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Timbercreek Financial Corp (TF) investor relations material
Timbercreek Financial Corp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net investment income held steady at $25.4 million, unchanged from Q2 and Q3 last year, with distributable income at $14.1 million, down from $15 million year-over-year.
Net income before ECL was $14.3 million, but after ECL, net income dropped to $8.5 million, reflecting higher credit loss provisions.
The net mortgage investment portfolio grew 3.6% year-over-year to $1,054.5 million, despite a sequential decline from Q2 due to a large repayment.
The company renewed and upsized its revolving credit facility to $600 million for two years at improved terms, adding two new banks and improving spread by 0.25 basis points.
Management remains optimistic about market conditions, citing recalibrated real estate valuations and lower interest rates as drivers for a new real estate cycle.
Financial highlights
Net investment income was $25.4 million in Q3, consistent with Q2 and Q3 last year.
Distributable income was $14.1 million ($0.17 per share), down from $15 million ($0.18 per share) in Q3 last year.
Net income was $8.5 million, with net income before ECL at $14.3 million.
Weighted average interest rate on the portfolio was 8.3% in Q3, down from 8.6% in Q2 and 9.3% in Q3 last year.
Dividends per share were $0.17, with a payout ratio of 101.4% on distributable income.
Outlook and guidance
Q4 transaction pipeline exceeds $200 million in funded and committed deals, supporting anticipated full-year portfolio growth and higher revenue.
Management expects robust Q4 investment activity and portfolio growth into 2025, with a stable monthly dividend yielding over 9.5%.
Existing debt capacity supports growth to $1.2–$1.3 billion; further growth would require additional equity and debt.
Full-year distributable income payout ratio expected to remain within targeted range.
Anticipates strong year-end as portfolio growth resumes, supported by recalibrated real estate valuations and lower interest rates.
Timeline for Stage 2/3 loan resolution?
How to fund growth beyond current capacity?
When will lower rates boost net profitability?
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Next Timbercreek Financial Corp earnings date
Q4 202527 Feb, 2026
Next Timbercreek Financial Corp earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Timbercreek Financial Corp. is a non-bank lender that specializes in providing shorter-duration structured financing solutions for commercial real estate investors. The company focuses on lending against income-generating properties such as multi-residential, office, and retail buildings, particularly in urban markets across Canada. These loans typically bridge the gap for investors needing flexible, fast-executing financing, often for purposes such as capital improvements or property acquisitions. The company is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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