---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-003792"
form_type: "8-K"
ticker: "IRT"
cik: "0001466085"
company_name: "INDEPENDENCE REALTY TRUST, INC."
filed_at: "2026-02-11T23:59:59+00:00"
generated_at: "2026-05-16T03:16:30.553230+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# IRT reports FY2025 EPS $0.24, CFFO $1.17; new $350M term loan refinances 2026 maturities

## Summary
- FY2025 net income $56.6M, EPS $0.24; CFFO $279.8M ($1.17/share) vs. $1.16 in 2024.
- Same-store NOI growth 2.4% for FY2025; Q4 NOI growth 1.8%, occupancy 95.6%.
- New $350M unsecured term loan maturing 2030; aggregate revolver/term facility capacity increased to $1.5B.
- FY2026 guidance: EPS $0.21-$0.28, CFFO $1.12-$1.16, same-store NOI (0.6%) to 2.2%.
- Net debt to adjusted EBITDA 5.7x; repurchased 1.9M shares for $30.0M in 2025.

## SEC filing metadata
- accession: 0001437749-26-003792
- form_type: 8-K
- ticker: IRT
- cik: 0001466085
- company_name: INDEPENDENCE REALTY TRUST, INC.
- filed_at: 2026-02-11T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 1.01, 1.02, 2.02, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1466085/000143774926003792/0001437749-26-003792-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1466085/000143774926003792/irt20251204c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-003792
- JSON: https://secwatch.observer/filing/0001437749-26-003792.json
- Plain text: https://secwatch.observer/filing/0001437749-26-003792.txt

## Source-grounded claims
- claim_id: 8cd1fa216314fdb04a575235b9c3bf85ae4bc96c
  claim: INDEPENDENCE REALTY TRUST, INC. incurred term loan of $350.0 million with KeyBank National Association at SOFR rate plus a margin of 80 to 160 basis points maturing February 11, 2030.
  evidence_excerpt: The Restated Credit Agreement provides for a new $350.0 million term loan with a maturity date of February 11, 2030 (the "2030 Term Loan"), subject to a one-year extension option.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1466085/000143774926003792/0001437749-26-003792-index.htm
- claim_id: 62e337e5edb5f1def852c3bd6dc89abcee7d2d8d
  claim: INDEPENDENCE REALTY TRUST, INC. amended Sixth Amended and Restated Credit Agreement with KeyBank National Association and other lenders valued at $1.5 billion (effective 2026-02-11).
  evidence_excerpt: On February 11, 2026, Independence Realty Operating Partnership, LP (“IROP”) the limited partnership through which Independence Realty Trust, Inc. (“IRT”) owns its assets and conducts its operations, entered into a Sixth Amended and Restated Credit Agreement (the “Restated Credit Agreement”) dated as of February 11, 2026, by and among IROP, as borrower, IRT as parent guarantor, KeyBank National Association (“KeyBank”), as administrative agent, and the other agents and lender parties thereto.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1466085/000143774926003792/0001437749-26-003792-index.htm
- claim_id: a26dd6d3326a2c9e09598388e338f427974c11da
  claim: INDEPENDENCE REALTY TRUST, INC. terminated Fifth Amended and Restated Credit Agreement with KeyBank National Association and other lenders (effective 2026-02-11).
  evidence_excerpt: Upon the effectiveness of the Sixth Restated Credit Agreement, the Fifth Restated Credit Agreement was subsumed within, and is now governed by, the Sixth Restated Credit Agreement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1466085/000143774926003792/0001437749-26-003792-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.