Tearsheet

Ares Commercial Real Estate (ACRE)


Market Price (12/25/2025): $5.1 | Market Cap: $280.0 Mil
Sector: Financials | Industry: Mortgage REITs

Ares Commercial Real Estate (ACRE)


Market Price (12/25/2025): $5.1
Market Cap: $280.0 Mil
Sector: Financials
Industry: Mortgage REITs

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.


0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.1%, FCF Yield is 8.0%
Weak multi-year price returns
2Y Excs Rtn is -86%, 3Y Excs Rtn is -111%
Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 259%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 257%
  Expensive valuation multiples
P/SPrice/Sales ratio is 43x
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 367%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 346%
  Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 64%
3 Low stock price volatility
Vol 12M is 43%
  Key risks
ACRE key risks include [1] a heavy portfolio concentration in the distressed office sector, Show more.
4 Megatrend and thematic drivers
Megatrends include Digital & Alternative Assets, and E-commerce Logistics & Data Centers. Themes include Private Credit, E-commerce Logistics, Show more.
  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.1%, FCF Yield is 8.0%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 257%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 367%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 346%
3 Low stock price volatility
Vol 12M is 43%
4 Megatrend and thematic drivers
Megatrends include Digital & Alternative Assets, and E-commerce Logistics & Data Centers. Themes include Private Credit, E-commerce Logistics, Show more.
5 Weak multi-year price returns
2Y Excs Rtn is -86%, 3Y Excs Rtn is -111%
6 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 259%
7 Expensive valuation multiples
P/SPrice/Sales ratio is 43x
8 Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 64%
9 Key risks
ACRE key risks include [1] a heavy portfolio concentration in the distressed office sector, Show more.

Valuation, Metrics & Events

ACRE Stock


Why The Stock Moved


Qualitative Assessment

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1. Improved Third Quarter 2025 Financial Performance: Ares Commercial Real Estate (ACRE) reported increased sequential GAAP net income and Distributable Earnings for the third quarter of 2025, surpassing analysts' consensus estimates. Specifically, GAAP net income was $4.7 million or $0.08 per diluted common share, and Distributable Earnings were $5.5 million or $0.10 per diluted common share.

2. Strategic Balance Sheet Strengthening and De-leveraging Initiatives: The company made significant advancements in fortifying its balance sheet, which included a 33% reduction in risk-rated 4 and 5 loans during the third quarter of 2024 and an 8% decline in outstanding debt. For the full year 2024, risk-rated 4 and 5 loans decreased by 34% year over year. Furthermore, ACRE collected an additional $166 million in loan repayments by February 10, 2025, substantially boosting its liquidity.

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Stock Movement Drivers

Fundamental Drivers

The 7.4% change in ACRE stock from 9/25/2025 to 12/25/2025 was primarily driven by a 32.1% change in the company's Total Revenues ($ Mil).
925202512252025Change
Stock Price ($)4.755.107.37%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)4.916.4932.08%
P/S Multiple53.0743.18-18.64%
Shares Outstanding (Mil)54.8654.90-0.09%
Cumulative Contribution7.37%

LTM = Last Twelve Months as of date shown

Market Drivers

9/25/2025 to 12/25/2025
ReturnCorrelation
ACRE7.2% 
Market (SPY)4.9%9.7%
Sector (XLF)4.2%37.8%

Fundamental Drivers

The 8.6% change in ACRE stock from 6/26/2025 to 12/25/2025 was primarily driven by a 332.0% change in the company's P/S Multiple.
626202512252025Change
Stock Price ($)4.695.108.63%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)25.756.49-74.82%
P/S Multiple9.9943.18332.02%
Shares Outstanding (Mil)54.8354.90-0.14%
Cumulative Contribution8.63%

LTM = Last Twelve Months as of date shown

Market Drivers

6/26/2025 to 12/25/2025
ReturnCorrelation
ACRE8.4% 
Market (SPY)13.1%20.7%
Sector (XLF)8.0%30.4%

