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InPoint Commercial Real Estate Income cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.1M in Q3 2026 · $10.8M over twelve months

Operating cash flow$4.1M
Free cash flow+$4.1M
Cash / net income0.7×

Analysis

In Q3 2026, InPoint Commercial Real Estate Income generated $4.1M of operating cash flow. That is $1.2M more than in Q3 2025 ($2.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $10.8M; the largest uses were other financing ($46.4M), dividends ($12.6M); besides operations, cash came from other investing ($11.4M); the cash balance fell by $36.8M.

Operating cash flow was $4.1M against net income of $5.5M — 0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization +$2.5M, accrued liabilities +$2.3M, prepaid and other assets −$866K.

Free cash flow

InPoint Commercial Real Estate Income: free cash flow by quarterInPoint Commercial Real Estate Income: free cash flow by quarter$4.6MQ4 2024$2.8MQ1 2025$3.2MQ2 2025$2.9MQ3 2025$2.5MQ4 2025$2.0MQ1 2026$2.3MQ2 2026$4.1MQ3 2026
Operating cash flow less capital spending.
InPoint Commercial Real Estate Income: operating cash flow against capital spendingInPoint Commercial Real Estate Income: operating cash flow against capital spendingOperating cash flowCapital spending$4.6M$0Q4 2024$2.8M$0Q1 2025$3.2M$0Q2 2025$2.9M$0Q3 2025$2.5M$0Q4 2025$2.0M$0Q1 2026$2.3M$0Q2 2026$4.1M$0Q3 2026
Latest (Q3 2026): Operating cash flow $4.1M, Capital spending $0.

Capital allocation, year by year

InPoint Commercial Real Estate Income: where the cash came from (up) and went (down), by fiscal yearInPoint Commercial Real Estate Income: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesBuybacksDividendsFY2021: Operating cash flow $11.6MFY2021: Net borrowing $14.3MFY2021: Shares issued $90.2MFY2021: Buybacks −$14.3MFY2021: Dividends −$12.4M$116MFY2021FY2022: Operating cash flow $18.5MFY2022: Net borrowing $4.0MFY2022: Shares issued $4.5MFY2022: Buybacks −$22.4MFY2022: Dividends −$12.4M$27.1MFY2022FY2023: Operating cash flow $16.2MFY2023: Net borrowing −$8.9MFY2023: Shares issued $342KFY2023: Asset sales $11.9MFY2023: Dividends −$12.5M$28.5MFY2023FY2024: Operating cash flow $18.0MFY2024: Net borrowing −$9.5MFY2024: Dividends −$12.6M$18.0MFY2024FY2025: Operating cash flow $11.4MFY2025: Dividends −$12.6M$11.4MFY2025
Over these 5 years operating cash flow totalled $75.7M; the largest uses were dividends ($62.6M) and buybacks ($36.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$33.8M
Debtnone
Net cash$33.8M

InPoint Commercial Real Estate Income funds itself: free cash flow was $10.8M over the last twelve months, with $33.8M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

InPoint Commercial Real Estate Income: sources (+) and uses (−) of cash, Q3 2026InPoint Commercial Real Estate Income: sources (+) and uses (−) of cash, Q3 2026Other investing−$40.4MOther financing$20.3MCash drawn (+) / kept (−)$19.1MOperating cash flow$4.1MDividends−$3.2M
InPoint Commercial Real Estate Income: sources (+) and uses (−) of cash, TTM to Q3 2026InPoint Commercial Real Estate Income: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$46.4MCash drawn (+) / kept (−)$36.8MDividends−$12.6MOther investing$11.4MOperating cash flow$10.8M

From profit to cash

InPoint Commercial Real Estate Income: net income to operating cash flow, Q3 2026InPoint Commercial Real Estate Income: net income to operating cash flow, Q3 2026Net income$5.5MDepreciation & amortization$2.5MAccrued liabilities$2.3MPrepaid and other assets−$866KOperating cash flow$4.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$4.1M−$3.2M$19.1M$4.1M
Q2 2026$2.3M−$3.2M$26.4M$2.3M
Q1 2026$2.0M−$3.2M−$3.5M$2.0M
Q4 2025$2.5M−$3.2M−$5.2M$2.5M
Q3 2025$2.9M−$3.2M−$46.8M$2.9M
Q2 2025$3.2M−$3.1M$32.1M$3.2M
Q1 2025$2.8M−$3.2M$5.4M$2.8M
Q4 2024$4.6M−$3.2M−$5.7M$4.6M

InPoint Commercial Real Estate Income: income statement and cash flow

InPoint Commercial Real Estate Income, Q3 2026: revenue $6.2M (+18% year over year), operating margin 89.4%. The chart follows the revenue to costs, profit and cash.

InPoint Commercial Real Estate Income: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.