BRSP BrightSpire Capital, Inc.

NYSE Real Estate Investment Trusts MD CIK: 0001717547
AI RATING
SELL
87% Confidence

Investment Thesis

Interest coverage of 0.6x indicates operating income cannot cover interest expenses, creating critical solvency risk. Declining revenue and severely depressed returns on capital (ROE 0.5%, ROA 0.1%) signal fundamental business deterioration. High leverage (2.82x debt/equity) with only $96.6M cash against $2.6B debt severely constrains financial flexibility.

Strengths

  • + Positive operating and free cash flow ($10.9M) with 12.8% FCF margin demonstrates some cash generation capability
  • + Net income growth (+5.6% YoY) and EPS expansion (+75.2% YoY) from prior year, indicating improved bottom-line performance
  • + Substantial asset base ($3.6B) provides structural support despite profitability challenges

Risks

  • ! CRITICAL: Interest coverage of 0.6x—operating income insufficient to cover interest obligations, indicating acute solvency risk
  • ! Revenue declining 7.9% YoY with minimal profitability (3.8% operating margin, 5.7% net margin) indicates weakening core business
  • ! Severely depressed capital efficiency (ROE 0.5%, ROA 0.1%) demonstrates assets and equity generating negligible returns
  • ! High leverage (2.82x debt/equity) with $2.6B debt versus modest $96.6M cash creates limited restructuring options and covenant violation risk

Key Metrics to Watch

Financial Metrics

Revenue
85.1M
Net Income
4.8M
EPS (Diluted)
$0.03
Free Cash Flow
10.9M
Total Assets
3.6B
Cash
96.6M

Profitability Ratios

Gross Margin N/A
Operating Margin 3.8%
Net Margin 5.7%
ROE 0.5%
ROA 0.1%
FCF Margin 12.8%

Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
2.82x
Debt/Assets
75.2%
Interest Coverage
0.63x
Long-term Debt
2.6B
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-05-06T12:50:28.429825 | Data as of: 2026-03-31 | Powered by Claude AI