Fundamental Drivers

The -7.2% change in ACRE stock from 12/25/2024 to 12/25/2025 was primarily driven by a -73.8% change in the company's P/S Multiple.
1225202412252025Change
Stock Price ($)5.505.10-7.24%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)1.816.49257.30%
P/S Multiple164.9843.18-73.83%
Shares Outstanding (Mil)54.4654.90-0.81%
Cumulative Contribution-7.24%

LTM = Last Twelve Months as of date shown

Market Drivers

12/25/2024 to 12/25/2025
ReturnCorrelation
ACRE-7.4% 
Market (SPY)15.8%38.9%
Sector (XLF)14.9%43.1%

Fundamental Drivers

The -29.2% change in ACRE stock from 12/26/2022 to 12/25/2025 was primarily driven by a -94.0% change in the company's Total Revenues ($ Mil).
1226202212252025Change
Stock Price ($)7.215.10-29.24%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)108.756.49-94.04%
P/S Multiple3.6143.181097.18%
Shares Outstanding (Mil)54.4254.90-0.90%
Cumulative Contribution-29.25%

LTM = Last Twelve Months as of date shown

Market Drivers

12/26/2023 to 12/25/2025
ReturnCorrelation
ACRE-40.0% 
Market (SPY)48.3%38.2%
Sector (XLF)52.6%40.2%

Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
ACRE Return-14%34%-20%16%-34%-5%-33%
Peers Return-20%29%-17%20%-7%10%4%
S&P 500 Return16%27%-19%24%23%18%115%

Monthly Win Rates [3]
ACRE Win Rate67%67%42%50%42%33% 
Peers Win Rate57%62%48%53%53%55% 
S&P 500 Win Rate58%75%42%67%75%73% 

Max Drawdowns [4]
ACRE Max Drawdown-73%-5%-24%-22%-36%-39% 
Peers Max Drawdown-68%-4%-25%-17%-18%-8% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 


[1] Cumulative total returns since the beginning of 2020
[2] Peers: STWD, BXMT, ARI, KREF, LADR. See ACRE Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)

How Low Can It Go

Unique KeyEventACRES&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-52.4%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven110.1%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-75.7%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven311.2%51.3%
2020 Covid PandemicTime to BreakevenTime to BreakevenNot Fully Recovered days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-11.8%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven13.4%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven59 days120 days

Compare to NLY, AGNC, STWD, HASI, RITM

In The Past

Ares Commercial Real Estate's stock fell -52.4% during the 2022 Inflation Shock from a high on 4/14/2022. A -52.4% loss requires a 110.1% gain to breakeven.

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About Ares Commercial Real Estate (ACRE)

Ares Commercial Real Estate Corporation, a specialty finance company, originates and invests in commercial real estate (CRE) loans and related investments in the United States. The company provides a range of financing solutions for the owners, operators, and sponsors of CRE properties. It originates senior mortgage loans, subordinate debt products, mezzanine loans, real estate preferred equity investments, and other CRE investments, including commercial mortgage backed securities. The company has elected and qualified to be taxed as a real estate investment trust for the United States federal income tax purposes under the Internal Revenue Code of 1986. Ares Commercial Real Estate Management LLC operates as the manager of the company. The company was incorporated in 2011 and is based in New York, New York.

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Analogies for Ares Commercial Real Estate (ACRE)

  • Rocket Mortgage for commercial properties. (ACRE provides loans for commercial real estate, similar to how Rocket Mortgage provides loans for residential homes.)
  • The commercial real estate lending division of a major bank like Wells Fargo. (ACRE specializes in providing debt financing for commercial properties, akin to the dedicated CRE lending departments within large traditional banks.)

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  • Commercial Real Estate Loans: Ares Commercial Real Estate originates and manages a diversified portfolio of senior secured loans to owners and operators of institutional-quality commercial real estate properties.

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Ares Commercial Real Estate (symbol: ACRE) is a specialty finance company structured as a real estate investment trust (REIT). It primarily originates, invests in, and manages a portfolio of senior secured loans and other commercial real estate-related debt instruments. In this business model, ACRE's "customers" are the commercial real estate entities that borrow money from them to finance their projects or acquisitions.

