MFA FINANCIAL INC (MFA) Fundamental Analysis & Valuation

NYSE:MFA • US55272X6076

Current stock price

10.35 USD
+0.14 (+1.37%)
At close:
10.347 USD
0 (-0.03%)
After Hours:

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

6

1. MFA Profitability Analysis

1.1 Basic Checks

  • In the past year MFA was profitable.
  • In the past year MFA had a positive cash flow from operations.
  • MFA had positive earnings in 4 of the past 5 years.
  • MFA had a positive operating cash flow in each of the past 5 years.
MFA Yearly Net Income VS EBIT VS OCF VS FCFMFA 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 -200M -400M -600M

1.2 Ratios

  • MFA's Return On Assets of 1.04% is fine compared to the rest of the industry. MFA outperforms 69.12% of its industry peers.
  • MFA's Return On Equity of 7.42% is fine compared to the rest of the industry. MFA outperforms 76.47% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.13%, MFA is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for MFA is in line with the industry average of 1.29%.
  • The last Return On Invested Capital (1.13%) for MFA is above the 3 year average (0.84%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.04%
ROE 7.42%
ROIC 1.13%
ROA(3y)0.74%
ROA(5y)0.51%
ROE(3y)4.86%
ROE(5y)2.57%
ROIC(3y)0.84%
ROIC(5y)N/A
MFA Yearly ROA, ROE, ROICMFA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • The Profit Margin of MFA (15.91%) is better than 64.71% of its industry peers.
  • Looking at the Operating Margin, with a value of 21.44%, MFA is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
  • MFA has a better Gross Margin (39.73%) than 76.47% of its industry peers.
Industry RankSector Rank
OM 21.44%
PM (TTM) 15.91%
GM 39.73%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MFA Yearly Profit, Operating, Gross MarginsMFA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MFA Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, MFA has less shares outstanding
  • Compared to 5 years ago, MFA has less shares outstanding
  • MFA has a worse debt/assets ratio than last year.
MFA Yearly Shares OutstandingMFA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
MFA Yearly Total Debt VS Total AssetsMFA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.03, we must say that MFA is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of MFA (-0.03) is better than 67.65% of its industry peers.
  • The Debt to FCF ratio of MFA is 143.49, which is on the high side as it means it would take MFA, 143.49 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 143.49, MFA perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
  • MFA has a Debt/Equity ratio of 5.99. This is a high value indicating a heavy dependency on external financing.
  • MFA's Debt to Equity ratio of 5.99 is in line compared to the rest of the industry. MFA outperforms 48.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Altman-Z -0.03
ROIC/WACCN/A
WACCN/A
MFA Yearly LT Debt VS Equity VS FCFMFA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.16 indicates that MFA should not have too much problems paying its short term obligations.
  • The Current ratio of MFA (1.16) is better than 91.18% of its industry peers.
  • A Quick Ratio of 1.16 indicates that MFA should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.16, MFA belongs to the best of the industry, outperforming 91.18% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
MFA Yearly Current Assets VS Current LiabilitesMFA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

More info and screens

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

5

3. MFA Growth Analysis

3.1 Past

  • The earnings per share for MFA have decreased strongly by -35.48% in the last year.
  • Looking at the last year, MFA shows a very negative growth in Revenue. The Revenue has decreased by -15.10% in the last year.
  • The Revenue has been growing by 36.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
Revenue 1Y (TTM)-15.1%
Revenue growth 3Y70.92%
Revenue growth 5Y36.75%
Sales Q2Q%9.21%

3.2 Future

  • Based on estimates for the next years, MFA will show a very strong growth in Earnings Per Share. The EPS will grow by 22.27% on average per year.
  • Based on estimates for the next years, MFA will show a quite strong growth in Revenue. The Revenue will grow by 13.65% on average per year.
EPS Next Y39.04%
EPS Next 2Y22.78%
EPS Next 3Y22.27%
EPS Next 5YN/A
Revenue Next Year1.69%
Revenue Next 2Y5.77%
Revenue Next 3Y13.65%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
MFA Yearly Revenue VS EstimatesMFA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
MFA Yearly EPS VS EstimatesMFA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2 -4 -6

More info and screens

Find the best growth stocksShow best growing peers

8

4. MFA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.35 indicates a reasonable valuation of MFA.
  • Based on the Price/Earnings ratio, MFA is valued a bit cheaper than 67.65% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.35. MFA is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.44, which indicates a rather cheap valuation of MFA.
  • Based on the Price/Forward Earnings ratio, MFA is valued cheaper than 80.88% of the companies in the same industry.
  • MFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.23.
Industry RankSector Rank
PE 10.35
Fwd PE 7.44
MFA Price Earnings VS Forward Price EarningsMFA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MFA is valued a bit cheaper than 66.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.86
EV/EBITDA N/A
MFA Per share dataMFA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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.
  • The decent profitability rating of MFA may justify a higher PE ratio.
  • A more expensive valuation may be justified as MFA's earnings are expected to grow with 22.27% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y22.78%
EPS Next 3Y22.27%

