorporation in New York.
Key operating metrics (as of the latest filing) show a loan portfolio of roughly $7 billion with an average loan-to-value (LTV) of 65 % and a weighted-average coupon of 5.3 %, yielding a dividend yield near 8 %. ACRE’s performance is tightly linked to macro-driven CRE fundamentals: rising Fed rates compress net interest margins, while office-sector vacancy rates (≈22 % nationally) pressure loan-level risk, whereas the industrial and multifamily segments remain relatively resilient.
For a deeper, data-driven view of ACRE’s risk-adjusted return profile, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: -7.70m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: -1043 % < 20% (prev 5147 %; Δ -6190 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 23.8m > Net Income -7.70m |
| Net Debt (-84.9m) to EBITDA (27.9m): -3.04 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (55.8m) vs 12m ago 2.41% < -2% |
| Gross Margin: 73.28% > 18% (prev -12.96%; Δ 8624 % > 0.5%) |
| Asset Turnover: 1.59% > 50% (prev 0.09%; Δ 1.49% > 0%) |
| Interest Coverage Ratio: 0.34 > 6 (EBITDA TTM 27.9m / Interest Expense TTM 71.4m) |
Altman Z'' -2.26
| A: -0.20 (Total Current Assets 103.1m - Total Current Liabilities 378.8m) / Total Assets 1.39b |
| B: -0.22 (Retained Earnings -299.5m / Total Assets 1.39b) |
| C: 0.01 (EBIT TTM 24.5m / Avg Total Assets 1.67b) |
| D: -0.34 (Book Value of Equity -299.0m / Total Liabilities 870.9m) |
| Altman-Z'' Score: -2.26 = D |
Beneish M 1.00
| DSRI: 0.07 (Receivables 18.3m/17.1m, Revenue 26.4m/1.81m) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.94 (AQ_t 0.84 / AQ_t-1 0.90) |
| SGI: 14.56 (Revenue 26.4m / 1.81m) |
| TATA: -0.02 (NI -7.70m - CFO 23.8m) / TA 1.39b) |
| Beneish M-Score: 5.87 (Cap -4..+1) = D |
What is the price of ACRE shares?
As of February 07, 2026, the stock is trading at USD 5.20 with a total of 535,578 shares traded.
Over the past week, the price has changed by -0.19%, over one month by +10.87%, over three months by +19.44% and over the past year by -1.34%.
Over the past week, the price has changed by -0.19%, over one month by +10.87%, over three months by +19.44% and over the past year by -1.34%.
Is ACRE a buy, sell or hold?
Ares Commercial Real Estate has received a consensus analysts rating of 2.57.
Therefor, it is recommend to hold ACRE.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the ACRE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 4.8 | -8.7% |
| Analysts Target Price | 4.8 | -8.7% |
| ValueRay Target Price | 5.2 | 0.8% |
ACRE Fundamental Data Overview February 03, 2026
P/E Forward = 7.3368
P/S = 3.2661
P/B = 0.5482
P/EG = 2.57
Revenue TTM = 26.4m USD
EBIT TTM = 24.5m USD
EBITDA TTM = 27.9m USD
Long Term Debt = 216.8m USD (from longTermDebt, last quarter)
Short Term Debt = 593.0m USD (from shortLongTermDebt, last quarter)
Debt = 1.17b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -84.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.37b USD (286.7m + Debt 1.17b - CCE 84.9m)
Interest Coverage Ratio = 0.34 (Ebit TTM 24.5m / Interest Expense TTM 71.4m)
EV/FCF = 57.74x (Enterprise Value 1.37b / FCF TTM 23.8m)
FCF Yield = 1.73% (FCF TTM 23.8m / Enterprise Value 1.37b)
FCF Margin = 90.08% (FCF TTM 23.8m / Revenue TTM 26.4m)
Net Margin = -29.15% (Net Income TTM -7.70m / Revenue TTM 26.4m)
Gross Margin = 73.28% ((Revenue TTM 26.4m - Cost of Revenue TTM 7.06m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev none%)
Tobins Q-Ratio = 0.99 (Enterprise Value 1.37b / Total Assets 1.39b)
Interest Expense / Debt = 1.26% (Interest Expense 14.8m / Debt 1.17b)
Taxrate = 0.05% (18.0k / 35.0m)
NOPAT = 24.5m (EBIT 24.5m * (1 - 0.05%))
