The company maintains a relatively stable equity base of $327 million and a conservative debt-to-equity ratio of 1.48x, which provides a buffer against potential credit deterioration in its transitional loan portfolio.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 |
|---|
| Total Assets | 797.4M | 820.86M | 692.81M | 731.52M | 746.85M | 599.99M | 196.06M | 360.71M | 303.68M | 343.59M | 272.78M | 257.09M | 269.67M | 229.06M | 226.7M | 114.3M |
| Asset Growth % | 36.42% | 18.48% | -5.29% | -2.05% | 24.48% | 206.03% | -45.65% | 18.78% | -11.61% | 25.96% | 6.1% | -4.66% | 17.73% | 1.04% | 98.34% | - |
| Real Estate & Other Assets | 0 | 680.86M | 15.29M | 16.12M | 0 | 0 | -91.88M | -357.96M | -303.68M | -343.59M | -272.78M | -255.36M | -267.8M | -226.51M | -224.82M | -113.27M |
| PP&E (Net) | 0 | 2.77M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investment Securities | 0 | 1000K | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Current Assets | 60.02M | 126.66M | 677.52M | 715.4M | 746.85M | 599.99M | 0 | 2.57M | 2.56M | 2.57M | 1.97M | 1.73M | 1.87M | 2.56M | 1.87M | 929.82K |
| Cash & Equivalents | 56.61M | 123.47M | 70.75M | 87.86M | 71.07M | 26.2M | 103.31M | 6.59K | 0 | 0 | 0 | 0 | 19.06K | 0 | 52K | 683 |
| Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 929.14K |
| Other Current Assets | 0 | 0 | 4.93M | 5.46M | 5.85M | 3.02M | -195.68M | 0 | 303.68M | 343.59M | 272.78M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 470.42M | 492.2M | 423.53M | 460.28M | 475.27M | 342.3M | 3.16M | 88.71M | 88.51M | 89.45M | 60.67M | 60.36M | 60.37M | 61.22M | 50.31M | 27.31M |
| Total Debt | 0 | 487.66M | 417.8M | 454.42M | 471.52M | 339.63M | 0 | 88M | 88M | 88M | 60M | 60M | 60M | 60M | 50M | 10M |
| Net Debt | -56.61M | 364.19M | 347.05M | 366.57M | 400.45M | 313.43M | -103.31M | 87.99M | 88M | 88M | 60M | 60M | 59.98M | 60M | 49.95M | 10M |
| Long-Term Debt | 0 | 15.47M | 162.03M | 454.42M | 471.52M | 339.63M | 0 | 0 | 0 | 0 | 0 | 60M | 0 | 60M | 0 | 0 |
| Short-Term Borrowings | 0 | 472.19M | 255.76M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 472.19M | 261.5M | 5.86M | 3.75M | 2.67M | 0 | 239.28K | 59.84K | 1.06M | 322.82K | 10.93K | 9.71K | 8.98K | 12.07K | 109.62K |
| Accounts Payable | 0 | 0 | 3.48M | 3.29M | 1.9M | 1.56M | 0 | 239.28K | 59.84K | 1.06M | 322.82K | 10.93K | 9.71K | 8.98K | 12.07K | 109.62K |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -87.94M | -86.94M | -59.68M | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 470.42M | 4.55M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -60M | 0 | -60M | 0 | 0 |
| Total Equity | 326.98M | 328.65M | 269.28M | 271.25M | 271.58M | 257.69M | 192.89M | 272M | 302.07M | 340.28M | 271.54M | 196.73M | 209.3M | 167.84M | 176.39M | 86.99M |
| Equity Growth % | 41.01% | 22.05% | -0.73% | -0.12% | 5.39% | 33.59% | -29.08% | -9.95% | -11.23% | 25.32% | 38.03% | -6% | 24.7% | -4.85% | 102.76% | - |
| Shareholders Equity | 326.98M | 328.65M | 269.28M | 271.25M | 271.58M | 257.69M | 192.89M | 272M | 215.17M | 254.14M | 212.11M | 196.73M | 209.3M | 167.84M | 176.39M | 86.99M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 86.89M | 86.14M | 59.43M | 0 | 0 | 0 | 0 | 0 |
| Common Stock | 23K | 23K | 15K | 15K | 15K | 15K | 10.2K | 10.2K | 10.2K | 10.2K | 7.65K | 7.65K | 7.65K | 7.65K | 7.65K | 2.38K |
| Additional Paid-in Capital | 0 | 303.19M | 240.43M | 239.44M | 238.5M | 237.62M | 192.88M | 255.32M | 198.49M | 198.78M | 155.45M | 176.58M | 180.93M | 236.47M | 240.79M | 138.06M |
| Retained Earnings | 0 | 25.44M | 28.84M | 31.79M | 33.06M | 20.05M | 0 | 0 | 215.17M | -14.97K | -8.25K | -6.35K | -6.02K | -5.3K | -5.64K | -53.11M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.68M | 16.68M | 16.68M | 16.68M | 16.68M | 16.68M | 16.68M | 16.68M | 0 |
| Return on Assets (ROA) | 2.03% | 2.04% | 2.48% | 3.48% | 4.08% | 6.19% | -20% | 21.35% | -6.24% | 2.67% | 9.74% | -0.82% | 20.77% | 0.72% | 18.97% | 4.69% |
