ELLINGTON FINANCIAL INC (EFC) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:EFC • US28852N1090

12.405 USD
-0.26 (-2.01%)
Last: Feb 3, 2026, 01:39 PM
Fundamental Rating

4

EFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. EFC may be in some trouble as it scores bad on both profitability and health. EFC is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year EFC was profitable.
  • EFC had a negative operating cash flow in the past year.
  • EFC had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: EFC reported negative operating cash flow in multiple years.
EFC Yearly Net Income VS EBIT VS OCF VS FCFEFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M

1.2 Ratios

  • EFC has a better Return On Assets (0.71%) than 77.14% of its industry peers.
  • EFC has a better Return On Equity (7.16%) than 91.43% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 7.16%
ROIC N/A
ROA(3y)0.17%
ROA(5y)0.69%
ROE(3y)1.46%
ROE(5y)3.21%
ROIC(3y)N/A
ROIC(5y)N/A
EFC Yearly ROA, ROE, ROICEFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

  • EFC has a Profit Margin of 27.44%. This is amongst the best in the industry. EFC outperforms 91.43% of its industry peers.
  • In the last couple of years the Profit Margin of EFC has declined.
  • EFC has a Gross Margin of 30.27%. This is comparable to the rest of the industry: EFC outperforms 54.29% of its industry peers.
  • In the last couple of years the Gross Margin of EFC has declined.
Industry RankSector Rank
OM N/A
PM (TTM) 27.44%
GM 30.27%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.52%
PM growth 5Y-4.33%
GM growth 3Y-22.86%
GM growth 5Y-10.27%
EFC Yearly Profit, Operating, Gross MarginsEFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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1

2. Health

2.1 Basic Checks

  • EFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EFC has more shares outstanding than it did 1 year ago.
  • EFC has more shares outstanding than it did 5 years ago.
  • EFC has about the same debt/assets ratio as last year.
EFC Yearly Shares OutstandingEFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
EFC Yearly Total Debt VS Total AssetsEFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • EFC has an Altman-Z score of -0.09. This is a bad value and indicates that EFC is not financially healthy and even has some risk of bankruptcy.
  • EFC's Altman-Z score of -0.09 is in line compared to the rest of the industry. EFC outperforms 50.00% of its industry peers.
  • EFC has a Debt/Equity ratio of 8.82. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 8.82, EFC is not doing good in the industry: 88.57% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 8.82
Debt/FCF N/A
Altman-Z -0.09
ROIC/WACCN/A
WACC2.91%
EFC Yearly LT Debt VS Equity VS FCFEFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.17 indicates that EFC may have some problems paying its short term obligations.
  • EFC's Current ratio of 0.17 is in line compared to the rest of the industry. EFC outperforms 54.29% of its industry peers.
  • A Quick Ratio of 0.17 indicates that EFC may have some problems paying its short term obligations.
  • EFC's Quick ratio of 0.17 is in line compared to the rest of the industry. EFC outperforms 54.29% of its industry peers.
Industry RankSector Rank
Current Ratio 0.17
Quick Ratio 0.17
EFC Yearly Current Assets VS Current LiabilitesEFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 43.75% over the past year.
  • The Earnings Per Share has been decreasing by -4.31% on average over the past years.
  • EFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.99%.
  • Measured over the past years, EFC shows a very strong growth in Revenue. The Revenue has been growing by 21.07% on average per year.
EPS 1Y (TTM)43.75%
EPS 3Y-7.42%
EPS 5Y-4.31%
EPS Q2Q%32.5%
Revenue 1Y (TTM)12.99%
Revenue growth 3Y33.33%
Revenue growth 5Y21.07%
Sales Q2Q%47.86%

3.2 Future

  • Based on estimates for the next years, EFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.01% on average per year.
  • EFC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.65% yearly.
EPS Next Y26.94%
EPS Next 2Y13.38%
EPS Next 3Y9.01%
EPS Next 5YN/A
Revenue Next Year29.83%
Revenue Next 2Y18.85%
Revenue Next 3Y9.65%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
EFC Yearly Revenue VS EstimatesEFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
EFC Yearly EPS VS EstimatesEFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.74, the valuation of EFC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of EFC indicates a rather cheap valuation: EFC is cheaper than 88.57% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.41, EFC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.61, the valuation of EFC can be described as very cheap.
  • 87.14% of the companies in the same industry are more expensive than EFC, based on the Price/Forward Earnings ratio.
  • EFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
Industry RankSector Rank
PE 6.74
Fwd PE 6.61
EFC Price Earnings VS Forward Price EarningsEFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
EFC Per share dataEFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 15

4.3 Compensation for Growth

  • EFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y13.38%
EPS Next 3Y9.01%

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5

5. Dividend

5.1 Amount

  • EFC has a Yearly Dividend Yield of 11.56%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.04, EFC has a dividend in line with its industry peers.
  • EFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 11.56%

