IVRHIGH SIGNALFINANCIAL10-K

Invesco Mortgage Capital underwent significant balance sheet expansion with a 342% surge in interest expense while dramatically increasing outstanding shares from 61.7M to 83.3M.

The company appears to have executed a major capital raise and leveraging strategy, evidenced by the 35% increase in outstanding shares and substantial debt growth. Despite the massive 342% jump in interest expense, net income still grew 69%, suggesting the additional leverage is generating positive returns, though this creates elevated interest rate risk exposure.

Comparing 2026-02-23 vs 2025-02-20View on EDGAR →
FINANCIAL ANALYSIS

IVR's financials reflect aggressive balance sheet expansion with total debt rising 26% to $19.2B and total assets growing 14% to $6.5B, while interest expense skyrocketed 342% to $228.2M. Despite the dramatic increase in financing costs, net income surged 69% to $101.3M, indicating the leveraged strategy is currently profitable. However, operating cash flow declined 14% and cash reserves dropped 24%, suggesting tighter liquidity management amid this expansion phase.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+342.6%
$51.6M$228.2M

Interest expense surged 342.6% — significant debt increase or rising rates materially impacting earnings.

Net Income
P&L
+69.1%
$59.9M$101.3M

Net income grew 69.1% — bottom-line growth signals improving overall business health.

Total Debt
Balance Sheet
+25.8%
$15.3B$19.2B

Debt rose 25.8% — additional borrowing for investment or operations; monitor coverage ratios.

Cash & Equivalents
Balance Sheet
-23.7%
$73.4M$56.0M

Cash decreased 23.7% — monitor burn rate and upcoming capital needs.

Total Liabilities
Balance Sheet
+14.5%
$5.0B$5.7B

Liabilities increased 14.5% — monitor debt-to-equity ratio and interest coverage.

Operating Cash Flow
Cash Flow
-14.2%
$183.2M$157.1M

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

Total Assets
Balance Sheet
+13.9%
$5.7B$6.5B

Asset base grew 13.9% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-23
PRIOR — 2025-02-20
ADDED
As of February 20, 2026, there were 83,270,532 outstanding shares of common stock of Invesco Mortgage Capital Inc.
Risk Factor Summary Risks Related to Our Investment and Portfolio Management Activities There could be adverse impacts to our income, book value and dividends resulting from fluctuations in interest rates.
Interest rate volatility represents significant risks to our business.
Our active portfolio management strategy may expose us to greater losses and lower returns.
Federal Reserve s, GSEs or FDIC s participation in the Agency RMBS market could have an adverse effect on our Agency RMBS investments.
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REMOVED
As of February 18, 2025, there were 61,729,693 outstanding shares of common stock of Invesco Mortgage Capital Inc.
government agency such as Ginnie Mae or a federally chartered corporation such as Freddie Mac or Fannie Mae (collectively Agency CMBS ); CMBS that are not guaranteed by a U.S.
government agency or a federally chartered corporation ( non-Agency RMBS ).
Substantially all of our investments as of December 31, 2024 were in Agency MBS.
During the periods presented in this Report, we also invested in: to-be-announced securities forward contracts ( TBAs ) to purchase Agency RMBS; a commercial mortgage loan; real estate-related financing arrangements in the form of unconsolidated ventures; and U.S.
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