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

NYSE:MFAN • US55272X7066

25.05 USD
-0.12 (-0.48%)
Last: Mar 9, 2026, 02:11 PM
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This MFAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, MFAN scores 5 out of 10 in our fundamental rating. MFAN was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MFAN has only an average score on both its financial health and profitability. MFAN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. MFAN Profitability Analysis

1.1 Basic Checks

  • MFAN had positive earnings in the past year.
  • MFAN had a positive operating cash flow in the past year.
  • Of the past 5 years MFAN 4 years were profitable.
  • Each year in the past 5 years MFAN had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 1.04%, MFAN is in the better half of the industry, outperforming 67.65% of the companies in the same industry.
  • The Return On Equity of MFAN (7.42%) is better than 76.47% of its industry peers.
  • MFAN has a Return On Invested Capital of 1.13%. This is in the better half of the industry: MFAN outperforms 73.53% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for MFAN is in line with the industry average of 1.41%.
  • 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

  • Looking at the Profit Margin, with a value of 15.91%, MFAN is in the better half of the industry, outperforming 63.24% of the companies in the same industry.
  • With a decent Operating Margin value of 21.44%, MFAN is doing good in the industry, outperforming 72.06% of the companies in the same industry.
  • MFAN's Gross Margin of 39.73% is amongst the best of the industry. MFAN outperforms 82.35% 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MFAN Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, MFAN has less shares outstanding
  • MFAN has less shares outstanding than it did 5 years ago.
  • 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.
  • With a decent Altman-Z score value of 0.05, MFAN is doing good in the industry, outperforming 70.59% 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.
  • Looking at the Debt to FCF ratio, with a value of 143.49, MFAN is in line with its industry, outperforming 51.47% of the companies in the same industry.
  • 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 (5.99) which is comparable to the rest of the industry.
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

  • MFAN has a Current Ratio of 1.16. 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 better Current ratio (1.16) than 89.71% of its industry peers.
  • A Quick Ratio of 1.16 indicates that MFAN should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.16, MFAN belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
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

4

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%.
  • Looking at the last year, MFAN shows a very negative growth in Revenue. The Revenue has decreased by -15.10% in the last year.
  • MFAN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.75% yearly.
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

  • MFAN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.78% yearly.
  • The Revenue is expected to grow by 5.77% on average over the next years.
EPS Next Y37.7%
EPS Next 2Y22.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.69%
Revenue Next 2Y5.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 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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4

4. MFAN Valuation Analysis

4.1 Price/Earnings Ratio

  • MFAN is valuated quite expensively with a Price/Earnings ratio of 25.05.
  • 63.24% of the companies in the same industry are cheaper than MFAN, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, MFAN is valued at the same level.
  • MFAN is valuated rather expensively with a Price/Forward Earnings ratio of 18.19.
  • Based on the Price/Forward Earnings ratio, MFAN is valued a bit more expensive than the industry average as 63.24% of the companies are valued more cheaply.
  • MFAN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.05
Fwd PE 18.19
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

  • MFAN's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 33.54
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

  • MFAN's 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 22.78% in the coming years.
PEG (NY)0.66
PEG (5Y)N/A
EPS Next 2Y22.78%
EPS Next 3YN/A

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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 8.83%, MFAN is a good candidate for dividend investing.
  • MFAN's Dividend Yield is slightly below the industry average, which is at 11.52.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.83%

5.2 History

  • The dividend of MFAN is nicely growing with an annual growth rate of 7.85%!
  • MFAN has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)7.85%
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

  • 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 3YN/A
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 (3/9/2026, 2:11:36 PM)

25.05

-0.12 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)05-04
Inst Owners54.61%
Inst Owner ChangeN/A
Ins Owners1.85%
Ins Owner ChangeN/A
Market Cap2.56B
Revenue(TTM)852.78M
Net Income(TTM)135.68M
Analysts72
Price Target27.64 (10.34%)
Short Float %0.01%
Short Ratio0.34
Dividend
Industry RankSector Rank
Dividend Yield 8.83%
Yearly Dividend1.85
Dividend Growth(5Y)7.85%
DP138.93%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-30
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)-1.2%
PT rev (3m)0.18%
EPS NQ rev (1m)-0.54%
EPS NQ rev (3m)-0.54%
EPS NY rev (1m)0.99%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)6.66%
Revenue NQ rev (3m)2.08%
Revenue NY rev (1m)7.24%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 25.05
Fwd PE 18.19
P/S 3
P/FCF 33.54
P/OCF 33.54
P/B 1.4
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)1
EY3.99%
EPS(NY)1.38
Fwd EY5.5%
FCF(TTM)0.75
FCFY2.98%
OCF(TTM)0.75
OCFY2.98%
SpS8.35
BVpS17.9
TBVpS17.28
PEG (NY)0.66
PEG (5Y)N/A
Graham Number20.07
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 Y37.7%
EPS Next 2Y22.78%
EPS Next 3YN/A
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 3YN/A
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 FAQ

What is the fundamental rating for MFAN stock?

ChartMill assigns a fundamental rating of 5 / 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 4 / 10 to MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN). This can be considered as Fairly Valued.


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 6 / 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 25.05 and the Price/Book (PB) ratio is 1.4.


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 5 / 10 and the dividend payout ratio is 138.93%.