INVESCO MORTGAGE CAPITAL (IVR) Stock Fundamental Analysis
NYSE:IVR • US46131B7047
8.99 USD
+0.07 (+0.78%)
At close: Feb 12, 2026
8.93 USD
-0.06 (-0.67%)
After Hours: 2/12/2026, 8:04:00 PM
Taking everything into account, IVR scores 3 out of 10 in our fundamental rating. IVR was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. IVR has a medium profitability rating, but doesn't score so well on its financial health evaluation. IVR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year IVR was profitable.
- IVR had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: IVR reported negative net income in multiple years.
- Of the past 5 years IVR 4 years had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 0.58%, IVR is doing good in the industry, outperforming 62.86% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 4.48%, IVR is in line with its industry, outperforming 58.57% of the companies in the same industry.
- IVR's Return On Invested Capital of 0.65% is fine compared to the rest of the industry. IVR outperforms 67.14% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for IVR is in line with the industry average of 1.26%.
- The last Return On Invested Capital (0.65%) for IVR is above the 3 year average (0.47%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 4.48% | ||
| ROIC | 0.65% |
ROA(3y)0.42%
ROA(5y)-1.7%
ROE(3y)3.67%
ROE(5y)-10.06%
ROIC(3y)0.47%
ROIC(5y)0.93%
1.3 Margins
- IVR's Profit Margin of 11.74% is fine compared to the rest of the industry. IVR outperforms 65.71% of its industry peers.
- Looking at the Operating Margin, with a value of 16.72%, IVR is in the better half of the industry, outperforming 65.71% of the companies in the same industry.
- In the last couple of years the Operating Margin of IVR has declined.
- IVR's Gross Margin of 19.14% is on the low side compared to the rest of the industry. IVR is outperformed by 65.71% of its industry peers.
- In the last couple of years the Gross Margin of IVR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.72% | ||
| PM (TTM) | 11.74% | ||
| GM | 19.14% |
OM growth 3Y-29.48%
OM growth 5Y-18.25%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-28.26%
GM growth 5Y-17.09%
2. Health
2.1 Basic Checks
- IVR has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, IVR has more shares outstanding
- Compared to 1 year ago, IVR has a worse debt to assets ratio.
2.2 Solvency
- IVR has an Altman-Z score of -1.72. This is a bad value and indicates that IVR is not financially healthy and even has some risk of bankruptcy.
- IVR has a Altman-Z score of -1.72. This is amonst the worse of the industry: IVR underperforms 98.57% of its industry peers.
- The Debt to FCF ratio of IVR is 32.36, which is on the high side as it means it would take IVR, 32.36 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of IVR (32.36) is better than 84.29% of its industry peers.
- A Debt/Equity ratio of 6.69 is on the high side and indicates that IVR has dependencies on debt financing.
- IVR has a Debt to Equity ratio (6.69) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.69 | ||
| Debt/FCF | 32.36 | ||
| Altman-Z | -1.72 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- IVR has a Current Ratio of 0.02. This is a bad value and indicates that IVR is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.02, IVR is doing worse than 98.57% of the companies in the same industry.
- A Quick Ratio of 0.02 indicates that IVR may have some problems paying its short term obligations.
- With a Quick ratio value of 0.02, IVR is not doing good in the industry: 98.57% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
- IVR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.45%.
- The earnings per share for IVR have been decreasing by -24.34% on average. This is quite bad
- Looking at the last year, IVR shows a small growth in Revenue. The Revenue has grown by 3.05% in the last year.
- IVR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.58% yearly.
EPS 1Y (TTM)-19.45%
EPS 3Y-24.34%
EPS 5YN/A
EPS Q2Q%5.66%
Revenue 1Y (TTM)3.05%
Revenue growth 3Y11.29%
Revenue growth 5Y-0.58%
Sales Q2Q%2.35%
3.2 Future
- The Earnings Per Share is expected to decrease by -0.43% on average over the next years.
- The Revenue is expected to decrease by -0.26% on average over the next years.
EPS Next Y-4.31%
EPS Next 2Y-0.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.33%
Revenue Next 2Y-0.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 3.81 indicates a rather cheap valuation of IVR.
- 98.57% of the companies in the same industry are more expensive than IVR, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.67, IVR is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 3.98, the valuation of IVR can be described as very cheap.
- 98.57% of the companies in the same industry are more expensive than IVR, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, IVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.81 | ||
| Fwd PE | 3.98 |
4.2 Price Multiples
- 95.71% of the companies in the same industry are more expensive than IVR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.43%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 16.40%, IVR is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 12.51, IVR pays a better dividend. On top of this IVR pays more dividend than 88.57% of the companies listed in the same industry.
- IVR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.4% |
5.2 History
- The dividend of IVR decreases each year by -36.18%.
- IVR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-36.18%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 317.17% of the earnings are spent on dividend by IVR. This is not a sustainable payout ratio.
