AG MORTGAGE INVESTMENT TRUST (MITT) Stock Fundamental Analysis
USA - NYSE:MITT - US0012285013 - REIT
7.34 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to MITT. MITT was compared to 66 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While MITT is still in line with the averages on profitability rating, there are concerns on its financial health. MITT has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year MITT was profitable.
MITT had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: MITT reported negative net income in multiple years.
Each year in the past 5 years MITT had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.34%, MITT is doing good in the industry, outperforming 60.61% of the companies in the same industry.
With a decent Return On Equity value of 4.76%, MITT is doing good in the industry, outperforming 75.76% of the companies in the same industry.
With a Return On Invested Capital value of 0.38%, MITT perfoms like the industry average, outperforming 59.09% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MITT is in line with the industry average of 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 4.76% | ||
| ROIC | 0.38% |
ROA(3y)-0.18%
ROA(5y)-5.75%
ROE(3y)-0.68%
ROE(5y)-18.43%
ROIC(3y)0.43%
ROIC(5y)0.52%
1.3 Margins
MITT's Profit Margin of 5.90% is in line compared to the rest of the industry. MITT outperforms 51.52% of its industry peers.
MITT's Profit Margin has declined in the last couple of years.
MITT has a Operating Margin (8.29%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of MITT has declined.
With a Gross Margin value of 12.15%, MITT is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of MITT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.29% | ||
| PM (TTM) | 5.9% | ||
| GM | 12.15% |
OM growth 3Y-33.53%
OM growth 5Y-22.66%
PM growth 3Y-58.15%
PM growth 5Y-27.59%
GM growth 3Y-35.88%
GM growth 5Y-21.14%
2. Health
2.1 Basic Checks
Compared to 1 year ago, MITT has more shares outstanding
Compared to 5 years ago, MITT has more shares outstanding
MITT has a worse debt/assets ratio than last year.
2.2 Solvency
MITT has an Altman-Z score of -0.12. This is a bad value and indicates that MITT is not financially healthy and even has some risk of bankruptcy.
MITT has a Altman-Z score (-0.12) which is comparable to the rest of the industry.
The Debt to FCF ratio of MITT is 128.19, which is on the high side as it means it would take MITT, 128.19 years of fcf income to pay off all of its debts.
MITT has a Debt to FCF ratio (128.19) which is comparable to the rest of the industry.
MITT has a Debt/Equity ratio of 12.82. This is a high value indicating a heavy dependency on external financing.
MITT has a worse Debt to Equity ratio (12.82) than 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.82 | ||
| Debt/FCF | 128.19 | ||
| Altman-Z | -0.12 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MITT has a Current Ratio of 0.15. This is a bad value and indicates that MITT is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of MITT (0.15) is comparable to the rest of the industry.
MITT has a Quick Ratio of 0.15. This is a bad value and indicates that MITT is not financially healthy enough and could expect problems in meeting its short term obligations.
MITT's Quick ratio of 0.15 is in line compared to the rest of the industry. MITT outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
MITT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 273.91%, which is quite impressive.
Measured over the past years, MITT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.19% on average per year.
Looking at the last year, MITT shows a very strong growth in Revenue. The Revenue has grown by 28.47%.
The Revenue has been growing by 18.93% on average over the past years. This is quite good.
EPS 1Y (TTM)273.91%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%-150%
Revenue 1Y (TTM)28.47%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%8.37%
3.2 Future
MITT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.25% yearly.
The Revenue is expected to grow by 10.75% on average over the next years. This is quite good.
EPS Next Y-43.2%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
EPS Next 5YN/A
Revenue Next Year13.99%
Revenue Next 2Y13.97%
Revenue Next 3Y10.75%
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.53 indicates a reasonable valuation of MITT.
Based on the Price/Earnings ratio, MITT is valued a bit cheaper than the industry average as 78.79% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of MITT to the average of the S&P500 Index (27.57), we can say MITT is valued rather cheaply.
The Price/Forward Earnings ratio is 7.80, which indicates a rather cheap valuation of MITT.
Based on the Price/Forward Earnings ratio, MITT is valued a bit cheaper than the industry average as 69.70% of the companies are valued more expensively.
MITT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 7.8 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MITT indicates a rather cheap valuation: MITT is cheaper than 93.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.49%, MITT is a good candidate for dividend investing.
