MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MFAN - US55272X7066
25.2 USD
0 (0%)
Taking everything into account, MFAN scores 4 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 a medium profitability rating, but doesn't score so well on its financial health evaluation. MFAN has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
MFAN had positive earnings in the past year.
MFAN had a positive operating cash flow in the past year.
In multiple years MFAN reported negative net income over the last 5 years.
MFAN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MFAN has a better Return On Assets (0.74%) than 79.41% of its industry peers.
With a decent Return On Equity value of 4.93%, MFAN is doing good in the industry, outperforming 61.76% of the companies in the same industry.
MFAN has a better Return On Invested Capital (0.88%) than 77.94% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
MFAN's Profit Margin of 11.27% is fine compared to the rest of the industry. MFAN outperforms 61.76% 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 16.20%, MFAN is in the better half of the industry, outperforming 60.29% 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 (36.50%) than 73.53% of its industry peers.
MFAN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The number of shares outstanding for MFAN remains at a similar level compared to 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.
2.2 Solvency
Based on the Altman-Z score of 0.03, we must say that MFAN is in the distress zone and has some risk of bankruptcy.
MFAN has a better Altman-Z score (0.03) than 64.71% 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.
Looking at the Debt to FCF ratio, with a value of 65.58, MFAN is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
MFAN has a Debt/Equity ratio of 5.40. This is a high value indicating a heavy dependency on external financing.
MFAN has a Debt to Equity ratio (5.40) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.4 | ||
| Debt/FCF | 65.58 | ||
| Altman-Z | 0.03 |
ROIC/WACCN/A
WACCN/A
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.
MFAN has a better Current ratio (0.95) than 69.12% of its industry peers.
A Quick Ratio of 0.95 indicates that MFAN may have some problems paying its short term obligations.
The Quick ratio of MFAN (0.95) is better than 69.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 |
3. Growth
3.1 Past
MFAN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.12%.
MFAN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.50% yearly.
The Revenue for MFAN has decreased by -24.03% in the past year. This is quite bad
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.
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-32.02%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
EPS Next 5YN/A
Revenue Next Year16.21%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
MFAN is valuated rather expensively with a Price/Earnings ratio of 22.50.
The rest of the industry has a similar Price/Earnings ratio as MFAN.
MFAN's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 18.37, MFAN is valued on the expensive side.
Based on the Price/Forward Earnings ratio, MFAN is valued a bit more expensive than 66.18% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, MFAN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.5 | ||
| Fwd PE | 18.37 |
4.2 Price Multiples
MFAN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
5. Dividend
5.1 Amount
MFAN has a Yearly Dividend Yield of 10.85%, which is a nice return.
Compared to an average industry Dividend Yield of 10.99, MFAN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, MFAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.85% |
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
5.3 Sustainability
MFAN pays out 205.55% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of MFAN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP205.55%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
MFA FINANCIAL INC - MFA 8 7/8 02/15/29
NYSE:MFAN (12/31/2025, 8:14:43 PM)
25.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners56.18%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap2.58B
Revenue(TTM)797.68M
Net Income(TTM)89.86M
Analysts72
Price Target27.24 (8.1%)
Short Float %0.01%
Short Ratio0.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.85% |
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP205.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-4.29%
PT rev (3m)-2.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.32%
EPS NY rev (1m)-4.81%
EPS NY rev (3m)-4.81%
Revenue NQ rev (1m)-4.19%
Revenue NQ rev (3m)-4.19%
Revenue NY rev (1m)11.31%
Revenue NY rev (3m)11.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.5 | ||
| Fwd PE | 18.37 | ||
| P/S | 3.23 | ||
| P/FCF | 17.16 | ||
| P/OCF | 17.16 | ||
| P/B | 1.41 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY4.44%
EPS(NY)1.37
Fwd EY5.44%
FCF(TTM)1.47
FCFY5.83%
OCF(TTM)1.47
OCFY5.83%
SpS7.81
BVpS17.82
TBVpS17.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.19
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 2Y9.5%
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 4 / 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 22.5 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 4 / 10 and the dividend payout ratio is 205.55%.