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Terra Property Trust, Inc. key statistics and ratios

In fiscal 2025, Terra Property Trust, Inc. had return on equity of -16.8%, an operating margin of -3.7% and debt equal to 123.4% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin56.0%47.0%16.6%19.1%−36.1%7.9%−3.7%−75.7%
Net margin17.6%10.4%−26.5%−12.3%−83.8%−74.8%−78.5%−164.0%
Free-cash-flow margin———0.7%12.5%−6.6%5.4%—
Return on equity3.6%1.9%−4.3%−2.3%−20.2%−17.4%−16.8%−26.6%
Return on assets1.7%0.9%−1.9%−0.9%−7.7%−6.1%−6.2%−12.1%
Asset turnover0.100.090.070.080.090.080.080.07
Debt to equity0.0%50.0%107.4%136.3%172.5%178.3%123.4%93.7%
Interest cover (operating income ÷ interest)9.3x7.9x4.9x0.7xn/m0.2xn/mn/m
Capital spending as % of revenue———0.0%0.2%0.0%0.0%—
Dividends ÷ net income336.9%405.2%——————
Dividends and buybacks ÷ free cash flow———>999%219.4%—607.2%—

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

10 /100

Weak moat

How hard Terra Property Trust's competitive advantage looks for rivals to wear away, judged from 7 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median -3.2% of total assets over 7 years.

  • Durability 1 / 20

    Operating margin has been a median 7.4%; its worst year was -75.7%.

  • Discipline 5 / 20

    The diluted share count rose 24.9% over five years.

AI disruption exposure: Low. In this industry, the business rests on physical assets, regulated networks or products AI itself depends on.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Terra Property Trust, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Terra Property Trust, Inc.