InPoint Commercial Real Estate Income (ICR-PA) Debt Ratio (2017 - 2025)
InPoint Commercial Real Estate Income (ICR-PA) posted Debt Ratio of 0.95 for Q3 2025, up 11.51% on a QoQ basis from 0.85 in Q2 2025, and up 4.0% year-over-year from 0.92 in Q3 2024.
Analysis
InPoint Commercial Real Estate Income (ICR-PA) Debt Ratio (2017 - 2025) Analysis & Trends
InPoint Commercial Real Estate Income has reported Debt Ratio for 9 years, with the latest figure at 0.95 in Q3 2025.
- On a quarterly basis, Debt Ratio rose 4.0% year-over-year to 0.95 in Q3 2025; TTM through Sep 2025 was 0.95, a 4.0% increase from a year earlier, with the FY2024 full-year figure at 0.86, down 1.13% from the prior year.
- Debt Ratio was 0.95 for Q3 2025 at InPoint Commercial Real Estate Income, up from 0.85 in the prior quarter.
- The five-year high for Debt Ratio was 1.19 in Q3 2023, with the low at 0.66 in Q1 2023.
- Average Debt Ratio over 5 years is 0.84, with a median of 0.83 recorded in 2025.
- The sharpest annual moves came in 2023 and 2024: Debt Ratio soared 59.32% in 2023, then declined 22.8% in 2024.
- Over 5 years, Debt Ratio stood at 0.77 in 2021, then fell by 12.29% to 0.68 in 2022, then gained by 28.03% to 0.87 in 2023, then declined by 1.13% to 0.86 in 2024, then grew by 11.18% to 0.95 in 2025.
- The last three Debt Ratio figures came in at 0.95 (Q3 2025), 0.85 (Q2 2025), and 0.8 (Q1 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 43.85 Bn | 43.85 Bn | 4.68 Bn | 0.35 |
| 2 | Royalty Pharma | 26.83 Bn | 26.00 Bn | - | 0.47 |
| 3 | Royal Gold | 22.18 Bn | 22.00 Bn | 390.45 Mn | 0.04 |
| 4 | OR Royalties | 6.95 Bn | 6.88 Bn | 82.22 Mn | - |
| 5 | Encore Capital | 2.13 Bn | 1.95 Bn | 455.04 Mn | - |
| 6 | Atlanticus Holdings | 1.42 Bn | 866.02 Mn | 686.46 Mn | 0.84 |
| 7 | Jefferson Capital | 1.20 Bn | 1.18 Bn | - | 0.93 |
| 8 | Upbound | 1.08 Bn | 973.35 Mn | 594.84 Mn | 0.46 |
| 9 | Lufax Holding | 1.07 Bn | -1.56 Bn | - | 0.38 |
| 10 | InPoint Commercial Real Estate Income | 226.28 Mn | 167.15 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2025 | 0.95 |
| Jun 30, 2025 | 0.85 |
| Mar 31, 2025 | 0.80 |
| Dec 31, 2024 | 0.86 |
| Sep 30, 2024 | 0.92 |
| Jun 30, 2024 | 0.91 |
| Mar 31, 2024 | 0.89 |
| Dec 31, 2023 | 0.87 |
| Sep 30, 2023 | 1.19 |
| Jun 30, 2023 | 1.12 |
| Mar 31, 2023 | 0.66 |
| Dec 31, 2022 | 0.68 |
| Sep 30, 2022 | 0.74 |
| Jun 30, 2022 | 0.75 |
| Mar 31, 2022 | 0.68 |
| Dec 31, 2021 | 0.77 |
| Sep 30, 2021 | 0.70 |
| Jun 30, 2021 | 0.75 |
| Dec 31, 2020 | 0.72 |
| Sep 30, 2019 | 0.44 |