ELLINGTON FINANCIAL INC (EFC) Fundamental Analysis & Valuation

NYSE:EFC • US28852N1090

Current stock price

11.46 USD
+0.16 (+1.42%)
Last:

This EFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. EFC Profitability Analysis

1.1 Basic Checks

  • EFC had positive earnings in the past year.
  • In the past year EFC has reported a negative cash flow from operations.
  • Of the past 5 years EFC 4 years were profitable.
  • 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 2025 0 -200M -400M -600M -800M

1.2 Ratios

  • With a Return On Assets value of 0.61%, EFC perfoms like the industry average, outperforming 45.59% of the companies in the same industry.
  • EFC has a Return On Equity of 6.47%. This is in the better half of the industry: EFC outperforms 60.29% of its industry peers.
Industry RankSector Rank
ROA 0.61%
ROE 6.47%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.71%
ROE(3y)6%
ROE(5y)4.11%
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 2025 0 5 -5

1.3 Margins

  • With a decent Profit Margin value of 24.01%, EFC is doing good in the industry, outperforming 73.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of EFC has grown nicely.
  • EFC has a worse Gross Margin (29.10%) than 66.18% 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) 24.01%
GM 29.1%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y19.36%
GM growth 3Y-10.27%
GM growth 5Y-12.15%
EFC Yearly Profit, Operating, Gross MarginsEFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. EFC Health Analysis

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.
  • The number of shares outstanding for EFC has been increased compared to 5 years ago.
  • EFC has a worse debt/assets ratio than last year.
EFC Yearly Shares OutstandingEFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
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 2025 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of -0.06, we must say that EFC is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.06, EFC is in the better half of the industry, outperforming 63.24% of the companies in the same industry.
  • EFC has a Debt/Equity ratio of 9.25. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of EFC (9.25) is worse than 82.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.25
Debt/FCF N/A
Altman-Z -0.06
ROIC/WACCN/A
WACC2.97%
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 2025 0 5B 10B 15B

2.3 Liquidity

  • A Current Ratio of 0.21 indicates that EFC may have some problems paying its short term obligations.
  • The Current ratio of EFC (0.21) is better than 63.24% of its industry peers.
  • EFC has a Quick Ratio of 0.21. This is a bad value and indicates that EFC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • EFC's Quick ratio of 0.21 is fine compared to the rest of the industry. EFC outperforms 63.24% of its industry peers.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
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 2025 1B 2B 3B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. EFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.40% over the past year.
  • Measured over the past 5 years, EFC shows a small growth in Earnings Per Share. The EPS has been growing by 2.68% on average per year.
  • EFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.86%.
  • Measured over the past years, EFC shows a very strong growth in Revenue. The Revenue has been growing by 23.30% on average per year.
EPS 1Y (TTM)27.4%
EPS 3Y3.66%
EPS 5Y2.68%
EPS Q2Q%4.44%
Revenue 1Y (TTM)18.86%
Revenue growth 3Y20.56%
Revenue growth 5Y23.3%
Sales Q2Q%40.67%

3.2 Future

  • EFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.00% yearly.
  • The Revenue is expected to grow by 33.01% on average over the next years. This is a very strong growth
EPS Next Y0.64%
EPS Next 2Y2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.68%
Revenue Next 2Y33.01%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. EFC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.16 indicates a rather cheap valuation of EFC.
  • Based on the Price/Earnings ratio, EFC is valued cheaper than 92.65% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, EFC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.12, the valuation of EFC can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, EFC is valued cheaply inside the industry as 89.71% of the companies are valued more expensively.
  • EFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.16
Fwd PE 6.12
EFC Price Earnings VS Forward Price EarningsEFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)9.66
PEG (5Y)2.3
EPS Next 2Y2%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. EFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.28%, EFC is a good candidate for dividend investing.
  • EFC's Dividend Yield is comparable with the industry average which is at 11.97.
  • Compared to an average S&P500 Dividend Yield of 1.89, EFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.28%

5.2 History

  • The dividend of EFC has a limited annual growth rate of 2.84%.
  • EFC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)2.84%
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

  • EFC pays out 154.64% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of EFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP154.64%
EPS Next 2Y2%
EPS Next 3YN/A
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 2025 0 -200M -400M -600M -800M
EFC Dividend Payout.EFC Dividend Payout, showing the Payout Ratio.EFC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

EFC Fundamentals: All Metrics, Ratios and Statistics

ELLINGTON FINANCIAL INC

NYSE:EFC (3/23/2026, 10:55:10 AM)

11.46

+0.16 (+1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners46.04%
Inst Owner Change5.49%
Ins Owners1.71%
Ins Owner Change1.07%
Market Cap1.43B
Revenue(TTM)494.49M
Net Income(TTM)118.74M
Analysts80
Price Target14.92 (30.19%)
Short Float %3.4%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 13.28%
Yearly Dividend1.8
Dividend Growth(5Y)2.84%
DP154.64%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.56%
Min EPS beat(2)3.41%
Max EPS beat(2)19.72%
EPS beat(4)3
Avg EPS beat(4)9.63%
Min EPS beat(4)-1.35%
Max EPS beat(4)19.72%
EPS beat(8)5
Avg EPS beat(8)4.33%
EPS beat(12)6
Avg EPS beat(12)-2.71%
EPS beat(16)7
Avg EPS beat(16)-3.33%
Revenue beat(2)2
Avg Revenue beat(2)7.87%
Min Revenue beat(2)5.83%
Max Revenue beat(2)9.91%
Revenue beat(4)4
Avg Revenue beat(4)5.75%
Min Revenue beat(4)0.84%
Max Revenue beat(4)9.91%
Revenue beat(8)4
Avg Revenue beat(8)-4.52%
Revenue beat(12)5
Avg Revenue beat(12)-2.42%
Revenue beat(16)9
Avg Revenue beat(16)22.33%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.49%
EPS NQ rev (3m)-2.5%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)11.25%
Revenue NQ rev (3m)11.25%
Revenue NY rev (1m)13.66%
Revenue NY rev (3m)13.66%
Valuation
Industry RankSector Rank
PE 6.16
Fwd PE 6.12
P/S 2.89
P/FCF N/A
P/OCF N/A
P/B 0.78
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)1.86
EY16.23%
EPS(NY)1.87
Fwd EY16.33%
FCF(TTM)-7.42
FCFYN/A
OCF(TTM)-7.42
OCFYN/A
SpS3.97
BVpS14.72
TBVpS14.7
PEG (NY)9.66
PEG (5Y)2.3
Graham Number24.82
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 6.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.01%
GM 29.1%
FCFM N/A
ROA(3y)0.58%
ROA(5y)0.71%
ROE(3y)6%
ROE(5y)4.11%
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 3YN/A
PM growth 5Y19.36%
GM growth 3Y-10.27%
GM growth 5Y-12.15%
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 9.25
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 0.21
Quick Ratio 0.21
Altman-Z -0.06
F-Score4
WACC2.97%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.4%
EPS 3Y3.66%
EPS 5Y2.68%
EPS Q2Q%4.44%
EPS Next Y0.64%
EPS Next 2Y2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.86%
Revenue growth 3Y20.56%
Revenue growth 5Y23.3%
Sales Q2Q%40.67%
Revenue Next Year23.68%
Revenue Next 2Y33.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y8.48%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-114.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-114.96%
OCF growth 3YN/A
OCF growth 5YN/A

ELLINGTON FINANCIAL INC / EFC Fundamental Analysis 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 5 / 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 6.16 and the Price/Book (PB) ratio is 0.78.


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 0.64% in the next year.