MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MFAN • US55272X7066

25.12 USD
+0.02 (+0.08%)
Last: Feb 2, 2026, 08:22 PM
Fundamental Rating

3

Taking everything into account, MFAN scores 3 out of 10 in our fundamental rating. MFAN was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MFAN has a medium profitability rating, but doesn't score so well on its financial health evaluation. MFAN is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year MFAN was profitable.
  • In the past year MFAN had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: MFAN reported negative net income in multiple years.
  • In the past 5 years MFAN always reported a positive cash flow from operatings.
MFAN Yearly Net Income VS EBIT VS OCF VS FCFMFAN 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 -200M -400M -600M

1.2 Ratios

  • MFAN has a better Return On Assets (0.74%) than 80.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.93%, MFAN is in the better half of the industry, outperforming 62.86% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.88%, MFAN is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 4.93%
ROIC 0.88%
ROA(3y)-0.57%
ROA(5y)-1.74%
ROE(3y)-2.06%
ROE(5y)-4.53%
ROIC(3y)N/A
ROIC(5y)N/A
MFAN Yearly ROA, ROE, ROICMFAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • MFAN has a better Profit Margin (11.27%) than 62.86% of its industry peers.
  • In the last couple of years the Profit Margin of MFAN has declined.
  • With a decent Operating Margin value of 16.20%, MFAN is doing good in the industry, outperforming 61.43% of the companies in the same industry.
  • In the last couple of years the Operating Margin of MFAN has declined.
  • The Gross Margin of MFAN (36.50%) is better than 74.29% of its industry peers.
  • In the last couple of years the Gross Margin of MFAN has declined.
Industry RankSector Rank
OM 16.2%
PM (TTM) 11.27%
GM 36.5%
OM growth 3Y-36.21%
OM growth 5Y-20.95%
PM growth 3Y-45.5%
PM growth 5Y-24.97%
GM growth 3Y-21.52%
GM growth 5Y-9.69%
MFAN Yearly Profit, Operating, Gross MarginsMFAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

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3

2. Health

2.1 Basic Checks

  • MFAN has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, MFAN has less shares outstanding
  • The debt/assets ratio for MFAN is higher compared to a year ago.
MFAN Yearly Shares OutstandingMFAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
MFAN Yearly Total Debt VS Total AssetsMFAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • MFAN has an Altman-Z score of 0.03. This is a bad value and indicates that MFAN is not financially healthy and even has some risk of bankruptcy.
  • MFAN's Altman-Z score of 0.03 is fine compared to the rest of the industry. MFAN outperforms 62.86% of its industry peers.
  • MFAN has a debt to FCF ratio of 65.58. This is a negative value and a sign of low solvency as MFAN would need 65.58 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 65.58, MFAN is doing good in the industry, outperforming 75.71% of the companies in the same industry.
  • A Debt/Equity ratio of 5.40 is on the high side and indicates that MFAN has dependencies on debt financing.
  • With a Debt to Equity ratio value of 5.40, MFAN perfoms like the industry average, outperforming 48.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF 65.58
Altman-Z 0.03
ROIC/WACCN/A
WACCN/A
MFAN Yearly LT Debt VS Equity VS FCFMFAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

  • MFAN has a Current Ratio of 0.95. This is a bad value and indicates that MFAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.95, MFAN is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • MFAN has a Quick Ratio of 0.95. This is a bad value and indicates that MFAN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • MFAN has a better Quick ratio (0.95) than 70.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.95
Quick Ratio 0.95
MFAN Yearly Current Assets VS Current LiabilitesMFAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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3

3. Growth

3.1 Past

  • The earnings per share for MFAN have decreased strongly by -32.12% in the last year.
  • The earnings per share for MFAN have been decreasing by -13.50% on average. This is quite bad
  • Looking at the last year, MFAN shows a very negative growth in Revenue. The Revenue has decreased by -24.03% in the last year.
  • The Revenue has been decreasing by -0.04% on average over the past years.
EPS 1Y (TTM)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
Revenue 1Y (TTM)-24.03%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%

3.2 Future

  • MFAN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.32% yearly.
  • The Revenue is expected to grow by 12.28% on average over the next years. This is quite good.
EPS Next Y-32.02%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
EPS Next 5YN/A
Revenue Next Year16.21%
Revenue Next 2Y6.56%
Revenue Next 3Y12.28%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
MFAN Yearly Revenue VS EstimatesMFAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
MFAN Yearly EPS VS EstimatesMFAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4 -6

