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

NYSE:MFAO • US55272X8056

Current stock price

24.88 USD
-0.01 (-0.04%)
Last:

This MFAO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. MFAO Profitability Analysis

1.1 Basic Checks

  • MFAO had positive earnings in the past year.
  • In the past year MFAO had a positive cash flow from operations.
  • Of the past 5 years MFAO 4 years were profitable.
  • Each year in the past 5 years MFAO had a positive operating cash flow.
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 2025 0 200M -200M -400M -600M

1.2 Ratios

  • The Return On Assets of MFAO (1.04%) is better than 66.18% of its industry peers.
  • MFAO's Return On Equity of 7.42% is fine compared to the rest of the industry. MFAO outperforms 73.53% of its industry peers.
  • MFAO has a Return On Invested Capital of 1.13%. This is in the better half of the industry: MFAO outperforms 72.06% of its industry peers.
  • MFAO had an Average Return On Invested Capital over the past 3 years of 0.84%. This is in line with the industry average of 1.30%.
  • The 3 year average ROIC (0.84%) for MFAO is below the current ROIC(1.13%), indicating increased profibility in the last year.
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
MFAO Yearly ROA, ROE, ROICMFAO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • MFAO has a Profit Margin of 15.91%. This is in the better half of the industry: MFAO outperforms 61.76% of its industry peers.
  • MFAO has a better Operating Margin (21.44%) than 70.59% of its industry peers.
  • MFAO's Gross Margin of 39.73% is fine compared to the rest of the industry. MFAO outperforms 73.53% 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
MFAO Yearly Profit, Operating, Gross MarginsMFAO 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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4

2. MFAO Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for MFAO has been reduced compared to 1 year ago.
  • Compared to 5 years ago, MFAO has less shares outstanding
  • The debt/assets ratio for MFAO is higher compared to a year ago.
MFAO Yearly Shares OutstandingMFAO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.05, we must say that MFAO is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.05, MFAO is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
  • The Debt to FCF ratio of MFAO is 143.49, which is on the high side as it means it would take MFAO, 143.49 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 143.49, MFAO is in line with its industry, outperforming 42.65% of the companies in the same industry.
  • MFAO has a Debt/Equity ratio of 5.99. This is a high value indicating a heavy dependency on external financing.
  • MFAO has a Debt to Equity ratio (5.99) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Altman-Z 0.05
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 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.16 indicates that MFAO should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.16, MFAO belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
  • A Quick Ratio of 1.16 indicates that MFAO should not have too much problems paying its short term obligations.
  • MFAO's Quick ratio of 1.16 is amongst the best of the industry. MFAO outperforms 88.24% of its industry peers.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
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 2025 2B 4B 6B 8B

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

5

3. MFAO Growth Analysis

3.1 Past

  • The earnings per share for MFAO have decreased strongly by -35.48% in the last year.
  • Looking at the last year, MFAO shows a very negative growth in Revenue. The Revenue has decreased by -15.10% in the last year.
  • The Revenue has been growing by 36.75% on average over the past years. This is a very strong growth!
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

  • MFAO 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 13.91% on average over the next years. This is quite good.
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 3Y13.91%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 2028 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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3

4. MFAO Valuation Analysis

4.1 Price/Earnings Ratio

  • MFAO is valuated rather expensively with a Price/Earnings ratio of 24.88.
  • Based on the Price/Earnings ratio, MFAO is valued a bit more expensive than 64.71% of the companies in the same industry.
  • MFAO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.89.
  • MFAO is valuated rather expensively with a Price/Forward Earnings ratio of 18.07.
  • 64.71% of the companies in the same industry are cheaper than MFAO, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, MFAO is valued at the same level.
Industry RankSector Rank
PE 24.88
Fwd PE 18.07
MFAO Price Earnings VS Forward Price EarningsMFAO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFAO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 33.31
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.
  • MFAO has a very decent profitability rating, which may justify a higher PE ratio.
  • MFAO's earnings are expected to grow with 22.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.66
PEG (5Y)N/A
EPS Next 2Y22.78%
EPS Next 3YN/A

More info and screens

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

5

5. MFAO Dividend Analysis

5.1 Amount

  • MFAO has a Yearly Dividend Yield of 14.78%, which is a nice return.
  • Compared to an average industry Dividend Yield of 13.42, MFAO pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, MFAO pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.78%

5.2 History

  • On average, the dividend of MFAO grows each year by 7.85%, which is quite nice.
  • MFAO 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
MFAO Yearly Dividends per shareMFAO Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • MFAO pays out 138.93% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of MFAO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP138.93%
EPS Next 2Y22.78%
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 2025 0 200M -200M -400M -600M
MFAO Dividend Payout.MFAO Dividend Payout, showing the Payout Ratio.MFAO Dividend Payout.PayoutRetained Earnings

More info and screens

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MFAO Fundamentals: All Metrics, Ratios and Statistics

MFA FINANCIAL INC - MFA 9 08/15/29

NYSE:MFAO (3/27/2026, 8:04:00 PM)

24.88

-0.01 (-0.04%)

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 Cap2.54B
Revenue(TTM)852.78M
Net Income(TTM)135.68M
Analysts72
Price Target27.85 (11.94%)
Short Float %0%
Short Ratio0.35
Dividend
Industry RankSector Rank
Dividend Yield 14.78%
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)6
Avg Revenue beat(12)17.58%
Revenue beat(16)7
Avg Revenue beat(16)11.16%
PT rev (1m)0%
PT rev (3m)1.7%
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)0.99%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.66%
Revenue NY rev (1m)7.24%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 24.88
Fwd PE 18.07
P/S 2.98
P/FCF 33.31
P/OCF 33.31
P/B 1.39
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)1
EY4.02%
EPS(NY)1.38
Fwd EY5.53%
FCF(TTM)0.75
FCFY3%
OCF(TTM)0.75
OCFY3%
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 3Y13.91%
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 9 08/15/29 / MFAO Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 3 / 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 6 / 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 24.88 and the Price/Book (PB) ratio is 1.39.


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 4 / 10.