MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) Stock Fundamental Analysis
USA - NYSE:MFAN - US55272X7066
25.04 USD
0 (0%)
Overall MFAN gets a fundamental rating of 4 out of 10. We evaluated MFAN against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and the financial health of MFAN get a neutral evaluation. Nothing too spectacular is happening here. MFAN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
MFAN had positive earnings in the past year.
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.
1.2 Ratios
MFAN's Return On Assets of 0.79% is fine compared to the rest of the industry. MFAN outperforms 77.94% of its industry peers.
MFAN has a better Return On Equity (5.08%) than 76.47% of its industry peers.
MFAN's Return On Invested Capital of 0.91% is fine compared to the rest of the industry. MFAN outperforms 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.08% | ||
| ROIC | 0.91% |
ROA(3y)-0.57%
ROA(5y)-1.74%
ROE(3y)-2.06%
ROE(5y)-4.53%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MFAN has a Profit Margin of 11.53%. This is in the better half of the industry: MFAN outperforms 70.59% of its industry peers.
MFAN's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 16.31%, MFAN is in the better half of the industry, outperforming 72.06% of the companies in the same industry.
MFAN's Operating Margin has declined in the last couple of years.
MFAN has a better Gross Margin (36.64%) than 76.47% of its industry peers.
In the last couple of years the Gross Margin of MFAN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.31% | ||
| PM (TTM) | 11.53% | ||
| GM | 36.64% |
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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, MFAN has about the same amount of shares outstanding.
Compared to 5 years ago, MFAN has less shares outstanding
Compared to 1 year ago, MFAN has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.04, we must say that MFAN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MFAN (0.04) is better than 66.18% of its industry peers.
MFAN has a debt to FCF ratio of 76.65. This is a negative value and a sign of low solvency as MFAN would need 76.65 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 76.65, MFAN is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
A Debt/Equity ratio of 5.22 is on the high side and indicates that MFAN has dependencies on debt financing.
With a Debt to Equity ratio value of 5.22, MFAN perfoms like the industry average, outperforming 48.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.22 | ||
| Debt/FCF | 76.65 | ||
| Altman-Z | 0.04 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.10 indicates that MFAN should not have too much problems paying its short term obligations.
MFAN's Current ratio of 1.10 is fine compared to the rest of the industry. MFAN outperforms 79.41% of its industry peers.
MFAN has a Quick Ratio of 1.10. This is a normal value and indicates that MFAN is financially healthy and should not expect problems in meeting its short term obligations.
MFAN has a Quick ratio of 1.10. This is in the better half of the industry: MFAN outperforms 79.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
The earnings per share for MFAN have decreased strongly by -32.12% in the last year.
Measured over the past years, MFAN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.50% on average per year.
Looking at the last year, MFAN shows a very strong growth in Revenue. The Revenue has grown by 21.85%.
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)21.85%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
3.2 Future
Based on estimates for the next years, MFAN will show a small growth in Earnings Per Share. The EPS will grow by 0.65% on average per year.
MFAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.28% yearly.
EPS Next Y-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y9.5%
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.
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
The Price/Earnings ratio is 22.36, which indicates a rather expensive current valuation of MFAN.
MFAN's Price/Earnings is on the same level as the industry average.
MFAN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 17.46 indicates a rather expensive valuation of MFAN.
MFAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MFAN is more expensive than 66.18% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MFAN to the average of the S&P500 Index (32.73), we can say MFAN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.36 | ||
| Fwd PE | 17.46 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as MFAN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
5. Dividend
5.1 Amount
MFAN has a Yearly Dividend Yield of 16.05%, which is a nice return.
Compared to an average industry Dividend Yield of 13.19, MFAN pays a better dividend. On top of this MFAN pays more dividend than 83.82% of the companies listed in the same industry.
MFAN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.05% |
5.2 History
The dividend of MFAN decreases each year by -12.34%.
MFAN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-12.34%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
MFAN pays out 195.15% of its income as dividend. This is not a sustainable payout ratio.
DP195.15%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
MFA FINANCIAL INC - MFA 8 7/8 02/15/29
NYSE:MFAN (11/7/2025, 8:04:00 PM)
25.04
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners59.12%
Inst Owner ChangeN/A
Ins Owners0.88%
Ins Owner ChangeN/A
Market Cap2.57B
Revenue(TTM)806.26M
Net Income(TTM)92.65M
Analysts72
Price Target30.78 (22.92%)
Short Float %0.01%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.05% |
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP195.15%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.97%
Min EPS beat(2)-21.66%
Max EPS beat(2)-10.27%
EPS beat(4)0
Avg EPS beat(4)-11.28%
Min EPS beat(4)-21.66%
Max EPS beat(4)-2.24%
EPS beat(8)3
Avg EPS beat(8)0.01%
EPS beat(12)6
Avg EPS beat(12)1.95%
EPS beat(16)7
Avg EPS beat(16)-558.04%
Revenue beat(2)2
Avg Revenue beat(2)9.7%
Min Revenue beat(2)7.38%
Max Revenue beat(2)12.01%
Revenue beat(4)2
Avg Revenue beat(4)-4.04%
Min Revenue beat(4)-18.38%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-4.4%
Revenue beat(12)5
Avg Revenue beat(12)7.36%
Revenue beat(16)7
Avg Revenue beat(16)12.05%
PT rev (1m)3.7%
PT rev (3m)1.05%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)-3.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.36 | ||
| Fwd PE | 17.46 | ||
| P/S | 3.2 | ||
| P/FCF | 20.73 | ||
| P/OCF | 20.73 | ||
| P/B | 1.41 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY4.47%
EPS(NY)1.43
Fwd EY5.73%
FCF(TTM)1.21
FCFY4.82%
OCF(TTM)1.21
OCFY4.82%
SpS7.82
BVpS17.75
TBVpS17.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.08% | ||
| ROCE | 1.16% | ||
| ROIC | 0.91% | ||
| ROICexc | 0.91% | ||
| ROICexgc | 0.94% | ||
| OM | 16.31% | ||
| PM (TTM) | 11.53% | ||
| GM | 36.64% | ||
| FCFM | 15.44% |
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-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.22 | ||
| Debt/FCF | 76.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 133.85% | ||
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | 0.04 |
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)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-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
EPS Next 5YN/A
Revenue 1Y (TTM)21.85%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
Revenue Next Year4.4%
Revenue Next 2Y9.5%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
EBIT growth 1Y93.99%
EBIT growth 3Y-22.41%
EBIT growth 5Y-20.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.24%
FCF growth 3Y22.71%
FCF growth 5Y-1.32%
OCF growth 1Y-43.32%
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 4 / 10 to MFAN.
What is the valuation status for MFAN stock?
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 financial health for MFAN stock?
The financial health rating of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is 4 / 10.
What is the expected EPS growth for MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) stock?
The Earnings per Share (EPS) of MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) is expected to decline by -28.58% in the next year.