---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-005001"
form_type: "8-K"
ticker: "ACRE"
cik: "0001529377"
company_name: "Ares Commercial Real Estate Corp"
filed_at: "2025-02-12T23:59:59+00:00"
generated_at: "2026-05-26T22:50:34.110768+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# ACRE reports Q4 GAAP loss of $0.20/share; cuts quarterly dividend to $0.15

## Summary
- Q4 GAAP net loss of $10.7M ($0.20/diluted share); full-year loss $35.0M ($0.64/share).
- Distributable Earnings (Loss) for Q4 of -$8.3M (-$0.15/share); full-year -$44.6M (-$0.82/share).
- Board declares Q1 2025 dividend of $0.15/share, down from $0.25/share in Q4 2024.
- Collected $166M in loan repayments post year-end, boosting available capital to over $200M as of Feb 10.
- Risk rated 4 & 5 loans declined 34% YoY; CEO cites focus on resolving remaining underperforming loans.

## SEC filing metadata
- accession: 0001628280-25-005001
- form_type: 8-K
- ticker: ACRE
- cik: 0001529377
- company_name: Ares Commercial Real Estate Corp
- filed_at: 2025-02-12T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1529377/000162828025005001/0001628280-25-005001-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1529377/000162828025005001/acre-20250212.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-005001
- JSON: https://secwatch.observer/filing/0001628280-25-005001.json
- Plain text: https://secwatch.observer/filing/0001628280-25-005001.txt

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