ACRE sells primarily to other companies and institutional entities, not to individuals. However, due to the proprietary and confidential nature of loan agreements and client relationships in the lending industry, Ares Commercial Real Estate (ACRE), like most commercial lenders, does not publicly disclose the specific names of its individual borrowers (customers). Therefore, specific customer company names and their symbols cannot be provided.

Instead, ACRE's customer base can be described by the following categories of commercial real estate sponsors and investors:

  • Real Estate Developers: Companies and partnerships engaged in the acquisition, development, construction, or significant renovation of commercial properties, seeking financing for various stages of their projects.
  • Institutional Real Estate Investors/Sponsors: Investment funds, private equity firms, and other sophisticated institutional groups that acquire, own, and manage portfolios of commercial properties across various asset classes (e.g., office, industrial, multi-family, retail, hospitality). These customers typically seek financing for acquisitions, refinancing existing debt, or capital expenditures.
  • Property Owners/Operators: Entities that own and operate existing commercial properties and may require financing for property acquisitions, refinancing of existing debt, or capital improvements to enhance asset value.

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  • Ares Management Corporation (ARES)

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Bryan Donohoe, Chief Executive Officer and Director

Mr. Donohoe is a Partner and Head of U.S. Debt in Ares Real Estate and serves as the Chief Executive Officer and a Director of Ares Commercial Real Estate Corporation. He joined Ares in 2019. Prior to joining Ares, Mr. Donohoe was a Managing Director for Commercial Real Estate Debt in the Real Estate Investment Group of AllianceBernstein. From 2010 to 2013, he was a Senior Professional at Ranieri Real Estate Partners. Mr. Donohoe also spent approximately ten years at Deutsche Bank, where he focused on originating, structuring, and closing first mortgage loans, as well as structuring, pricing, and disposing of first mortgage loans, B-notes, and mezzanine debt.

Jeffrey Michael Gonzales, Chief Financial Officer and Treasurer

Mr. Gonzales serves as the Chief Financial Officer, Treasurer, and Principal Accounting Officer of Ares Commercial Real Estate Corporation. He recently engaged in a stock sale to cover tax withholding obligations related to the vesting of common stock.

Tae-Sik Yoon, Chief Operating Officer

Mr. Yoon is a Partner and Chief Financial Officer of Ares Real Estate Group and Ares Private Equity Group, and also serves as the Chief Operating Officer of Ares Commercial Real Estate Corporation, having previously held the roles of Chief Financial Officer and Treasurer. He joined Ares in 2012. Prior to Ares, Mr. Yoon was a Senior Vice President of Capital Markets at Akridge. He also served as Managing Director and Chief Financial Officer of J.E. Robert Company, where he was involved in the formation and management of several real estate private equity funds, a public commercial mortgage REIT (JER Investors Trust Inc.), and the firm's operating platforms. His experience includes various investment banking roles at Morgan Stanley and a tenure as an attorney at Williams & Connolly LLP.

Anton S. Feingold, General Counsel, Vice President and Secretary

Mr. Feingold serves as the General Counsel, Vice President, and Secretary of Ares Commercial Real Estate Corporation.

William Stephen Benjamin, Partner, Head of Ares Real Estate and Chairman of the Board

Mr. Benjamin is a Partner and Head of Ares Real Estate, and Chairman of the Board of Ares Commercial Real Estate Corporation. He also serves as a Director of Ares Commercial Real Estate.

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The key risks to Ares Commercial Real Estate (ACRE) primarily stem from its exposure to a challenging commercial real estate market, particularly the struggling office sector, coupled with the impact of higher interest rates and concerns over its financial performance and dividend sustainability.

  1. Exposure to Distressed Office Real Estate and Increasing Loan Losses: A significant portion of ACRE's loan portfolio (41.5%) is exposed to the office sector, which continues to face substantial headwinds due to evolving work patterns and high national vacancy rates. This distress has resulted in increased loan delinquencies, loan downgrades, and a rise in credit loss reserves, directly impacting ACRE's financial performance and raising concerns about the quality of its assets.
  2. Impact of Elevated Interest Rates and Refinancing Risk: The current environment of higher interest rates has presented significant challenges for ACRE. The company is navigating interest rate volatility, which has led to a contraction in its net interest margin. Additionally, the broader commercial real estate market is facing a "maturity wall" of loans, creating substantial refinancing risks for a large volume of existing debt. This has contributed to weaknesses in ACRE's loan portfolio and concerns about its cost of capital.
  3. Dividend Sustainability and Profitability Concerns: ACRE has reported contracting margin trends, including significantly negative operating and net profit margins. Its distributable earnings have not consistently covered its quarterly dividend, leading to investor apprehension regarding the long-term sustainability of its dividend and overall profitability. Further dividend reductions are considered probable if the company's revenue continues to decline.