5.2 History

  • The dividend of EFC has a limited annual growth rate of 3.65%.
  • EFC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)3.65%
Div Incr Years0
Div Non Decr Years0
EFC Yearly Dividends per shareEFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 139.54% of the earnings are spent on dividend by EFC. This is not a sustainable payout ratio.
  • EFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP139.54%
EPS Next 2Y13.38%
EPS Next 3Y9.01%
EFC Yearly Income VS Free CF VS DividendEFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M
EFC Dividend Payout.EFC Dividend Payout, showing the Payout Ratio.EFC Dividend Payout.PayoutRetained Earnings

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ELLINGTON FINANCIAL INC

NYSE:EFC (2/3/2026, 1:39:01 PM)

12.405

-0.26 (-2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-05
Earnings (Next)02-12
Inst Owners51.28%
Inst Owner Change0.39%
Ins Owners2.01%
Ins Owner Change1.07%
Market Cap1.33B
Revenue(TTM)460.97M
Net Income(TTM)126.47M
Analysts80
Price Target14.92 (20.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 11.56%
Yearly Dividend1.88
Dividend Growth(5Y)3.65%
DP139.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-30
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.24%
Min EPS beat(2)16.75%
Max EPS beat(2)19.72%
EPS beat(4)3
Avg EPS beat(4)13.2%
Min EPS beat(4)-1.35%
Max EPS beat(4)19.72%
EPS beat(8)4
Avg EPS beat(8)-0.24%
EPS beat(12)5
Avg EPS beat(12)-3.54%
EPS beat(16)6
Avg EPS beat(16)-3.95%
Revenue beat(2)2
Avg Revenue beat(2)3.34%
Min Revenue beat(2)0.84%
Max Revenue beat(2)5.83%
Revenue beat(4)3
Avg Revenue beat(4)1.09%
Min Revenue beat(4)-8.73%
Max Revenue beat(4)6.42%
Revenue beat(8)3
Avg Revenue beat(8)-10.14%
Revenue beat(12)5
Avg Revenue beat(12)9.77%
Revenue beat(16)9
Avg Revenue beat(16)24.4%
PT rev (1m)0%
PT rev (3m)0.43%
EPS NQ rev (1m)-1.82%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)1.2%
EPS NY rev (3m)5.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.36%
Valuation
Industry RankSector Rank
PE 6.74
Fwd PE 6.61
P/S 2.89
P/FCF N/A
P/OCF N/A
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.84
EY14.83%
EPS(NY)1.88
Fwd EY15.13%
FCF(TTM)-7.16
FCFYN/A
OCF(TTM)-7.16
OCFYN/A
SpS4.3
BVpS16.45
TBVpS16.44
PEG (NY)0.25
PEG (5Y)N/A
Graham Number26.1
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 7.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.44%
GM 30.27%
FCFM N/A
ROA(3y)0.17%
ROA(5y)0.69%
ROE(3y)1.46%
ROE(5y)3.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.52%
PM growth 5Y-4.33%
GM growth 3Y-22.86%
GM growth 5Y-10.27%
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 8.82
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.17
Quick Ratio 0.17
Altman-Z -0.09
F-Score4
WACC2.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.03%
Cap/Sales(5y)0.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)43.75%
EPS 3Y-7.42%
EPS 5Y-4.31%
EPS Q2Q%32.5%
EPS Next Y26.94%
EPS Next 2Y13.38%
EPS Next 3Y9.01%
EPS Next 5YN/A
Revenue 1Y (TTM)12.99%
Revenue growth 3Y33.33%
Revenue growth 5Y21.07%
Sales Q2Q%47.86%
Revenue Next Year29.83%
Revenue Next 2Y18.85%
Revenue Next 3Y9.65%
Revenue Next 5YN/A
EBIT growth 1Y45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-303.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-303.43%
OCF growth 3YN/A
OCF growth 5YN/A

ELLINGTON FINANCIAL INC / EFC FAQ

What is the ChartMill fundamental rating of ELLINGTON FINANCIAL INC (EFC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to EFC.


Can you provide the valuation status for ELLINGTON FINANCIAL INC?

ChartMill assigns a valuation rating of 6 / 10 to ELLINGTON FINANCIAL INC (EFC). This can be considered as Fairly Valued.


What is the profitability of EFC stock?

ELLINGTON FINANCIAL INC (EFC) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for EFC stock?

The Price/Earnings (PE) ratio for ELLINGTON FINANCIAL INC (EFC) is 6.74 and the Price/Book (PB) ratio is 0.75.


What is the expected EPS growth for ELLINGTON FINANCIAL INC (EFC) stock?

The Earnings per Share (EPS) of ELLINGTON FINANCIAL INC (EFC) is expected to grow by 26.94% in the next year.