Terra Property Trust, Inc.
TPTS NYSE· Real Estate Investment Trusts
Last close · Oct 26, 2026
$13.10
KIRA · Stoqly’s AI analyst, in plain words
- Terra Property Trust, Inc. had $35.4M of revenue in fiscal 2025, down 28.7% on the year before. Over five years, revenue changed −6.8% a year on average.
- Its operating margin was −3.7%, down 11.6 pts: of every 100 in sales, about −4 is left after running the business.
- Terra Property Trust, Inc. lost $27.8M in fiscal 2025.
- Terra Property Trust, Inc. returned $11.6M to shareholders in fiscal 2025. The diluted share count rose 0.0%.
- Terra Property Trust, Inc. owes $146M more than it holds in cash, about 57.7 years of operating profit.
Market cap
$319M
P/E
—
Revenue
$35.4M
Net income
−$27.8M
Free cash flow
—
Operating margin
−3.7%
Terra Property Trust, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−28.7%
No. Sales fell 28.7% last year.
Does it make a profit?
−78.5%
No. It lost money last year.
Is debt under control?
57.7x
Heavy. Repaying its debt would take 57.7 years of operating profit.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Terra Property Trust, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 19, 2026
- Legal name
- Terra Property Trust, Inc.
- CIK
- 0001674356
Terra Property Trust, Inc. · TPTS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $46.7M | $56.6M | $67.9M | $49.7M | $35.4M |
| Revenue growth | −7.2% | 21.3% | 20.0% | −26.8% | −28.7% |
| Operating margin | 16.6% | 19.1% | −36.1% | 7.9% | −3.7% |
| Net income | −$12.4M | −$7.0M | −$56.9M | −$37.2M | −$27.8M |
| Net margin | −26.5% | −12.3% | −83.8% | −74.8% | −78.5% |
| Diluted EPS | −$0.63 | −$0.34 | −$2.34 | −$1.53 | −$1.14 |
| Cash | |||||
| Cash from operations | $4.1M | $0.4M | $8.6M | −$3.3M | $1.9M |
| Dividends paid | $17.1M | $16.1M | $18.6M | $18.6M | $11.6M |
| Share buybacks | $0.0M | — | — | — | — |
| Share count change | 3.6% | 6.3% | 17.5% | 0.0% | 0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $35.8M | $28.6M | $10.7M | $8.6M | $33.2M |
| Debt incl. finance leases | $294M | $439M | $409M | $326M | $179M |
| Loans, net | $470M | $626M | $456M | $275M | $153M |
| Shareholders' equity | $274M | $322M | $242M | $186M | $146M |
| Net debt / EBITDA | 22.0x | 23.6x | — | 28.1x | 57.7x |
| Interest coverage | 4.9x | 0.7x | −0.9x | 0.2x | −0.1x |
| Returns and quality | |||||
| Return on capital | 1.2% | 1.2% | −3.0% | 0.6% | −0.4% |
| Return on equity | −4.3% | −2.3% | −20.2% | −17.4% | −16.8% |
| Return on tangible equity | −4.6% | −2.2% | −24.5% | −20.6% | −19.2% |
| Piotroski F-score | 2 | 4 | 3 | 3 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Terra Property Trust, Inc. · TPTS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $13.10 a share, the company is worth $319M.
Source: SEC EDGAR XBRL filings (CIK 0001674356). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.