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Ares Commercial Real Estate Corporation (ACRE) is a specialty finance company primarily engaged in originating and investing in commercial real estate (CRE) loans and related investments in the United States. Its main products and services include senior mortgage loans, subordinate debt, mezzanine loans, and preferred equity products, as well as investments in commercial mortgage-backed securities.

The addressable markets for ACRE's main products and services in the U.S. are:

  • Commercial Real Estate (CRE) Debt: The outstanding U.S. commercial real estate debt market (including multifamily loans) totaled approximately $5.9 trillion as of the second quarter of 2024.

  • Bridge Loans: The United States Bridge Financing Services Market was valued at $31.3 billion in 2024 and is projected to grow to $69.62 billion by 2031.

  • Preferred Equity Products: null

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Here are 3-5 expected drivers of future revenue growth for Ares Commercial Real Estate (ACRE) over the next 2-3 years:
  1. Increased Loan Origination and Portfolio Expansion: Ares Commercial Real Estate anticipates increasing its loan origination activities in the coming quarters, with plans to expand its portfolio by $300-500 million by the end of 2025. The company recently closed $271 million in new loan commitments and expects substantial new loan closings in the fourth quarter of 2025, which should lead to positive portfolio growth for the full year.
  2. Redeployment of Capital: ACRE plans to redeploy capital generated from the sale of existing investments and loan amortizations into new, attractive commercial real estate (CRE) loans. This strategy is aimed at optimizing portfolio leverage and driving enhanced equity returns.
  3. Resolution of Non-Earning Assets and Portfolio Repositioning: The company is focused on strengthening its financial flexibility by addressing higher-risk, non-earning assets, including risk-rated 4 and 5 loans, and reducing its exposure to office loans. The resolution of these assets is a key step in repositioning the portfolio and is expected to accelerate investment activities by freeing up capital for deployment into earning assets.
  4. Stabilization and Improvement in the Commercial Real Estate Market: ACRE's management has noted encouraging signs of stabilization and gradual improvement within the broader commercial real estate market. This includes valuation stability in certain property types and submarkets due to a lack of new inventory. A potential easing cycle by the Federal Reserve could also contribute to favorable valuations and market conditions, potentially leading to increased demand for CRE loans and more attractive lending opportunities.

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Share Repurchases

  • Ares Commercial Real Estate (ACRE) has engaged in aggressive and sustained share repurchase programs over the last 3-5 years.
  • The company repurchased 220,000 common shares for $4.4 million in the first quarter of 2025 and 272,000 common shares for $5.1 million in the second quarter of 2025, both at significant discounts to book value.
  • ACRE has consistently reauthorized and extended its share repurchase program, including an additional $10 million program authorized after Q1 2025, and a $7.5 million program authorized in October 2025, with the existing $50 million program extended until July 31, 2026.

Share Issuance

  • Ares Commercial Real Estate did not issue any shares of its common stock in public or private offerings for the three and nine months ended September 30, 2025, and 2024.

Outbound Investments

  • ACRE's primary capital allocation in this category is through its core business of originating and investing in commercial real estate (CRE) loans and related investments.
  • As of the second quarter of fiscal 2025, the company held $1.32 billion in loans for investment (at amortized cost), with $72 million of new loans originated during that quarter.
  • By the third quarter of 2025, loans held for investment decreased to $1.23 billion, influenced by approximately $498.4 million in repayments year-to-date.

