MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) Stock Fundamental Analysis
USA - NYSE:MFAO - US55272X8056
25.12 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to MFAO. MFAO was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MFAO has only an average score on both its financial health and profitability. MFAO is valied quite expensively at the moment, while it does show a decent growth rate.
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.
The reported net income has been mixed in the past 5 years: MFAO reported negative net income in multiple years.
MFAO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MFAO (0.79%) is better than 76.47% of its industry peers.
With a decent Return On Equity value of 5.08%, MFAO is doing good in the industry, outperforming 63.24% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.91%, MFAO is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
| 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
MFAO has a Profit Margin of 11.53%. This is comparable to the rest of the industry: MFAO outperforms 55.88% of its industry peers.
MFAO's Profit Margin has declined in the last couple of years.
MFAO has a Operating Margin of 16.31%. This is in the better half of the industry: MFAO outperforms 60.29% of its industry peers.
MFAO's Operating Margin has declined in the last couple of years.
MFAO has a Gross Margin of 36.64%. This is in the better half of the industry: MFAO outperforms 75.00% of its industry peers.
In the last couple of years the Gross Margin of MFAO has declined.
| 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
MFAO has about the same amout of shares outstanding than it did 1 year ago.
MFAO has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MFAO has a worse debt to assets ratio.
2.2 Solvency
MFAO has an Altman-Z score of 0.04. This is a bad value and indicates that MFAO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.04, MFAO is in the better half of the industry, outperforming 66.18% of the companies in the same industry.
The Debt to FCF ratio of MFAO is 76.65, which is on the high side as it means it would take MFAO, 76.65 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 76.65, MFAO is in the better half of the industry, outperforming 69.12% of the companies in the same industry.
MFAO has a Debt/Equity ratio of 5.22. This is a high value indicating a heavy dependency on external financing.
MFAO's Debt to Equity ratio of 5.22 is in line compared to the rest of the industry. MFAO outperforms 47.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.22 | ||
| Debt/FCF | 76.65 | ||
| Altman-Z | 0.04 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.10 indicates that MFAO should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.10, MFAO is doing good in the industry, outperforming 76.47% of the companies in the same industry.
A Quick Ratio of 1.10 indicates that MFAO should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.10, MFAO is doing good in the industry, outperforming 76.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
The earnings per share for MFAO have decreased strongly by -32.12% in the last year.
Measured over the past years, MFAO shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.50% on average per year.
The Revenue has grown by 21.85% in the past year. This is a very strong growth!
Measured over the past years, MFAO shows a decrease in Revenue. The Revenue has been decreasing by -0.04% on average per year.
EPS 1Y (TTM)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
Revenue 1Y (TTM)21.85%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
3.2 Future
Based on estimates for the next years, MFAO will show a small growth in Earnings Per Share. The EPS will grow by 0.65% on average per year.
MFAO 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-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
EPS Next 5YN/A
Revenue Next Year4.4%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MFAO is valuated rather expensively with a Price/Earnings ratio of 22.43.
Compared to the rest of the industry, the Price/Earnings ratio of MFAO is on the same level as its industry peers.
When comparing the Price/Earnings ratio of MFAO to the average of the S&P500 Index (25.51), we can say MFAO is valued inline with the index average.
MFAO is valuated rather expensively with a Price/Forward Earnings ratio of 17.51.
69.12% of the companies in the same industry are cheaper than MFAO, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.98. MFAO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.43 | ||
| Fwd PE | 17.51 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
5. Dividend
5.1 Amount
MFAO has a Yearly Dividend Yield of 15.55%, which is a nice return.
Compared to an average industry Dividend Yield of 11.97, MFAO pays a better dividend. On top of this MFAO pays more dividend than 94.12% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, MFAO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.55% |
5.2 History
The dividend of MFAO decreases each year by -12.34%.
MFAO is new to the dividend game and has less than 3 years of track record.
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 MFAO. This is not a sustainable payout ratio.
DP195.15%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
MFA FINANCIAL INC - MFA 9 08/15/29
NYSE:MFAO (11/18/2025, 6:30:00 PM)
25.12
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners59.12%
Inst Owner ChangeN/A
Ins Owners0.88%
Ins Owner ChangeN/A
Market Cap2.58B
Revenue(TTM)806.26M
Net Income(TTM)92.65M
Analysts72
Price Target30.87 (22.89%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.55% |
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)6
Avg Revenue beat(12)30.97%
Revenue beat(16)8
Avg Revenue beat(16)29.76%
PT rev (1m)3.53%
PT rev (3m)1.01%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)-3.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.43 | ||
| Fwd PE | 17.51 | ||
| P/S | 3.21 | ||
| P/FCF | 20.8 | ||
| P/OCF | 20.8 | ||
| P/B | 1.42 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY4.46%
EPS(NY)1.43
Fwd EY5.71%
FCF(TTM)1.21
FCFY4.81%
OCF(TTM)1.21
OCFY4.81%
SpS7.82
BVpS17.75
TBVpS17.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.15
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
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-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)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
EPS Next Y-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
EPS Next 5YN/A
Revenue 1Y (TTM)21.85%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
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%
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 4 / 10 to MFAO.
Can you provide the valuation status for MFA FINANCIAL INC - MFA 9 08/15/29?
ChartMill assigns a valuation rating of 2 / 10 to MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO). This can be considered as Overvalued.
What is the profitability of MFAO stock?
MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) has a profitability rating of 4 / 10.
What is the valuation of MFA FINANCIAL INC - MFA 9 08/15/29 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) is 22.43 and the Price/Book (PB) ratio is 1.42.
What is the earnings growth outlook for MFA FINANCIAL INC - MFA 9 08/15/29?
The Earnings per Share (EPS) of MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) is expected to decline by -28.58% in the next year.