| Return on Equity (ROE) | 5.14% | 5.16% | 6.53% | 9.49% | 10.37% | 10.94% | -23.95% | 24.71% | -6.29% | 2.69% | 11.02% | -1.07% | 27.47% | 0.95% | 24.55% | 6.16% |
| Debt / Assets | 0% | 59.41% | 60.3% | 62.12% | 63.13% | 56.61% | - | 24.4% | 28.98% | 25.61% | 22% | 23.34% | 22.25% | 26.19% | 22.06% | 8.75% |
| Debt / Equity | 0.00x | 1.48x | 1.55x | 1.68x | 1.74x | 1.32x | - | 0.32x | 0.29x | 0.26x | 0.22x | 0.30x | 0.29x | 0.36x | 0.28x | 0.11x |
| Net Debt / EBITDA | -1.69x | 7.91x | 6.82x | 14.66x | 7.15x | 11.99x | - | 1.19x | 5.24x | 7.10x | 5.64x | - | 1.14x | - | 1.52x | 1.74x |
| Book Value per Share | 14.60 | 21.57 | 18.30 | 18.55 | 18.68 | 22.80 | 18.91 | 26.66 | 29.61 | 39.78 | 35.49 | 25.51 | 27.32 | 22.84 | 24.73 | 36.62 |
Transitional loan credit exposure
According to the most recent quarterly filings, SEVN maintains a debt-to-equity ratio of 1.48x, which appears notably conservative compared to the broader mortgage REIT peer group, suggesting a deliberate strategy to limit balance sheet risk during periods of heightened commercial real estate uncertainty.
The current leverage profile indicates that the company is operating with significant capacity to absorb potential asset impairments without breaching debt covenants. However, this under-leveraged position may also imply a drag on return on equity, as the firm is not fully utilizing its capital base to drive interest income.
Based on reported financial statements, SEVN holds $123.5 million in cash and equivalents as of 2025Q4, providing a robust liquidity buffer that allows the company to fund ongoing loan commitments and navigate potential market disruptions without immediate reliance on external capital markets.
This elevated cash position serves as a strategic hedge against the volatility observed in the transitional loan market. Investors should monitor whether this liquidity is deployed into high-quality originations or if it remains idle, which would continue to suppress the company's overall yield potential.
As indicated by the company's focus on middle-market first mortgage liens, SEVN's portfolio is heavily concentrated in transitional assets, which, according to recent data, requires careful monitoring of borrower debt service coverage ratios to ensure collateral protection remains intact across the diverse geographic footprint.
The reliance on transitional properties introduces inherent risks related to construction delays and interest rate sensitivity. While the first-lien position provides a degree of security, the underlying asset performance remains the primary determinant of the portfolio's long-term stability and the sustainability of dividend distributions.
Financial records show that SEVN's equity base has remained relatively stable, hovering near $327 million in 2026Q1, which suggests that management has successfully avoided significant dilution while navigating the complexities of the current high-rate environment and the associated credit loss provisioning requirements.
The preservation of book value is a critical indicator of management's disciplined approach to capital allocation. However, the modest return on equity figures suggest that the company must improve its net interest margin to justify its current valuation and provide meaningful growth for shareholders.
Quick answers to the most common questions about buying SEVN stock.
As of 2025, Seven Hills Realty Trust (SEVN) had total assets of $820.9M including $126.7M in current assets.
Seven Hills Realty Trust (SEVN) carries total debt of $487.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Seven Hills Realty Trust (SEVN) has total shareholders' equity (book value) of $328.7M ($21.57 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Seven Hills Realty Trust (SEVN) reported a current ratio of 0.27x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.