Trade Ideas

Select ideas related to ACRE. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
WU_11212025_Dip_Buyer_FCFYield11212025WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
13.8%13.8%-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper11212025COINCoinbase GlobalMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-0.3%-0.3%-0.5%
PYPL_11142025_Dip_Buyer_FCFYield11142025PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
-4.4%-4.4%-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper11142025VVisaMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
7.6%7.6%-2.7%
WD_11072025_Dip_Buyer_ValueBuy11072025WDWalker & DunlopDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
-11.2%-11.2%-12.1%

Recent Active Movers

More From Trefis

Peer Comparisons for Ares Commercial Real Estate

Peers to compare with:

Financials

ACRESTWDBXMTARIKREFLADRMedian
NameAres Com.Starwood.Blacksto.Apollo C.KKR Real.Ladder C. 
Mkt Price5.1018.5419.999.978.5811.3410.66
Mkt Cap0.36.73.41.40.61.41.4
Rev LTM6767508274120230252
Op Inc LTM-------
FCF LTM227142245671-1864
FCF 3Y Avg38303365105123137130
CFO LTM2478522418474-18129
CFO 3Y Avg38344365217127137177

Growth & Margins

ACRESTWDBXMTARIKREFLADRMedian
NameAres Com.Starwood.Blacksto.Apollo C.KKR Real.Ladder C. 
Rev Chg LTM257.3%-27.4%-4.6%36.3%-27.1%-14.4%-9.5%
Rev Chg 3Y Avg48.9%-16.5%-4.5%-5.8%-9.4%-5.3%-5.5%
Rev Chg Q14.5%-13.2%21.1%221.0%-36.8%-17.6%0.6%
QoQ Delta Rev Chg LTM32.1%-3.9%4.8%76.6%-11.1%-5.0%0.5%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM367.0%102.3%44.1%67.2%61.4%-8.0%64.3%
CFO/Rev 3Y Avg848.7%41.6%61.8%93.3%79.8%46.6%70.8%
FCF/Rev LTM346.5%93.1%44.1%20.5%59.0%-8.0%51.6%
FCF/Rev 3Y Avg841.9%36.8%61.8%44.6%76.9%46.6%54.2%

Valuation

ACRESTWDBXMTARIKREFLADRMedian
NameAres Com.Starwood.Blacksto.Apollo C.KKR Real.Ladder C. 
Mkt Cap0.36.73.41.40.61.41.4
P/S43.28.76.85.14.76.26.5
P/EBIT-------
P/E-36.418.232.010.0-1,020.317.813.9
P/CFO11.88.515.37.57.7-76.98.1
Total Yield8.2%15.3%12.7%20.1%11.9%13.9%13.3%
Dividend Yield11.0%9.8%9.5%10.1%12.0%8.3%10.0%
FCF Yield 3Y Avg9.7%4.3%10.6%7.5%15.8%9.9%9.8%
D/E2.91.74.65.46.31.93.7
Net D/E2.61.64.55.36.01.63.5

Returns

ACRESTWDBXMTARIKREFLADRMedian
NameAres Com.Starwood.Blacksto.Apollo C.KKR Real.Ladder C. 
1M Rtn-2.9%1.5%3.4%-2.0%0.7%2.3%1.1%
3M Rtn7.4%-7.2%7.3%-3.0%-7.9%2.6%-0.2%
6M Rtn8.6%-4.7%6.1%6.5%0.1%8.9%6.3%
12M Rtn-7.2%4.9%20.8%22.0%-9.9%7.5%6.2%
3Y Rtn-29.2%29.6%25.8%27.2%-17.0%41.3%26.5%
1M Excs Rtn-1.0%0.8%3.3%-3.0%-0.4%1.7%0.2%
3M Excs Rtn2.4%-12.2%2.3%-7.9%-12.9%-2.4%-5.1%
6M Excs Rtn-4.3%-17.6%-6.8%-6.3%-12.8%-3.9%-6.6%
12M Excs Rtn-25.3%-11.4%4.7%5.8%-25.9%-8.9%-10.2%
3Y Excs Rtn-111.0%-49.8%-55.8%-52.0%-98.5%-37.9%-53.9%

Financials

Segment Financials

Revenue by Segment
$ Mil20242023202220212020
Single Segment811091027977
Total811091027977


