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

NYSE:MFAN • US55272X7066

Current stock price

25.43 USD
-0.06 (-0.24%)
Last:

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

6

1. MFAN Profitability Analysis

1.1 Basic Checks

  • MFAN had positive earnings in the past year.
  • In the past year MFAN had a positive cash flow from operations.
  • MFAN had positive earnings in 4 of the past 5 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 2025 0 200M -200M -400M -600M

1.2 Ratios

  • MFAN's Return On Assets of 1.04% is fine compared to the rest of the industry. MFAN outperforms 67.65% of its industry peers.
  • The Return On Equity of MFAN (7.42%) is better than 75.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.13%, MFAN is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for MFAN is in line with the industry average of 1.29%.
  • The last Return On Invested Capital (1.13%) for MFAN 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
MFAN Yearly ROA, ROE, ROICMFAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • MFAN has a Profit Margin of 15.91%. This is in the better half of the industry: MFAN outperforms 63.24% of its industry peers.
  • MFAN has a Operating Margin of 21.44%. This is in the better half of the industry: MFAN outperforms 72.06% of its industry peers.
  • With a decent Gross Margin value of 39.73%, MFAN is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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
MFAN Yearly Profit, Operating, Gross MarginsMFAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

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4

2. MFAN Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for MFAN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, MFAN has less shares outstanding
  • Compared to 1 year ago, MFAN has a worse debt to assets ratio.
MFAN Yearly Shares OutstandingMFAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.05, we must say that MFAN is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.05, MFAN is in the better half of the industry, outperforming 72.06% of the companies in the same industry.
  • MFAN has a debt to FCF ratio of 143.49. This is a negative value and a sign of low solvency as MFAN would need 143.49 years to pay back of all of its debts.
  • MFAN has a Debt to FCF ratio of 143.49. This is comparable to the rest of the industry: MFAN outperforms 44.12% of its industry peers.
  • MFAN has a Debt/Equity ratio of 5.99. This is a high value indicating a heavy dependency on external financing.
  • MFAN has a Debt to Equity ratio of 5.99. This is comparable to the rest of the industry: MFAN outperforms 48.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Altman-Z 0.05
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 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.16 indicates that MFAN should not have too much problems paying its short term obligations.
  • With an excellent Current ratio value of 1.16, MFAN belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
  • A Quick Ratio of 1.16 indicates that MFAN should not have too much problems paying its short term obligations.
  • MFAN has a Quick ratio of 1.16. This is amongst the best in the industry. MFAN outperforms 89.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
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 2025 2B 4B 6B 8B

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

5

3. MFAN Growth Analysis

3.1 Past

  • MFAN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.48%.
  • The Revenue for MFAN has decreased by -15.10% in the past year. This is quite bad
  • 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, MFAN will show a very strong growth in Earnings Per Share. The EPS will grow by 22.27% on average per year.
  • MFAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.91% yearly.
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 3Y13.91%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 2028 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 2028 0 2 -2 -4 -6

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4

4. MFAN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.43 indicates a quite expensive valuation of MFAN.
  • Compared to the rest of the industry, the Price/Earnings ratio of MFAN indicates a slightly more expensive valuation: MFAN is more expensive than 63.24% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.33, MFAN is valued at the same level.
  • A Price/Forward Earnings ratio of 18.29 indicates a rather expensive valuation of MFAN.
  • Based on the Price/Forward Earnings ratio, MFAN is valued a bit more expensive than the industry average as 61.76% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 38.16. MFAN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 25.43
Fwd PE 18.29
MFAN Price Earnings VS Forward Price EarningsMFAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • MFAN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 34.05
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MFAN has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as MFAN's earnings are expected to grow with 22.27% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y22.78%
EPS Next 3Y22.27%

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

5

5. MFAN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 14.43%, MFAN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 12.92, MFAN pays a bit more dividend than its industry peers.
  • MFAN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 14.43%

5.2 History

  • On average, the dividend of MFAN grows each year by 7.85%, which is quite nice.
  • MFAN has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)7.85%
Div Incr Years1
Div Non Decr Years1
MFAN Yearly Dividends per shareMFAN Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 138.93% of the earnings are spent on dividend by MFAN. This is not a sustainable payout ratio.
  • MFAN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP138.93%
EPS Next 2Y22.78%
EPS Next 3Y22.27%
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 2025 0 200M -200M -400M -600M
MFAN Dividend Payout.MFAN Dividend Payout, showing the Payout Ratio.MFAN Dividend Payout.PayoutRetained Earnings

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MFAN Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:MFAN (4/15/2026, 12:57:52 PM)

25.43

-0.06 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)04-30
Inst Owners54.77%
Inst Owner ChangeN/A
Ins Owners1.85%
Ins Owner ChangeN/A
Market Cap2.60B
Revenue(TTM)852.78M
Net Income(TTM)135.68M
Analysts72
Price Target29.14 (14.59%)
Short Float %0.01%
Short Ratio0.39
Dividend
Industry RankSector Rank
Dividend Yield 14.43%
Yearly Dividend1.85
Dividend Growth(5Y)7.85%
DP138.93%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-01
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)5.43%
PT rev (3m)6.96%
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)1.55%
Valuation
Industry RankSector Rank
PE 25.43
Fwd PE 18.29
P/S 3.04
P/FCF 34.05
P/OCF 34.05
P/B 1.42
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1
EY3.93%
EPS(NY)1.39
Fwd EY5.47%
FCF(TTM)0.75
FCFY2.94%
OCF(TTM)0.75
OCFY2.94%
SpS8.35
BVpS17.9
TBVpS17.28
PEG (NY)0.65
PEG (5Y)N/A
Graham Number20.0702 (-21.08%)
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 0.05
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 3Y13.91%
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 8 7/8 02/15/29 / MFAN Fundamental Analysis FAQ

What is the fundamental rating for MFAN stock?

ChartMill assigns a fundamental rating of 5 / 10 to MFAN.


What is the valuation status of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) stock?

ChartMill assigns a valuation rating of 4 / 10 to MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN). This can be considered as Fairly Valued.


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

MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for MFAN stock?

The Earnings per Share (EPS) of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is expected to grow by 39.04% in the next year.


Is the dividend of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 sustainable?

The dividend rating of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is 5 / 10 and the dividend payout ratio is 138.93%.