ICR-PA
ICR-PA
Inpoint Commercial Real Estate Income, Inc.Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q2-2025 | $500.99K ▲ | $814.69K ▲ | $-772.51K ▲ | -154.2% ▲ | $-0 ▲ | $-692.84K ▲ |
| Q4-2024 | $157.63K ▲ | $647.54K ▼ | $-1.6M ▼ | -1.01K% ▼ | $-0.01 ▼ | $-1.53M ▼ |
| Q2-2024 | $122.66K ▼ | $672.54K ▼ | $-662.17K ▲ | -539.85% ▼ | $-0 ▲ | $-1.5M ▲ |
| Q4-2023 | $256.89K ▲ | $699.29K ▲ | $-764.59K ▲ | -297.64% ▲ | $-0 ▲ | $-1.83M ▲ |
| Q2-2023 | $147.46K | $685.79K | $-2.23M | -1.51K% | $-0.02 | $-2.15M |
What's going well?
Sales grew sharply this quarter, and losses are shrinking. The company is moving in the right direction, with revenue growth outpacing expense growth.
What's concerning?
Costs are still much higher than sales, and the company loses money on every product sold. Overhead and operating expenses are very high for the current revenue level.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q2-2025 | $1.26M ▲ | $1.92M ▲ | $1.31M ▼ | $604.64K ▲ |
| Q4-2024 | $834.2K ▼ | $1.52M ▼ | $1.69M ▲ | $-168.32K ▼ |
| Q2-2024 | $1.41M ▼ | $1.88M ▼ | $954.67K ▼ | $926.52K ▼ |
| Q4-2023 | $1.94M ▼ | $2.48M ▼ | $1.53M ▼ | $949.11K ▼ |
| Q2-2023 | $2.81M | $3.35M | $1.68M | $1.68M |
What's financially strong about this company?
The company has a big cash cushion, very little debt, and now has positive equity after a major turnaround. Most assets are high quality and liquid, so they can easily handle short-term needs.
What are the financial risks or weaknesses?
Retained earnings are deeply negative, showing a history of losses. The drop in deferred revenue could mean less future business locked in, and payables are rising, which may not be sustainable.
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q2-2025 | $-772.51K ▲ | $-655.03K ▲ | $-3.1K ▼ | $1.08M ▲ | $1.26M ▲ | $-658.13K ▲ |
| Q4-2024 | $-1.6M ▼ | $-1.19M ▼ | $0 | $611.3K ▲ | $-574.33K ▼ | $-1.19M ▼ |
| Q2-2024 | $-662.17K ▲ | $-471.88K ▲ | $0 ▼ | $-55.64K ▲ | $-527.53K ▲ | $-471.88K ▲ |
| Q4-2023 | $-764.59K ▲ | $-616.91K ▲ | $20.83K ▲ | $-281.09K ▼ | $-877.16K ▼ | $-596.08K ▲ |
| Q2-2023 | $-2.23M | $-2.48M | $-35.18K | $3.06M | $541.63K | $-2.52M |
What's strong about this company's cash flow?
Cash burn is shrinking, with net losses and negative cash flow both improving compared to last quarter. The company managed to boost its cash balance, giving it some breathing room.
What are the cash flow concerns?
The business is still losing real cash every quarter and depends on outside money to survive. Without new funding, the current cash could run out in less than a year.
5-Year Trend Analysis
A comprehensive look at Inpoint Commercial Real Estate Income, Inc.'s financial evolution and strategic trajectory over the past five years.
Key positives include gradually improving earnings trends, better cost discipline, and a meaningful reduction in operating and free‑cash‑flow losses. The company’s debt levels are relatively modest, and it benefits from the sponsorship of a large, experienced real estate organization that provides access to deal flow and operational expertise. Its niche focus on floating‑rate commercial real estate debt can be strategically attractive in certain rate environments, and the absence of goodwill or complex intangibles simplifies the balance sheet.
Major concerns center on financial fragility and business sustainability. The company remains structurally unprofitable, with negative gross profit and net income, and has accumulated enough losses to drive shareholder equity into negative territory. Liquidity has tightened dramatically, cash balances have fallen, and short‑term obligations have increased, heightening solvency risk. Persistent negative operating and free cash flow, combined with halted growth investments and no R&D, suggest limited room for error in a volatile commercial real estate market.
Looking ahead, the story hinges on whether the company can stabilize its balance sheet, restore positive cash generation, and scale its portfolio enough to cover its cost base. The improving trend in losses provides some evidence of operational progress, but the starting point is weak, and external conditions in commercial real estate and credit markets will be critical. The affiliation with Inland offers strategic support, yet the overall outlook remains highly dependent on successful execution of a conservative, capital‑disciplined strategy and on gradual normalization in the CRE environment rather than on rapid growth or transformative innovation.
