MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) Stock Fundamental Analysis

NYSE:MFAO • US55272X8056

25.26 USD
-0.08 (-0.32%)
Last: Feb 19, 2026, 11:20 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, MFAO scores 3 out of 10 in our fundamental rating. MFAO was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While MFAO is still in line with the averages on profitability rating, there are concerns on its financial health. MFAO does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year MFAO was profitable.
  • In the past year MFAO had a positive cash flow from operations.
  • In multiple years MFAO reported negative net income over the last 5 years.
  • MFAO had a positive operating cash flow in 4 of the past 5 years.
MFAO Yearly Net Income VS EBIT VS OCF VS FCFMFAO 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 0 200M -200M -400M -600M

1.2 Ratios

  • MFAO has a better Return On Assets (0.74%) than 78.57% of its industry peers.
  • With a decent Return On Equity value of 4.93%, MFAO is doing good in the industry, outperforming 61.43% of the companies in the same industry.
  • MFAO has a better Return On Invested Capital (0.88%) than 77.14% of its industry peers.
Industry RankSector 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
MFAO Yearly ROA, ROE, ROICMFAO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • MFAO has a better Profit Margin (11.27%) than 61.43% of its industry peers.
  • In the last couple of years the Profit Margin of MFAO has declined.
  • MFAO has a Operating Margin (16.20%) which is in line with its industry peers.
  • MFAO's Operating Margin has declined in the last couple of years.
  • MFAO's Gross Margin of 36.50% is fine compared to the rest of the industry. MFAO outperforms 72.86% of its industry peers.
  • MFAO's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
MFAO Yearly Profit, Operating, Gross MarginsMFAO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • MFAO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MFAO Yearly Shares OutstandingMFAO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
MFAO Yearly Total Debt VS Total AssetsMFAO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • MFAO has an Altman-Z score of 0.03. This is a bad value and indicates that MFAO is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of MFAO (0.03) is better than 68.57% of its industry peers.
  • The Debt to FCF ratio of MFAO is 65.58, which is on the high side as it means it would take MFAO, 65.58 years of fcf income to pay off all of its debts.
  • MFAO has a Debt to FCF ratio of 65.58. This is in the better half of the industry: MFAO outperforms 72.86% of its industry peers.
  • MFAO has a Debt/Equity ratio of 5.40. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.40, MFAO perfoms like the industry average, outperforming 47.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF 65.58
Altman-Z 0.03
ROIC/WACCN/A
WACCN/A
MFAO Yearly LT Debt VS Equity VS FCFMFAO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.95 indicates that MFAO may have some problems paying its short term obligations.
  • MFAO has a Current ratio of 0.95. This is in the better half of the industry: MFAO outperforms 70.00% of its industry peers.
  • MFAO has a Quick Ratio of 0.95. This is a bad value and indicates that MFAO is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 0.95, MFAO is doing good in the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.95
Quick Ratio 0.95
MFAO Yearly Current Assets VS Current LiabilitesMFAO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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

3

3. Growth

3.1 Past

  • MFAO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.48%.
EPS 1Y (TTM)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.21%

3.2 Future

  • MFAO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.81% yearly.
  • The Revenue is expected to grow by 10.36% on average over the next years. This is quite good.
EPS Next Y36.35%
EPS Next 2Y22.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.29%
Revenue Next 2Y10.36%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

MFAO Yearly Revenue VS EstimatesMFAO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
MFAO Yearly EPS VS EstimatesMFAO 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.26, the valuation of MFAO can be described as expensive.
  • 60.00% of the companies in the same industry are cheaper than MFAO, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, MFAO is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 18.53, the valuation of MFAO can be described as rather expensive.
  • 67.14% of the companies in the same industry are cheaper than MFAO, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of MFAO to the average of the S&P500 Index (28.16), we can say MFAO is valued slightly cheaper.
Industry RankSector Rank
PE 25.26
Fwd PE 18.53
MFAO Price Earnings VS Forward Price EarningsMFAO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • MFAO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 17.2
EV/EBITDA N/A
MFAO Per share dataMFAO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • MFAO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as MFAO's earnings are expected to grow with 22.81% in the coming years.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y22.81%
EPS Next 3YN/A

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 14.52%, MFAO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 10.30, MFAO pays a better dividend. On top of this MFAO pays more dividend than 90.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, MFAO pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.52%

5.2 History

  • The dividend of MFAO decreases each year by -12.34%.
  • MFAO 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
MFAO Yearly Dividends per shareMFAO Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 205.55% of the earnings are spent on dividend by MFAO. This is not a sustainable payout ratio.
DP205.55%
EPS Next 2Y22.81%
EPS Next 3YN/A
MFAO Yearly Income VS Free CF VS DividendMFAO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M -600M
MFAO Dividend Payout.MFAO Dividend Payout, showing the Payout Ratio.MFAO Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MFA FINANCIAL INC - MFA 9 08/15/29

NYSE:MFAO (2/19/2026, 11:20:04 AM)

25.26

-0.08 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)05-04
Inst Owners55.51%
Inst Owner ChangeN/A
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap2.58B
Revenue(TTM)N/A
Net Income(TTM)89.86M
Analysts72
Price Target28.09 (11.2%)
Short Float %0%
Short Ratio0.3
Dividend
Industry RankSector Rank
Dividend Yield 14.52%
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP205.55%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-30
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)7
Avg Revenue beat(12)32.89%
Revenue beat(16)8
Avg Revenue beat(16)12.27%
PT rev (1m)2.56%
PT rev (3m)-9.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.23%
EPS NY rev (1m)-1.6%
EPS NY rev (3m)-6.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.31%
Valuation
Industry RankSector Rank
PE 25.26
Fwd PE 18.53
P/S 3.24
P/FCF 17.2
P/OCF 17.2
P/B 1.42
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1
EY3.96%
EPS(NY)1.36
Fwd EY5.4%
FCF(TTM)1.47
FCFY5.81%
OCF(TTM)1.47
OCFY5.81%
SpS7.81
BVpS17.82
TBVpS17.2
PEG (NY)0.69
PEG (5Y)N/A
Graham Number20.03
Profitability
Industry RankSector 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 RankSector 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)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
EPS Next Y36.35%
EPS Next 2Y22.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.21%
Revenue Next Year-2.29%
Revenue Next 2Y10.36%
Revenue Next 3YN/A
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 9 08/15/29 / MFAO FAQ

What is the ChartMill fundamental rating of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MFAO.


What is the valuation status of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) stock?

ChartMill assigns a valuation rating of 2 / 10 to MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO). This can be considered as Overvalued.


Can you provide the profitability details for MFA FINANCIAL INC - MFA 9 08/15/29?

MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) has a profitability rating of 4 / 10.


What are the PE and PB ratios of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) stock?

The Price/Earnings (PE) ratio for MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) is 25.26 and the Price/Book (PB) ratio is 1.42.


What is the financial health of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) stock?

The financial health rating of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) is 3 / 10.