📊 CLPR Key Takeaways
Is Clipper Realty Inc. (CLPR) a Good Investment?
Clipper Realty exhibits severe financial distress with negative stockholders' equity of -$36.3M and critically low interest coverage of 0.3x, meaning operating income covers only 30% of interest expenses. Negative free cash flow of -$7.7M combined with an unsustainable debt load of $1.3B (34x revenue) against a net loss of -$4.2M signals potential insolvency without significant operational improvement or balance sheet restructuring.
Clipper Realty’s fundamentals are dominated by balance-sheet stress: liabilities exceed assets, stockholders’ equity is negative, and interest coverage of 0.1x indicates operating earnings are far too thin relative to debt service. While revenue grew modestly and free cash flow remained positive, the company is still unprofitable with a very weak operating margin, making the current growth profile low quality and financially fragile.
Clipper Realty Inc. Key Strengths (CLPR)
- Revenue growth of 3% YoY demonstrates some business retention and market demand
- Positive operating cash flow of $3.6M indicates core operations generate cash before financing costs
- Net loss improved 62% YoY suggesting recent operational enhancements
- Revenue is still growing modestly year over year, indicating underlying property income has not collapsed
- Operating cash flow and free cash flow are positive, providing some internal liquidity support
- Net loss improved versus the prior year, suggesting some earnings stabilization
CLPR Stock Risks: Clipper Realty Inc. Investment Risks
- Negative stockholders' equity of -$36.3M indicates technical insolvency and erosion of shareholder value
- Interest coverage ratio of 0.3x - operating income covers only 30% of interest expenses, creating acute default risk
- Negative free cash flow of -$7.7M means company burns cash despite positive operations; unsustainable without refinancing
- Debt-to-revenue ratio of 34x is structurally unsustainable for a REIT with $1.3B debt against $38.1M revenue
- Negative net margin of -11.1% indicates unprofitable core business model
- Negative stockholders equity signals severe balance-sheet weakness and limits financial flexibility
- Long-term debt of $1.29B against only $30.82M of cash creates significant refinancing and solvency risk
- Interest coverage of 0.1x and a -13.0% net margin indicate the business is not currently earning enough to comfortably support its capital structure
Key Metrics to Watch
- Stockholders' equity recovery trajectory - must turn positive within 2-4 quarters
- Interest coverage ratio improvement - must exceed 1.5x to reduce default risk
- Free cash flow path to positive - critical for long-term viability
- Debt reduction or restructuring announcements - current leverage is unsustainable
- Revenue growth sustainability and net margin improvement toward breakeven
- Interest coverage and debt refinancing progress
- Operating cash flow relative to capital expenditures and interest burden
Clipper Realty Inc. (CLPR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CLPR Profit Margin, ROE & Profitability Analysis
CLPR vs Real Estate Sector: How Clipper Realty Inc. Compares
How Clipper Realty Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Clipper Realty Inc. Stock Overvalued? CLPR Valuation Analysis 2026
Based on fundamental analysis, Clipper Realty Inc. has mixed fundamental signals relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Clipper Realty Inc. Balance Sheet: CLPR Debt, Cash & Liquidity
CLPR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Clipper Realty Inc.'s revenue has grown significantly by 25% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.25 indicates the company is currently unprofitable.
CLPR Revenue Growth, EPS Growth & YoY Performance
CLPR Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $38.1M | -$11.1M | $-0.30 |
| Q3 2025 | $37.6M | -$1.1M | N/A |
| Q2 2025 | $37.3M | -$1.4M | N/A |
| Q1 2025 | $35.8M | -$2.7M | N/A |
| Q3 2024 | $35.1M | -$1.1M | N/A |
| Q2 2024 | $34.5M | -$1.7M | N/A |
| Q1 2024 | $33.7M | -$2.7M | N/A |
| Q3 2023 | $32.8M | -$2.3M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Clipper Realty Inc. Dividends, Buybacks & Capital Allocation
CLPR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Clipper Realty Inc. (CIK: 0001649096)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CLPR
What is the AI rating for CLPR?
Clipper Realty Inc. (CLPR) has a Combined AI Grade of D from Claude (D) and ChatGPT (D) with 88% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CLPR's key strengths?
Claude: Revenue growth of 3% YoY demonstrates some business retention and market demand. Positive operating cash flow of $3.6M indicates core operations generate cash before financing costs. ChatGPT: Revenue is still growing modestly year over year, indicating underlying property income has not collapsed. Operating cash flow and free cash flow are positive, providing some internal liquidity support.
What are the risks of investing in CLPR?
Claude: Negative stockholders' equity of -$36.3M indicates technical insolvency and erosion of shareholder value. Interest coverage ratio of 0.3x - operating income covers only 30% of interest expenses, creating acute default risk. ChatGPT: Negative stockholders equity signals severe balance-sheet weakness and limits financial flexibility. Long-term debt of $1.29B against only $30.82M of cash creates significant refinancing and solvency risk.
What is CLPR's revenue and growth?
Clipper Realty Inc. reported revenue of $38.1M.
Does CLPR pay dividends?
Clipper Realty Inc. pays dividends, with $4.7M distributed to shareholders in the trailing twelve months.
Where can I find CLPR SEC filings?
Official SEC filings for Clipper Realty Inc. (CIK: 0001649096) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CLPR's EPS?
Clipper Realty Inc. has a diluted EPS of $-0.30.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CLPR's fundamental grade?
Based on our AI fundamental analysis in June 2026, Clipper Realty Inc. has a D grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CLPR stock overvalued or undervalued?
Valuation metrics for CLPR: ROE of N/A (sector avg: 8%), net margin of -11.1% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
What is CLPR's AI grade for 2026?
Our dual AI analysis gives Clipper Realty Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CLPR's free cash flow?
Clipper Realty Inc.'s operating cash flow is $3.6M, with capital expenditures of $11.3M. FCF margin is -20.2%.
How does CLPR compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin -11.1% (avg: 20%), ROE N/A (avg: 8%), current ratio N/A (avg: 1.5).