MFA FINANCIAL INC - MFA 8 7/8 02/15/29 (MFAN) Stock Fundamental Analysis
USA - NYSE:MFAN - US55272X7066
25.2 USD
+0.05 (+0.2%)
Overall MFAN gets a fundamental rating of 4 out of 10. We evaluated MFAN against 62 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 does not seem to be growing, but still is valued expensively.
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.
In multiple years MFAN reported negative net income over the last 5 years.
In the past 5 years MFAN always reported a positive cash flow from operatings.
1.2 Ratios
MFAN has a Return On Assets of 0.79%. This is in the better half of the industry: MFAN outperforms 79.03% of its industry peers.
MFAN has a better Return On Equity (5.08%) than 79.03% of its industry peers.
MFAN has a better Return On Invested Capital (0.91%) than 72.58% 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's Profit Margin of 11.53% is fine compared to the rest of the industry. MFAN outperforms 72.58% of its industry peers.
In the last couple of years the Profit Margin of MFAN has declined.
Looking at the Operating Margin, with a value of 16.31%, MFAN is in the better half of the industry, outperforming 74.19% of the companies in the same industry.
In the last couple of years the Operating Margin of MFAN has declined.
Looking at the Gross Margin, with a value of 36.64%, MFAN is in the better half of the industry, outperforming 77.42% of the companies in the same industry.
MFAN's Gross Margin has declined in the last couple of years.
| 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
MFAN has about the same amout of shares outstanding than it did 1 year ago.
MFAN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MFAN is higher compared to a year ago.
2.2 Solvency
MFAN has an Altman-Z score of 0.04. This is a bad value and indicates that MFAN is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.04, MFAN is doing good in the industry, outperforming 61.29% of the companies in the same industry.
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.
MFAN has a better Debt to FCF ratio (76.65) than 61.29% of its industry peers.
MFAN has a Debt/Equity ratio of 5.22. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.22, MFAN is in line with its industry, outperforming 46.77% 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
MFAN has a Current 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 better Current ratio (1.10) than 77.42% 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 better Quick ratio (1.10) than 77.42% 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 -23.21% 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.
MFAN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.38%.
Measured over the past years, MFAN shows a decrease in Revenue. The Revenue has been decreasing by -0.04% on average per year.
EPS 1Y (TTM)-23.21%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.45%
Revenue 1Y (TTM)-13.38%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%14.56%
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 0.33% on average per year.
Based on estimates for the next years, MFAN will show a quite strong growth in Revenue. The Revenue will grow by 12.28% on average per year.
EPS Next Y-28.97%
EPS Next 2Y-3.64%
EPS Next 3Y0.33%
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y9.5%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 19.53, which indicates a rather expensive current valuation of MFAN.
MFAN's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.30. MFAN is valued slightly cheaper when compared to this.
MFAN is valuated rather expensively with a Price/Forward Earnings ratio of 17.51.
MFAN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MFAN is more expensive than 69.35% of the companies in the same industry.
MFAN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 17.51 |
4.2 Price Multiples
MFAN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.64%
EPS Next 3Y0.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.12%, MFAN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.50, MFAN pays a better dividend. On top of this MFAN pays more dividend than 87.10% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.12% |
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
195.15% of the earnings are spent on dividend by MFAN. This is not a sustainable payout ratio.
DP195.15%
EPS Next 2Y-3.64%
EPS Next 3Y0.33%
MFA FINANCIAL INC - MFA 8 7/8 02/15/29
NYSE:MFAN (9/15/2025, 2:30:33 PM)
25.2
+0.05 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners57.32%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap2.59B
Analysts72.73
Price Target27.91 (10.75%)
Short Float %0.01%
Short Ratio0.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.12% |
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)-8.39%
PT rev (3m)-10.46%
EPS NQ rev (1m)-6.9%
EPS NQ rev (3m)-26.23%
EPS NY rev (1m)-14.06%
EPS NY rev (3m)-4.94%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-11.17%
Revenue NY rev (1m)2.29%
Revenue NY rev (3m)3.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 17.51 | ||
| P/S | 3.22 | ||
| P/FCF | 20.86 | ||
| P/OCF | 20.86 | ||
| P/B | 1.42 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.12%
EPS(NY)1.44
Fwd EY5.71%
FCF(TTM)1.21
FCFY4.79%
OCF(TTM)1.21
OCFY4.79%
SpS7.82
BVpS17.75
TBVpS17.12
PEG (NY)N/A
PEG (5Y)N/A
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
ROICexcg growth 3Y-28.3%
ROICexcg 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)-23.21%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.45%
EPS Next Y-28.97%
EPS Next 2Y-3.64%
EPS Next 3Y0.33%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.38%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%14.56%
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%