About Inpoint Commercial Real Estate Income, Inc.
https://www.inland-investments.com/inpoi...Inpoint Commercial Real Estate Income, Inc., a real estate investment trust, focuses on originating, acquiring, and managing a portfolio of commercial real estate (CRE) investments in the United States.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q2-2025 | $500.99K ▲ | $814.69K ▲ | $-772.51K ▲ | -154.2% ▲ | $-0 ▲ | $-692.84K ▲ |
| Q4-2024 | $157.63K ▲ | $647.54K ▼ | $-1.6M ▼ | -1.01K% ▼ | $-0.01 ▼ | $-1.53M ▼ |
| Q2-2024 | $122.66K ▼ | $672.54K ▼ | $-662.17K ▲ | -539.85% ▼ | $-0 ▲ | $-1.5M ▲ |
| Q4-2023 | $256.89K ▲ | $699.29K ▲ | $-764.59K ▲ | -297.64% ▲ | $-0 ▲ | $-1.83M ▲ |
| Q2-2023 | $147.46K | $685.79K | $-2.23M | -1.51K% | $-0.02 | $-2.15M |
What's going well?
Sales grew sharply this quarter, and losses are shrinking. The company is moving in the right direction, with revenue growth outpacing expense growth.
What's concerning?
Costs are still much higher than sales, and the company loses money on every product sold. Overhead and operating expenses are very high for the current revenue level.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q2-2025 | $1.26M ▲ | $1.92M ▲ | $1.31M ▼ | $604.64K ▲ |
| Q4-2024 | $834.2K ▼ | $1.52M ▼ | $1.69M ▲ | $-168.32K ▼ |
| Q2-2024 | $1.41M ▼ | $1.88M ▼ | $954.67K ▼ | $926.52K ▼ |
| Q4-2023 | $1.94M ▼ | $2.48M ▼ | $1.53M ▼ | $949.11K ▼ |
| Q2-2023 | $2.81M | $3.35M | $1.68M | $1.68M |
What's financially strong about this company?
The company has a big cash cushion, very little debt, and now has positive equity after a major turnaround. Most assets are high quality and liquid, so they can easily handle short-term needs.
What are the financial risks or weaknesses?
Retained earnings are deeply negative, showing a history of losses. The drop in deferred revenue could mean less future business locked in, and payables are rising, which may not be sustainable.
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q2-2025 | $-772.51K ▲ | $-655.03K ▲ | $-3.1K ▼ | $1.08M ▲ | $1.26M ▲ | $-658.13K ▲ |
| Q4-2024 | $-1.6M ▼ | $-1.19M ▼ | $0 | $611.3K ▲ | $-574.33K ▼ | $-1.19M ▼ |
| Q2-2024 | $-662.17K ▲ | $-471.88K ▲ | $0 ▼ | $-55.64K ▲ | $-527.53K ▲ | $-471.88K ▲ |
| Q4-2023 | $-764.59K ▲ | $-616.91K ▲ | $20.83K ▲ | $-281.09K ▼ | $-877.16K ▼ | $-596.08K ▲ |
| Q2-2023 | $-2.23M | $-2.48M | $-35.18K | $3.06M | $541.63K | $-2.52M |
What's strong about this company's cash flow?
Cash burn is shrinking, with net losses and negative cash flow both improving compared to last quarter. The company managed to boost its cash balance, giving it some breathing room.
What are the cash flow concerns?
The business is still losing real cash every quarter and depends on outside money to survive. Without new funding, the current cash could run out in less than a year.
5-Year Trend Analysis
A comprehensive look at Inpoint Commercial Real Estate Income, Inc.'s financial evolution and strategic trajectory over the past five years.
Key positives include gradually improving earnings trends, better cost discipline, and a meaningful reduction in operating and free‑cash‑flow losses. The company’s debt levels are relatively modest, and it benefits from the sponsorship of a large, experienced real estate organization that provides access to deal flow and operational expertise. Its niche focus on floating‑rate commercial real estate debt can be strategically attractive in certain rate environments, and the absence of goodwill or complex intangibles simplifies the balance sheet.
Major concerns center on financial fragility and business sustainability. The company remains structurally unprofitable, with negative gross profit and net income, and has accumulated enough losses to drive shareholder equity into negative territory. Liquidity has tightened dramatically, cash balances have fallen, and short‑term obligations have increased, heightening solvency risk. Persistent negative operating and free cash flow, combined with halted growth investments and no R&D, suggest limited room for error in a volatile commercial real estate market.
Looking ahead, the story hinges on whether the company can stabilize its balance sheet, restore positive cash generation, and scale its portfolio enough to cover its cost base. The improving trend in losses provides some evidence of operational progress, but the starting point is weak, and external conditions in commercial real estate and credit markets will be critical. The affiliation with Inland offers strategic support, yet the overall outlook remains highly dependent on successful execution of a conservative, capital‑disciplined strategy and on gradual normalization in the CRE environment rather than on rapid growth or transformative innovation.
CEO
Denise C. Kramer
Compensation Summary
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Ratings Snapshot
Rating : C-