MITT's Dividend Yield is slightly below the industry average, which is at 13.03.
MITT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.49% |
5.2 History
The dividend of MITT decreases each year by -30.15%.
MITT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-30.15%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
MITT pays out 170.19% of its income as dividend. This is not a sustainable payout ratio.
DP170.19%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
NYSE:MITT (10/23/2025, 1:37:17 PM)
7.34
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners32.61%
Inst Owner Change-0.11%
Ins Owners2.94%
Ins Owner Change1.25%
Market Cap232.90M
Revenue(TTM)433.10M
Net Income(TTM)25.54M
Analysts78.33
Price Target8.67 (18.12%)
Short Float %1.76%
Short Ratio2.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.49% |
Yearly Dividend1.26
Dividend Growth(5Y)-30.15%
DP170.19%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-50.9%
Min EPS beat(2)-122.91%
Max EPS beat(2)21.11%
EPS beat(4)3
Avg EPS beat(4)29.9%
Min EPS beat(4)-122.91%
Max EPS beat(4)142.07%
EPS beat(8)4
Avg EPS beat(8)-37.6%
EPS beat(12)7
Avg EPS beat(12)-333.89%
EPS beat(16)9
Avg EPS beat(16)-380.29%
Revenue beat(2)0
Avg Revenue beat(2)-9.82%
Min Revenue beat(2)-16.34%
Max Revenue beat(2)-3.31%
Revenue beat(4)0
Avg Revenue beat(4)-9.66%
Min Revenue beat(4)-16.34%
Max Revenue beat(4)-3.31%
Revenue beat(8)1
Avg Revenue beat(8)-6.39%
Revenue beat(12)3
Avg Revenue beat(12)24.77%
Revenue beat(16)7
Avg Revenue beat(16)30.8%
PT rev (1m)0%
PT rev (3m)1.8%
EPS NQ rev (1m)-2.94%
EPS NQ rev (3m)-12%
EPS NY rev (1m)1.11%
EPS NY rev (3m)-21.98%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 7.8 | ||
| P/S | 0.54 | ||
| P/FCF | 4.34 | ||
| P/OCF | 4.34 | ||
| P/B | 0.43 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.86
EY11.72%
EPS(NY)0.94
Fwd EY12.82%
FCF(TTM)1.69
FCFY23.04%
OCF(TTM)1.69
OCFY23.04%
SpS13.65
BVpS16.91
TBVpS16.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 4.76% | ||
| ROCE | 0.55% | ||
| ROIC | 0.38% | ||
| ROICexc | 0.39% | ||
| ROICexgc | 0.39% | ||
| OM | 8.29% | ||
| PM (TTM) | 5.9% | ||
| GM | 12.15% | ||
| FCFM | 12.39% |
ROA(3y)-0.18%
ROA(5y)-5.75%
ROE(3y)-0.68%
ROE(5y)-18.43%
ROIC(3y)0.43%
ROIC(5y)0.52%
ROICexc(3y)0.44%
ROICexc(5y)0.54%
ROICexgc(3y)0.44%
ROICexgc(5y)0.54%
ROCE(3y)0.62%
ROCE(5y)0.94%
ROICexgc growth 3Y-6.27%
ROICexgc growth 5Y-16.26%
ROICexc growth 3Y-6.26%
ROICexc growth 5Y-16.25%
OM growth 3Y-33.53%
OM growth 5Y-22.66%
PM growth 3Y-58.15%
PM growth 5Y-27.59%
GM growth 3Y-35.88%
GM growth 5Y-21.14%
F-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.82 | ||
| Debt/FCF | 128.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.11 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 210.08% | ||
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 | ||
| Altman-Z | -0.12 |
F-Score5
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)273.91%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%-150%
EPS Next Y-43.2%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
EPS Next 5YN/A
Revenue 1Y (TTM)28.47%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%8.37%
Revenue Next Year13.99%
Revenue Next 2Y13.97%
Revenue Next 3Y10.75%
Revenue Next 5YN/A
EBIT growth 1Y24.84%
EBIT growth 3Y19.27%
EBIT growth 5Y-8.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y117.21%
FCF growth 3Y28.53%
FCF growth 5Y-3.05%
OCF growth 1Y117.21%
OCF growth 3Y28.53%
OCF growth 5Y-3.05%