More info and screens

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

6

5. MFA Dividend Analysis

5.1 Amount

  • MFA has a Yearly Dividend Yield of 14.16%, which is a nice return.
  • MFA's Dividend Yield is a higher than the industry average which is at 12.50.
  • MFA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 14.16%

5.2 History

  • The dividend of MFA is nicely growing with an annual growth rate of 7.85%!
  • MFA has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of MFA decreased in the last 3 years.
Dividend Growth(5Y)7.85%
Div Incr Years1
Div Non Decr Years2
MFA Yearly Dividends per shareMFA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • MFA pays out 138.93% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of MFA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP138.93%
EPS Next 2Y22.78%
EPS Next 3Y22.27%
MFA Yearly Income VS Free CF VS DividendMFA 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 -200M -400M -600M
MFA Dividend Payout.MFA Dividend Payout, showing the Payout Ratio.MFA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MFA Fundamentals: All Metrics, Ratios and Statistics

MFA FINANCIAL INC

NYSE:MFA (4/27/2026, 8:04:00 PM)

After market: 10.347 0 (-0.03%)

10.35

+0.14 (+1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)05-05
Inst Owners54.77%
Inst Owner Change0.03%
Ins Owners1.85%
Ins Owner Change21.79%
Market Cap1.06B
Revenue(TTM)852.78M
Net Income(TTM)135.68M
Analysts72
Price Target11.35 (9.66%)
Short Float %3.35%
Short Ratio2.33
Dividend
Industry RankSector Rank
Dividend Yield 14.16%
Yearly Dividend1.85
Dividend Growth(5Y)7.85%
DP138.93%
Div Incr Years1
Div Non Decr Years2
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.18%
Min EPS beat(2)-27.99%
Max EPS beat(2)-0.37%
EPS beat(4)0
Avg EPS beat(4)-15.08%
Min EPS beat(4)-27.99%
Max EPS beat(4)-0.37%
EPS beat(8)1
Avg EPS beat(8)-8.7%
EPS beat(12)5
Avg EPS beat(12)6.5%
EPS beat(16)6
Avg EPS beat(16)-560.84%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-3.25%
Max Revenue beat(2)3.57%
Revenue beat(4)3
Avg Revenue beat(4)4.93%
Min Revenue beat(4)-3.25%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-3.61%
Revenue beat(12)5
Avg Revenue beat(12)-6.03%
Revenue beat(16)6
Avg Revenue beat(16)-6.55%
PT rev (1m)4.09%
PT rev (3m)7.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)0.98%
EPS NY rev (3m)1.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.24%
Valuation
Industry RankSector Rank
PE 10.35
Fwd PE 7.44
P/S 1.24
P/FCF 13.86
P/OCF 13.86
P/B 0.58
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)1
EY9.66%
EPS(NY)1.39
Fwd EY13.43%
FCF(TTM)0.75
FCFY7.22%
OCF(TTM)0.75
OCFY7.22%
SpS8.35
BVpS17.9
TBVpS17.28
PEG (NY)0.27
PEG (5Y)N/A
Graham Number20.0702 (93.91%)
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 7.42%
ROCE 1.43%
ROIC 1.13%
ROICexc 1.15%
ROICexgc 1.18%
OM 21.44%
PM (TTM) 15.91%
GM 39.73%
FCFM 8.94%
ROA(3y)0.74%
ROA(5y)0.51%
ROE(3y)4.86%
ROE(5y)2.57%
ROIC(3y)0.84%
ROIC(5y)N/A
ROICexc(3y)0.86%
ROICexc(5y)N/A
ROICexgc(3y)0.89%
ROICexgc(5y)N/A
ROCE(3y)1.06%
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 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.36
Cash Conversion N/A
Profit Quality 56.19%
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z -0.03
F-Score6
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)173.02%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
EPS Next Y39.04%
EPS Next 2Y22.78%
EPS Next 3Y22.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-15.1%
Revenue growth 3Y70.92%
Revenue growth 5Y36.75%
Sales Q2Q%9.21%
Revenue Next Year1.69%
Revenue Next 2Y5.77%
Revenue Next 3Y13.65%
Revenue Next 5YN/A
EBIT growth 1Y57.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-61.9%
FCF growth 3Y-40.71%
FCF growth 5Y17.88%
OCF growth 1Y-61.9%
OCF growth 3Y-40.73%
OCF growth 5Y14.7%

MFA FINANCIAL INC / MFA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for MFA FINANCIAL INC?

ChartMill assigns a fundamental rating of 6 / 10 to MFA.


What is the valuation status of MFA FINANCIAL INC (MFA) stock?

ChartMill assigns a valuation rating of 8 / 10 to MFA FINANCIAL INC (MFA). This can be considered as Undervalued.


What is the profitability of MFA stock?

MFA FINANCIAL INC (MFA) has a profitability rating of 6 / 10.


Can you provide the financial health for MFA stock?

The financial health rating of MFA FINANCIAL INC (MFA) is 4 / 10.


How sustainable is the dividend of MFA FINANCIAL INC (MFA) stock?

The dividend rating of MFA FINANCIAL INC (MFA) is 6 / 10 and the dividend payout ratio is 138.93%.