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Claros Mortgage Trust (CMTG) investor relations material
Claros Mortgage Trust Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Reported GAAP net loss of $181.7 million ($1.30 per share) for Q2 2025, with distributable loss of $110.1 million ($0.77 per share) and distributable earnings prior to realized losses of $14.8 million ($0.10 per share).
Book value per share declined to $12.27 as of June 30, 2025, from $14.12 at year-end 2024; adjusted book value per share was $13.27.
Resolved $1.9 billion of loans year-to-date, including $1.0 billion in Q2, reducing watch list loans to $2.1 billion UPB and 17 loans.
Significant deleveraging and liquidity improvement, with liquidity at $323 million as of August 5, 2025, up $221 million since year-end.
Monetized assets through loan payoffs, sales, and foreclosures, including commercial condominiumization and partial sale of a Times Square mixed-use asset for $29 million.
Financial highlights
Provision for CECL reserves was $189.5 million ($1.33/share) in Q2, with total CECL reserves at $332.7 million (6.4% of UPB).
Loan portfolio decreased to $5.0 billion at June 30, 2025, with 98% floating-rate and 98% senior loans.
Net debt/equity ratio reduced to 2.2x in Q2, and total leverage ratio to 2.6x.
Achieved 88% blended recovery rate on resolved loans year-to-date.
Net interest income for Q2 2025 was $26.1 million, down from $41.9 million in Q2 2024.
Outlook and guidance
Management expects continued momentum in resolving watch list loans and executing REO strategy, with three remaining watchlist loans ($237.3 million UPB) expected to be resolved through foreclosure.
Anticipate exceeding the $2 billion UPB resolution target for 2025.
Future dividend payments remain uncertain and will depend on liquidity, operating results, and REIT requirements.
Focus remains on asset management, deleveraging, and selective capital deployment.
Management notes a more constructive capital markets environment and expects continued positive progress into the second half of 2025.
How did loan resolutions impact liquidity?
Explain the CECL reserve composition.
How will watchlist loans be resolved?
REO asset monetization timelines?
H2 loan resolution pace and nature?
TLB refinancing strategy and size reduction?
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Next Claros Mortgage Trust earnings date
Q3 20257 Nov, 2025
Next Claros Mortgage Trust earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
Claros Mortgage Trust Inc. is a real estate investment trust (REIT) that focuses on originating and managing commercial real estate loans. The company primarily provides senior and mezzanine loans for properties across sectors such as office, multifamily, industrial, and hospitality. The company is headquartered in New York, New York, and its shares are listed on the NYSE.
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