Current Ratio = 0.27 (Total Current Assets 103.1m / Total Current Liabilities 378.8m)
Debt / Equity = 2.25 (Debt 1.17b / totalStockholderEquity, last quarter 521.0m)
Debt / EBITDA = -3.04 (Net Debt -84.9m / EBITDA 27.9m)
Debt / FCF = -3.57 (Net Debt -84.9m / FCF TTM 23.8m)
Total Stockholder Equity = 531.7m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.46% (Net Income -7.70m / Total Assets 1.39b)
RoE = -1.45% (Net Income TTM -7.70m / Total Stockholder Equity 531.7m)
RoCE = 3.27% (EBIT 24.5m / Capital Employed (Equity 531.7m + L.T.Debt 216.8m))
RoIC = 1.65% (NOPAT 24.5m / Invested Capital 1.49b)
WACC = 2.81% (E(286.7m)/V(1.46b) * Re(9.16%) + D(1.17b)/V(1.46b) * Rd(1.26%) * (1-Tc(0.00)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.53%
[DCF Debug] Terminal Value 84.76% ; FCFF base≈29.7m ; Y1≈25.7m ; Y5≈20.4m
Fair Price DCF = 12.81 (EV 619.8m - Net Debt -84.9m = Equity 704.6m / Shares 55.0m; r=5.90% [WACC]; 5y FCF grow -16.38% → 2.90% )
EPS Correlation: -33.14 | EPS CAGR: -9.56% | SUE: 0.11 | # QB: 0
Revenue Correlation: -50.48 | Revenue CAGR: -15.10% | SUE: 0.11 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.02 | Chg30d=+0.022 | Revisions Net=-1 | Analysts=6
EPS next Year (2026-12-31): EPS=0.15 | Chg30d=-0.000 | Revisions Net=+0 | Growth EPS=+148.5% | Growth Revenue=-2.2%
P/S = 3.2661
P/B = 0.5482
P/EG = 2.57
Revenue TTM = 26.4m USD
EBIT TTM = 24.5m USD
EBITDA TTM = 27.9m USD
Long Term Debt = 216.8m USD (from longTermDebt, last quarter)
Short Term Debt = 593.0m USD (from shortLongTermDebt, last quarter)
Debt = 1.17b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -84.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.37b USD (286.7m + Debt 1.17b - CCE 84.9m)
Interest Coverage Ratio = 0.34 (Ebit TTM 24.5m / Interest Expense TTM 71.4m)
EV/FCF = 57.74x (Enterprise Value 1.37b / FCF TTM 23.8m)
FCF Yield = 1.73% (FCF TTM 23.8m / Enterprise Value 1.37b)
FCF Margin = 90.08% (FCF TTM 23.8m / Revenue TTM 26.4m)
Net Margin = -29.15% (Net Income TTM -7.70m / Revenue TTM 26.4m)
Gross Margin = 73.28% ((Revenue TTM 26.4m - Cost of Revenue TTM 7.06m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev none%)
Tobins Q-Ratio = 0.99 (Enterprise Value 1.37b / Total Assets 1.39b)
Interest Expense / Debt = 1.26% (Interest Expense 14.8m / Debt 1.17b)
Taxrate = 0.05% (18.0k / 35.0m)
NOPAT = 24.5m (EBIT 24.5m * (1 - 0.05%))
Current Ratio = 0.27 (Total Current Assets 103.1m / Total Current Liabilities 378.8m)
Debt / Equity = 2.25 (Debt 1.17b / totalStockholderEquity, last quarter 521.0m)
Debt / EBITDA = -3.04 (Net Debt -84.9m / EBITDA 27.9m)
Debt / FCF = -3.57 (Net Debt -84.9m / FCF TTM 23.8m)
Total Stockholder Equity = 531.7m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.46% (Net Income -7.70m / Total Assets 1.39b)
RoE = -1.45% (Net Income TTM -7.70m / Total Stockholder Equity 531.7m)
RoCE = 3.27% (EBIT 24.5m / Capital Employed (Equity 531.7m + L.T.Debt 216.8m))
RoIC = 1.65% (NOPAT 24.5m / Invested Capital 1.49b)
WACC = 2.81% (E(286.7m)/V(1.46b) * Re(9.16%) + D(1.17b)/V(1.46b) * Rd(1.26%) * (1-Tc(0.00)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.53%
[DCF Debug] Terminal Value 84.76% ; FCFF base≈29.7m ; Y1≈25.7m ; Y5≈20.4m
Fair Price DCF = 12.81 (EV 619.8m - Net Debt -84.9m = Equity 704.6m / Shares 55.0m; r=5.90% [WACC]; 5y FCF grow -16.38% → 2.90% )
EPS Correlation: -33.14 | EPS CAGR: -9.56% | SUE: 0.11 | # QB: 0
Revenue Correlation: -50.48 | Revenue CAGR: -15.10% | SUE: 0.11 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.02 | Chg30d=+0.022 | Revisions Net=-1 | Analysts=6
EPS next Year (2026-12-31): EPS=0.15 | Chg30d=-0.000 | Revisions Net=+0 | Growth EPS=+148.5% | Growth Revenue=-2.2%