Claros Mortgage Trust Inc (CMTG) Stock Analysis
Verdict: AVOID
CMTG's Q3 deleveraging progress triggers a sharp relief rally, but deep credit losses and negative cash flows keep risk elevated.
Investment score: 39/100
Analysis as of
Is Claros Mortgage Trust Inc stock worth reviewing? The TradeMates thesis
Despite a dramatic post-earnings relief surge (+66.67% in the regular session), Claros Mortgage Trust faces ongoing credit loss challenges, negative 2025 operating cash flow (-30.46M USD), and high debt leverage (1.29B USD total debt).
7-factor investment score
- Valuation: 40/100 (weight 20%)
- Financial Health: 20/100 (weight 15%)
- Technical Momentum: 55/100 (weight 15%)
- Earnings Quality: 35/100 (weight 15%)
- Insider Sentiment: 75/100 (weight 10%)
- Analyst Consensus: 30/100 (weight 10%)
- Risk-Adjusted Return: 30/100 (weight 15%)
Claros Mortgage Trust Inc opportunities and risks
What speaks for CMTG
- Q3 2026 loan resolutions of 702 million USD reduced watchlist loans to 1.6 billion USD and lowered pro forma debt-to-equity to 1.5x.
What speaks against CMTG
- Severe ongoing portfolio losses evidenced by 2025 GAAP net loss of -489.07M USD and negative TTM gross margin of -185.9%.
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| CMTG | n/a | 1.9x | n/a | -185.9% | -393.7% | 0.3% |
| RWT | n/a | 0.6x | 45.6x | 48.4% | 1.4% | -3493.5% |
| KREF | n/a | 0.9x | 45.8x | 84.1% | -52.7% | 13.3% |
| ABR | n/a | 0.3x | 16.4x | 88.7% | -5.6% | 100.2% |
| ARI | 3.2x | 1.2x | n/a | 7.7% | 50.6% | 13.5% |
| NREF | 4.2x | 2.1x | 29.1x | 86.4% | 75.0% | 2.5% |
| Peer median | n/a | 0.9x | 29.1x | 84.1% | 1.4% | 13.3% |
Frequently asked questions about Claros Mortgage Trust Inc (CMTG)
Is CMTG stock a good investment?
The TradeMates model rates Claros Mortgage Trust Inc as AVOID with an investment score of 39/100. Despite a dramatic post-earnings relief surge (+66.67% in the regular session), Claros Mortgage Trust faces ongoing credit loss challenges, negative 2025 operating cash flow (-30.46M USD), and high debt leverage (1.29B USD total debt). This is algorithmic model output, not personal investment advice.
Is CMTG stock a buy?
The TradeMates model verdict for CMTG is AVOID with an investment score of 39/100. Treat this as a model signal to review, not a personal buy recommendation.