Price Behavior

Price Behavior
Market Price$5.09 
Market Cap ($ Bil)0.3 
First Trading Date04/26/2012 
Distance from 52W High-9.4% 
   50 Days200 Days
DMA Price$4.92$4.50
DMA Trendupup
Distance from DMA3.5%13.1%
 3M1YR
Volatility42.1%43.6%
Downside Capture9.69114.51
Upside Capture39.7890.28
Correlation (SPY)10.1%39.0%
ACRE Betas & Captures as of 11/30/2025

 1M2M3M6M1Y3Y
Beta0.660.480.390.940.911.10
Up Beta-3.54-1.39-0.480.720.670.83
Down Beta1.550.870.910.820.921.21
Up Capture326%136%68%114%91%99%
Bmk +ve Days12253873141426
Stock +ve Days9162557112371
Down Capture66%40%8%100%116%107%
Bmk -ve Days7162452107323
Stock -ve Days8213262127362

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
 Comparison of ACRE With Other Asset Classes (Last 1Y)
 ACRESector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return-4.5%18.3%19.2%71.9%8.9%6.0%-10.1%
Annualized Volatility43.6%19.0%19.5%19.3%15.3%17.1%35.0%
Sharpe Ratio0.010.750.782.690.360.18-0.12
Correlation With Other Assets 43.4%39.1%-2.2%9.0%52.0%23.8%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
 Comparison of ACRE With Other Asset Classes (Last 5Y)
 ACRESector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return-6.0%16.3%14.9%18.7%11.7%4.8%32.7%
Annualized Volatility35.4%18.9%17.1%15.5%18.7%18.9%48.7%
Sharpe Ratio-0.090.720.700.970.510.170.60
Correlation With Other Assets 51.4%49.3%9.7%17.4%57.0%22.3%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
 Comparison of ACRE With Other Asset Classes (Last 10Y)
 ACRESector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return2.5%13.0%14.7%14.9%6.9%5.2%69.3%
Annualized Volatility45.0%22.3%18.0%14.8%17.6%20.8%55.8%
Sharpe Ratio0.220.540.700.830.310.220.90
Correlation With Other Assets 52.3%47.2%1.8%20.9%59.6%15.5%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date12152025
Short Interest: Shares Quantity2,191,792
Short Interest: % Change Since 1130202510.4%
Average Daily Volume487,597
Days-to-Cover Short Interest4.50
Basic Shares Quantity54,904,862
Short % of Basic Shares4.0%

Earnings Returns History

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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/7/2025-5.9%-2.6%2.8%
8/5/2025-0.5%5.8%20.7%
5/7/20253.0%2.6%2.4%
2/12/2025-5.0%-6.7%-9.3%
11/7/20241.3%-2.2%-0.6%
8/6/20241.8%1.3%3.1%
5/9/20241.9%0.7%3.5%
2/22/2024-0.8%-1.4%0.1%
...
SUMMARY STATS   
# Positive141216
# Negative10128
Median Positive2.2%2.0%4.7%
Median Negative-2.8%-2.7%-3.2%
Max Positive41.4%25.1%30.8%
Max Negative-5.9%-6.7%-26.9%

SEC Filings

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Report DateFiling DateFiling
93020251107202510-Q 9/30/2025
6302025805202510-Q 6/30/2025
3312025507202510-Q 3/31/2025
12312024212202510-K 12/31/2024
93020241107202410-Q 9/30/2024
6302024806202410-Q 6/30/2024
3312024509202410-Q 3/31/2024
12312023222202410-K 12/31/2023
93020231103202310-Q 9/30/2023
6302023802202310-Q 6/30/2023
3312023502202310-Q 3/31/2023
12312022215202310-K 12/31/2022
93020221102202210-Q 9/30/2022
6302022729202210-Q 6/30/2022
3312022503202210-Q 3/31/2022
12312021215202210-K 12/31/2021

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value
Value of
Held Shares
Form
0FEINGOLD ANTONGen. Counsel VP and Secretary2042025Sell5.687,61543,263445,187Form
1Gonzales Jeffrey MichaelCFO and Treasurer2042025Sell5.684,02022,839288,337Form
2Donohoe Bryan PatrickChief Executive Officer2042025Sell5.6823,465133,2301,243,149Form