CMTG: Q4 GAAP net loss $219M ($1.56/sh); CECL reserves $443M (10.9% of UPB)

Claros Mortgage Trust, Inc.

2025-FY EPS reported -$3.49 vs consensus -$0.13 ▼ miss (-2601.2%)

GAAP net loss $219.2M ($1.56 per share); FY2025 loss $489.1M ($3.49 per share).
Distributable loss $101.7M ($0.71); distributable earnings pre-realized $2.9M ($0.02) in Q4.
Provision for CECL $211.7M in Q4; year-end reserves $443.1M, or 10.9% of loan UPB.
Resolved 21 loans ($2.5B UPB) in 2025; Q4 resolved $483.9M UPB; post-quarter $388.7M.
Liquidity $185M at Dec 31, $153M at Feb 17; closed new $500M secured term loan maturing 2030.

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