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2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.43, the valuation of MFAN can be described as rather expensive.
  • MFAN's Price/Earnings ratio is in line with the industry average.
  • MFAN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.41.
  • A Price/Forward Earnings ratio of 18.31 indicates a rather expensive valuation of MFAN.
  • 64.29% of the companies in the same industry are cheaper than MFAN, based on the Price/Forward Earnings ratio.
  • MFAN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.64, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.43
Fwd PE 18.31
MFAN Price Earnings VS Forward Price EarningsMFAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFAN is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 17.11
EV/EBITDA N/A
MFAN Per share dataMFAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%

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3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.69%, MFAN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 11.04, MFAN is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, MFAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.69%

5.2 History

  • The dividend of MFAN decreases each year by -12.34%.
  • MFAN has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-12.34%
Div Incr Years0
Div Non Decr Years0
MFAN Yearly Dividends per shareMFAN Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 205.55% of the earnings are spent on dividend by MFAN. This is not a sustainable payout ratio.
  • MFAN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP205.55%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
MFAN Yearly Income VS Free CF VS DividendMFAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M -600M
MFAN Dividend Payout.MFAN Dividend Payout, showing the Payout Ratio.MFAN Dividend Payout.PayoutRetained Earnings

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MFA FINANCIAL INC - MFA 8 7/8 02/15/29

NYSE:MFAN (2/2/2026, 8:22:24 PM)

25.12

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)02-18
Inst Owners55.51%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap2.57B
Revenue(TTM)797.68M
Net Income(TTM)89.86M
Analysts72
Price Target27.54 (9.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.69%
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP205.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-30
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-24.83%
Min EPS beat(2)-27.99%
Max EPS beat(2)-21.66%
EPS beat(4)0
Avg EPS beat(4)-15.54%
Min EPS beat(4)-27.99%
Max EPS beat(4)-2.24%
EPS beat(8)2
Avg EPS beat(8)-5.13%
EPS beat(12)5
Avg EPS beat(12)-2.45%
EPS beat(16)6
Avg EPS beat(16)-562.76%
Revenue beat(2)2
Avg Revenue beat(2)7.79%
Min Revenue beat(2)3.57%
Max Revenue beat(2)12.01%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-18.38%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-5.04%
Revenue beat(12)6
Avg Revenue beat(12)9.28%
Revenue beat(16)7
Avg Revenue beat(16)-5.44%
PT rev (1m)1.09%
PT rev (3m)-7.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.32%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.31%
Valuation
Industry RankSector Rank
PE 22.43
Fwd PE 18.31
P/S 3.22
P/FCF 17.11
P/OCF 17.11
P/B 1.41
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)1.12
EY4.46%
EPS(NY)1.37
Fwd EY5.46%
FCF(TTM)1.47
FCFY5.85%
OCF(TTM)1.47
OCFY5.85%
SpS7.81
BVpS17.82
TBVpS17.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.19
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 4.93%
ROCE 1.11%
ROIC 0.88%
ROICexc 0.9%
ROICexgc 0.93%
OM 16.2%
PM (TTM) 11.27%
GM 36.5%
FCFM 18.81%
ROA(3y)-0.57%
ROA(5y)-1.74%
ROE(3y)-2.06%
ROE(5y)-4.53%
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 3Y-28.3%
ROICexgc growth 5Y-17.73%
ROICexc growth 3Y-27.72%
ROICexc growth 5Y-17.35%
OM growth 3Y-36.21%
OM growth 5Y-20.95%
PM growth 3Y-45.5%
PM growth 5Y-24.97%
GM growth 3Y-21.52%
GM growth 5Y-9.69%
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF 65.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.26
Cash Conversion N/A
Profit Quality 167%
Current Ratio 0.95
Quick Ratio 0.95
Altman-Z 0.03
F-Score4
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)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
EPS Next Y-32.02%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-24.03%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
Revenue Next Year16.21%
Revenue Next 2Y6.56%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
EBIT growth 1Y-25.62%
EBIT growth 3Y-22.41%
EBIT growth 5Y-20.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.9%
FCF growth 3Y22.71%
FCF growth 5Y-1.32%
OCF growth 1Y22.6%
OCF growth 3Y18.49%
OCF growth 5Y-1.5%

MFA FINANCIAL INC - MFA 8 7/8 02/15/29 / MFAN FAQ

What is the fundamental rating for MFAN stock?

ChartMill assigns a fundamental rating of 3 / 10 to MFAN.


Can you provide the valuation status for MFA FINANCIAL INC - MFA 8 7/8 02/15/29?

ChartMill assigns a valuation rating of 2 / 10 to MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN). This can be considered as Overvalued.


How profitable is MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) stock?

MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for MFAN stock?

The Price/Earnings (PE) ratio for MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is 22.43 and the Price/Book (PB) ratio is 1.41.


Can you provide the dividend sustainability for MFAN stock?

The dividend rating of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is 3 / 10 and the dividend payout ratio is 205.55%.