Logo image of EFC

ELLINGTON FINANCIAL INC (EFC) Stock Fundamental Analysis

NYSE:EFC - New York Stock Exchange, Inc. - US28852N1090 - REIT - Currency: USD

12.84  -0.04 (-0.31%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to EFC. EFC was compared to 65 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

EFC had positive earnings in the past year.
EFC had a negative operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

The Return On Assets of EFC (0.74%) is better than 70.77% of its industry peers.
With an excellent Return On Equity value of 7.59%, EFC belongs to the best of the industry, outperforming 90.77% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 7.59%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

EFC has a Profit Margin of 28.48%. This is amongst the best in the industry. EFC outperforms 90.77% of its industry peers.
EFC's Profit Margin has declined in the last couple of years.
With a Gross Margin value of 26.93%, EFC perfoms like the industry average, outperforming 55.38% of the companies in the same industry.
EFC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 28.48%
GM 26.93%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

More info and screens

1

2. Health

2.1 Basic Checks

EFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EFC has been increased compared to 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

EFC has an Altman-Z score of -0.12. This is a bad value and indicates that EFC is not financially healthy and even has some risk of bankruptcy.
EFC has a Altman-Z score (-0.12) which is comparable to the rest of the industry.
EFC has a Debt/Equity ratio of 8.99. This is a high value indicating a heavy dependency on external financing.
EFC's Debt to Equity ratio of 8.99 is on the low side compared to the rest of the industry. EFC is outperformed by 89.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.99
Debt/FCF N/A
Altman-Z -0.12
ROIC/WACCN/A
WACC2.8%
EFC Yearly LT Debt VS Equity VS FCFEFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

EFC has a Current Ratio of 0.17. 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 has a Current ratio of 0.17. This is comparable to the rest of the industry: EFC outperforms 46.15% of its industry peers.
EFC has a Quick Ratio of 0.17. 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 has a Quick ratio (0.17) which is in line with 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

More info and screens

6

3. Growth

3.1 Past

EFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.60%, which is quite impressive.
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 11.93%.
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)24.6%
EPS 3Y-7.42%
EPS 5Y-4.31%
EPS Q2Q%39.29%
Revenue 1Y (TTM)11.93%
Revenue growth 3Y33.33%
Revenue growth 5Y21.07%
Sales Q2Q%39.29%

3.2 Future

EFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.66% yearly.
Based on estimates for the next years, EFC will show a quite strong growth in Revenue. The Revenue will grow by 9.65% on average per year.
EPS Next Y13.34%
EPS Next 2Y8.76%
EPS Next 3Y5.66%
EPS Next 5YN/A
Revenue Next Year25.21%
Revenue Next 2Y18.74%
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.
The Revenue 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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

EFC is valuated reasonably with a Price/Earnings ratio of 8.18.
EFC's Price/Earnings ratio is a bit cheaper when compared to the industry. EFC is cheaper than 78.46% of the companies in the same industry.
EFC is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.43, which indicates a rather cheap valuation of EFC.
Based on the Price/Forward Earnings ratio, EFC is valued a bit cheaper than the industry average as 73.85% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.03. EFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.18
Fwd PE 7.43
EFC Price Earnings VS Forward Price EarningsEFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y8.76%
EPS Next 3Y5.66%

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 12.19%, EFC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.74, EFC pays a bit more dividend than its industry peers.
EFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 12.19%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

135.81% 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.
DP135.81%
EPS Next 2Y8.76%
EPS Next 3Y5.66%
EFC Yearly Income VS Free CF VS DividendEFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M
EFC Dividend Payout.EFC Dividend Payout, showing the Payout Ratio.EFC Dividend Payout.PayoutRetained Earnings

More info and screens

ELLINGTON FINANCIAL INC

NYSE:EFC (6/23/2025, 1:49:07 PM)

12.84

-0.04 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners53.09%
Inst Owner Change-1.45%
Ins Owners2.28%
Ins Owner Change1.2%
Market Cap1.21B
Analysts78.33
Price Target14.57 (13.47%)
Short Float %6.58%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 12.19%
Yearly Dividend1.88
Dividend Growth(5Y)3.65%
DP135.81%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-30 2025-05-30 (0.13)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.17%
Min EPS beat(2)-1.35%
Max EPS beat(2)17.69%
EPS beat(4)2
Avg EPS beat(4)4.43%
Min EPS beat(4)-7.4%
Max EPS beat(4)17.69%
EPS beat(8)2
Avg EPS beat(8)-9.48%
EPS beat(12)4
Avg EPS beat(12)-6.8%
EPS beat(16)5
Avg EPS beat(16)-5.86%
Revenue beat(2)1
Avg Revenue beat(2)-1.15%
Min Revenue beat(2)-8.73%
Max Revenue beat(2)6.42%
Revenue beat(4)1
Avg Revenue beat(4)-11.97%
Min Revenue beat(4)-32.94%
Max Revenue beat(4)6.42%
Revenue beat(8)1
Avg Revenue beat(8)-20.14%
Revenue beat(12)5
Avg Revenue beat(12)24.93%
Revenue beat(16)9
Avg Revenue beat(16)27.46%
PT rev (1m)0.84%
PT rev (3m)1.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.33%
EPS NY rev (1m)0%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.62%
Revenue NY rev (1m)1.47%
Revenue NY rev (3m)3.76%
Valuation
Industry RankSector Rank
PE 8.18
Fwd PE 7.43
P/S 2.82
P/FCF N/A
P/OCF N/A
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.57
EY12.23%
EPS(NY)1.73
Fwd EY13.45%
FCF(TTM)-5.26
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS4.55
BVpS17.08
TBVpS17.06
PEG (NY)0.61
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 7.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.48%
GM 26.93%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 8.99
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 -0.12
F-Score5
WACC2.8%
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)24.6%
EPS 3Y-7.42%
EPS 5Y-4.31%
EPS Q2Q%39.29%
EPS Next Y13.34%
EPS Next 2Y8.76%
EPS Next 3Y5.66%
EPS Next 5YN/A
Revenue 1Y (TTM)11.93%
Revenue growth 3Y33.33%
Revenue growth 5Y21.07%
Sales Q2Q%39.29%
Revenue Next Year25.21%
Revenue Next 2Y18.74%
Revenue Next 3Y9.65%
Revenue Next 5YN/A
EBIT growth 1Y40.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1172.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1178.83%
OCF growth 3YN/A
OCF growth 5YN/A