MFA FINANCIAL INC - MFA 9 08/15/29 (MFAO) Stock Fundamental Analysis
USA - NYSE:MFAO - US55272X8056
25.25 USD
0 (0%)
Taking everything into account, MFAO scores 4 out of 10 in our fundamental rating. MFAO was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MFAO has an average financial health and profitability rating. MFAO has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
MFAO had positive earnings in the past year.
MFAO had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: MFAO reported negative net income in multiple years.
Each year in the past 5 years MFAO had a positive operating cash flow.
1.2 Ratios
The Return On Assets of MFAO (0.79%) is better than 79.10% of its industry peers.
With a decent Return On Equity value of 5.08%, MFAO is doing good in the industry, outperforming 79.10% of the companies in the same industry.
MFAO's Return On Invested Capital of 0.91% is fine compared to the rest of the industry. MFAO outperforms 73.13% 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
With a decent Profit Margin value of 11.53%, MFAO is doing good in the industry, outperforming 73.13% of the companies in the same industry.
In the last couple of years the Profit Margin of MFAO has declined.
The Operating Margin of MFAO (16.31%) is better than 74.63% 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 77.61% 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.
The number of shares outstanding for MFAO has been reduced compared to 5 years ago.
MFAO has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.04, we must say that MFAO is in the distress zone and has some risk of bankruptcy.
MFAO has a Altman-Z score of 0.04. This is in the better half of the industry: MFAO outperforms 65.67% of its industry peers.
MFAO has a debt to FCF ratio of 76.65. This is a negative value and a sign of low solvency as MFAO would need 76.65 years to pay back of all of its debts.
MFAO has a better Debt to FCF ratio (76.65) than 62.69% of its industry peers.
A Debt/Equity ratio of 5.22 is on the high side and indicates that MFAO has dependencies on debt financing.
The Debt to Equity ratio of MFAO (5.22) is comparable to the rest of the 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
A Current Ratio of 1.10 indicates that MFAO should not have too much problems paying its short term obligations.
The Current ratio of MFAO (1.10) is better than 77.61% of its industry peers.
MFAO has a Quick Ratio of 1.10. This is a normal value and indicates that MFAO is financially healthy and should not expect problems in meeting its short term obligations.
MFAO's Quick ratio of 1.10 is fine compared to the rest of the industry. MFAO outperforms 77.61% 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 MFAO have decreased strongly by -23.21% in the last year.
MFAO shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.50% yearly.
MFAO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.38%.
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)-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, MFAO will show a small growth in Earnings Per Share. The EPS will grow by 0.33% on average per year.
The Revenue is expected to grow by 12.28% on average over the next years. This is quite good.
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.
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
Based on the Price/Earnings ratio of 19.57, the valuation of MFAO can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as MFAO.
MFAO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 17.54, the valuation of MFAO can be described as rather expensive.
Based on the Price/Forward Earnings ratio, MFAO is valued a bit more expensive than the industry average as 68.66% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, MFAO is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.57 | ||
| Fwd PE | 17.54 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as MFAO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.9 | ||
| 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
MFAO has a Yearly Dividend Yield of 14.12%, which is a nice return.
MFAO's Dividend Yield is rather good when compared to the industry average which is at 11.44. MFAO pays more dividend than 89.55% of the companies in the same industry.
MFAO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.12% |
5.2 History
The dividend of MFAO decreases each year by -12.34%.
MFAO 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 MFAO. This is not a sustainable payout ratio.
DP195.15%
EPS Next 2Y-3.64%
EPS Next 3Y0.33%
MFA FINANCIAL INC - MFA 9 08/15/29
NYSE:MFAO (9/12/2025, 8:04:01 PM)
25.25
0 (0%)
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 Target28.03 (11.01%)
Short Float %0%
Short Ratio0.03
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)6
Avg Revenue beat(12)30.97%
Revenue beat(16)8
Avg Revenue beat(16)29.76%
PT rev (1m)-8.28%
PT rev (3m)-11.29%
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 | 19.57 | ||
| Fwd PE | 17.54 | ||
| P/S | 3.23 | ||
| P/FCF | 20.9 | ||
| P/OCF | 20.9 | ||
| P/B | 1.42 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.11%
EPS(NY)1.44
Fwd EY5.7%
FCF(TTM)1.21
FCFY4.78%
OCF(TTM)1.21
OCFY4.78%
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%