- The Dividend Rate of IVR has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP317.17%
EPS Next 2Y-0.43%
EPS Next 3YN/A
8.99
+0.07 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)05-05 2026-05-05/amc
Inst Owners49.61%
Inst Owner Change0.46%
Ins Owners0.24%
Ins Owner Change-0.38%
Market Cap637.84M
Revenue(TTM)295.29M
Net Income(TTM)34.46M
Analysts52.31
Price Target8.84 (-1.67%)
Short Float %8.97%
Short Ratio2.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.4% |
Yearly Dividend1.91
Dividend Growth(5Y)-36.18%
DP317.17%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-26 2026-01-26 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.41%
Min EPS beat(2)-0.99%
Max EPS beat(2)0.16%
EPS beat(4)2
Avg EPS beat(4)-4.19%
Min EPS beat(4)-26.44%
Max EPS beat(4)10.52%
EPS beat(8)2
Avg EPS beat(8)-11.24%
EPS beat(12)6
Avg EPS beat(12)7.94%
EPS beat(16)10
Avg EPS beat(16)14.9%
Revenue beat(2)1
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-7.24%
Max Revenue beat(2)3.83%
Revenue beat(4)1
Avg Revenue beat(4)-2.94%
Min Revenue beat(4)-7.24%
Max Revenue beat(4)3.83%
Revenue beat(8)4
Avg Revenue beat(8)11.93%
Revenue beat(12)5
Avg Revenue beat(12)9.31%
Revenue beat(16)9
Avg Revenue beat(16)8.95%
PT rev (1m)8.33%
PT rev (3m)9.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.52%
EPS NY rev (1m)1.64%
EPS NY rev (3m)-1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.81 | ||
| Fwd PE | 3.98 | ||
| P/S | 2.17 | ||
| P/FCF | 4.01 | ||
| P/OCF | 4.01 | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.36
EY26.25%
EPS(NY)2.26
Fwd EY25.12%
FCF(TTM)2.24
FCFY24.95%
OCF(TTM)2.24
OCFY24.95%
SpS4.14
BVpS10.85
TBVpS10.85
PEG (NY)N/A
PEG (5Y)N/A
Graham Number24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 4.48% | ||
| ROCE | 6.37% | ||
| ROIC | 0.65% | ||
| ROICexc | 0.66% | ||
| ROICexgc | 0.66% | ||
| OM | 16.72% | ||
| PM (TTM) | 11.74% | ||
| GM | 19.14% | ||
| FCFM | 54.22% |
ROA(3y)0.42%
ROA(5y)-1.7%
ROE(3y)3.67%
ROE(5y)-10.06%
ROIC(3y)0.47%
ROIC(5y)0.93%
ROICexc(3y)0.47%
ROICexc(5y)0.96%
ROICexgc(3y)0.47%
ROICexgc(5y)0.96%
ROCE(3y)4.46%
ROCE(5y)7.73%
ROICexgc growth 3Y-28.21%
ROICexgc growth 5Y-13.97%
ROICexc growth 3Y-28.22%
ROICexc growth 5Y-13.96%
OM growth 3Y-29.48%
OM growth 5Y-18.25%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-28.26%
GM growth 5Y-17.09%
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.69 | ||
| Debt/FCF | 32.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 461.81% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | -1.72 |
F-Score7
WACCN/A
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)-19.45%
EPS 3Y-24.34%
EPS 5YN/A
EPS Q2Q%5.66%
EPS Next Y-4.31%
EPS Next 2Y-0.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.05%
Revenue growth 3Y11.29%
Revenue growth 5Y-0.58%
Sales Q2Q%2.35%
Revenue Next Year1.33%
Revenue Next 2Y-0.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y293.73%
EBIT growth 3Y-21.51%
EBIT growth 5Y-18.72%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.02%
OCF growth 3YN/A
OCF growth 5YN/A
INVESCO MORTGAGE CAPITAL / IVR FAQ
What is the fundamental rating for IVR stock?
ChartMill assigns a fundamental rating of 3 / 10 to IVR.
Can you provide the valuation status for INVESCO MORTGAGE CAPITAL?
ChartMill assigns a valuation rating of 6 / 10 to INVESCO MORTGAGE CAPITAL (IVR). This can be considered as Fairly Valued.
What is the profitability of IVR stock?
INVESCO MORTGAGE CAPITAL (IVR) has a profitability rating of 4 / 10.
What are the PE and PB ratios of INVESCO MORTGAGE CAPITAL (IVR) stock?
The Price/Earnings (PE) ratio for INVESCO MORTGAGE CAPITAL (IVR) is 3.81 and the Price/Book (PB) ratio is 0.83.
What is the earnings growth outlook for INVESCO MORTGAGE CAPITAL?
The Earnings per Share (EPS) of INVESCO MORTGAGE CAPITAL (IVR) is expected to decline by -4.31% in the next year.