ELLINGTON FINANCIAL INC (EFC) Stock Fundamental Analysis

NYSE:EFC • US28852N1090

12.62 USD
+0.1 (+0.8%)
Last: Feb 26, 2026, 09:58 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, EFC scores 3 out of 10 in our fundamental rating. EFC was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. EFC has a bad profitability rating. Also its financial health evaluation is rather negative. EFC has a valuation in line with the averages, but it does not seem to be growing.


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.
  • The reported net income has been mixed in the past 5 years: EFC reported negative net income in multiple 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 Return On Assets of 0.71%. This is in the better half of the industry: EFC outperforms 75.36% of its industry peers.
  • EFC has a Return On Equity of 7.16%. This is amongst the best in the industry. EFC outperforms 89.86% 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 89.86% 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 49.28% of its industry peers.
  • EFC's Gross Margin has declined in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • Based on the Altman-Z score of -0.08, we must say that EFC is in the distress zone and has some risk of bankruptcy.
  • EFC's Altman-Z score of -0.08 is in line compared to the rest of the industry. EFC outperforms 55.07% of its industry peers.
  • A Debt/Equity ratio of 8.82 is on the high side and indicates that EFC has dependencies on debt financing.
  • EFC has a Debt to Equity ratio of 8.82. This is amonst the worse of the industry: EFC underperforms 88.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.82
Debt/FCF N/A
Altman-Z -0.08
ROIC/WACCN/A
WACC3.07%
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 has a Current ratio of 0.17. This is comparable to the rest of the industry: EFC outperforms 55.07% of its industry peers.
  • A Quick Ratio of 0.17 indicates that EFC may have some problems paying its short term obligations.
  • EFC has a Quick ratio (0.17) which is comparable to the rest of the industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

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.
EPS 1Y (TTM)27.4%
EPS 3Y3.66%
EPS 5Y2.68%
EPS Q2Q%4.44%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%40.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.84% on average over the next years.
  • Based on estimates for the next years, EFC will show a small growth in Revenue. The Revenue will grow by 0.77% on average per year.
EPS Next Y0.91%
EPS Next 2Y0.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.81%
Revenue Next 2Y0.77%
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.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • EFC is valuated cheaply with a Price/Earnings ratio of 6.78.
  • 88.41% of the companies in the same industry are more expensive than EFC, based on the Price/Earnings ratio.
  • EFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
  • EFC is valuated cheaply with a Price/Forward Earnings ratio of 6.72.
  • Based on the Price/Forward Earnings ratio, EFC is valued cheaply inside the industry as 85.51% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. EFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.78
Fwd PE 6.72
EFC Price Earnings VS Forward Price EarningsEFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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)7.46
PEG (5Y)2.54
EPS Next 2Y0.84%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • EFC has a Yearly Dividend Yield of 12.52%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.25, EFC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, EFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 12.52%

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.
  • The dividend of EFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP139.54%
EPS Next 2Y0.84%
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 0 -200M -400M
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

ELLINGTON FINANCIAL INC

NYSE:EFC (2/26/2026, 9:58:09 AM)

12.62

+0.1 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners51.28%
Inst Owner Change5.49%
Ins Owners2.01%
Ins Owner Change1.07%
Market Cap1.59B
Revenue(TTM)N/A
Net Income(TTM)126.47M
Analysts80
Price Target14.92 (18.23%)
Short Float %3.75%
Short Ratio2.27
Dividend
Industry RankSector Rank
Dividend Yield 12.52%
Yearly Dividend1.88
Dividend Growth(5Y)3.65%
DP139.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.32%
EPS NY rev (1m)-2.53%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.78
Fwd PE 6.72
P/S 3.45
P/FCF N/A
P/OCF N/A
P/B 0.9
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)1.86
EY14.74%
EPS(NY)1.88
Fwd EY14.87%
FCF(TTM)-6.1
FCFYN/A
OCF(TTM)-6.1
OCFYN/A
SpS3.66
BVpS14.02
TBVpS14
PEG (NY)7.46
PEG (5Y)2.54
Graham Number24.22
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 -0.08
F-Score4
WACC3.07%
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)27.4%
EPS 3Y3.66%
EPS 5Y2.68%
EPS Q2Q%4.44%
EPS Next Y0.91%
EPS Next 2Y0.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%40.68%
Revenue Next Year8.81%
Revenue Next 2Y0.77%
Revenue Next 3YN/A
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 6.78 and the Price/Book (PB) ratio is 0.9.


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 0.91% in the next year.