TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) Stock Fundamental Analysis
USA - NYSE:TWOD - US90187B8871
25.7 USD
-0.35 (-1.32%)
Overall TWOD gets a fundamental rating of 3 out of 10. We evaluated TWOD against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While TWOD is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, TWOD is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
TWOD had positive earnings in the past year.
TWOD had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: TWOD reported negative net income in multiple years.
In the past 5 years TWOD always reported a positive cash flow from operatings.
1.2 Ratios
TWOD has a worse Return On Assets (-2.23%) than 80.88% of its industry peers.
TWOD has a worse Return On Equity (-13.69%) than 82.35% of its industry peers.
TWOD has a worse Return On Invested Capital (0.23%) than 69.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.23% | ||
| ROE | -13.69% | ||
| ROIC | 0.23% |
ROA(3y)0.75%
ROA(5y)-1.08%
ROE(3y)4.44%
ROE(5y)-7.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
In the last couple of years the Profit Margin of TWOD has grown nicely.
With a Operating Margin value of 2.90%, TWOD is not doing good in the industry: 69.12% of the companies in the same industry are doing better.
TWOD's Operating Margin has improved in the last couple of years.
The Gross Margin of TWOD (42.34%) is better than 82.35% of its industry peers.
TWOD's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.9% | ||
| PM (TTM) | N/A | ||
| GM | 42.34% |
OM growth 3Y-12.74%
OM growth 5Y2.85%
PM growth 3Y-8.93%
PM growth 5Y1.71%
GM growth 3Y-9.32%
GM growth 5Y7.66%
2. Health
2.1 Basic Checks
The number of shares outstanding for TWOD has been increased compared to 1 year ago.
TWOD has more shares outstanding than it did 5 years ago.
TWOD has a better debt/assets ratio than last year.
2.2 Solvency
TWOD has an Altman-Z score of -1.03. This is a bad value and indicates that TWOD is not financially healthy and even has some risk of bankruptcy.
TWOD's Altman-Z score of -1.03 is on the low side compared to the rest of the industry. TWOD is outperformed by 94.12% of its industry peers.
A Debt/Equity ratio of 4.76 is on the high side and indicates that TWOD has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.76, TWOD is in line with its industry, outperforming 51.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.03 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.17 indicates that TWOD may have some problems paying its short term obligations.
TWOD has a Current ratio of 0.17. This is comparable to the rest of the industry: TWOD outperforms 50.00% of its industry peers.
TWOD has a Quick Ratio of 0.17. This is a bad value and indicates that TWOD is not financially healthy enough and could expect problems in meeting its short term obligations.
TWOD has a Quick ratio of 0.17. This is comparable to the rest of the industry: TWOD outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
TWOD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 350.00%, which is quite impressive.
Measured over the past years, TWOD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -36.86% on average per year.
TWOD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.13%.
TWOD shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.54% yearly.
EPS 1Y (TTM)350%
EPS 3Y-44.86%
EPS 5Y-36.86%
EPS Q2Q%176.92%
Revenue 1Y (TTM)11.13%
Revenue growth 3Y37.26%
Revenue growth 5Y-1.54%
Sales Q2Q%54.63%
3.2 Future
TWOD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.92% yearly.
TWOD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.29% yearly.
EPS Next Y133.22%
EPS Next 2Y62.78%
EPS Next 3Y38.92%
EPS Next 5YN/A
Revenue Next Year38.42%
Revenue Next 2Y19.91%
Revenue Next 3Y7.29%
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
A Price/Earnings ratio of 23.80 indicates a rather expensive valuation of TWOD.
TWOD's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of TWOD to the average of the S&P500 Index (26.11), we can say TWOD is valued inline with the index average.
The Price/Forward Earnings ratio is 17.64, which indicates a rather expensive current valuation of TWOD.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TWOD indicates a slightly more expensive valuation: TWOD is more expensive than 70.59% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.55, TWOD is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.8 | ||
| Fwd PE | 17.64 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TWOD's earnings are expected to grow with 38.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y62.78%
EPS Next 3Y38.92%
5. Dividend
5.1 Amount
TWOD has a Yearly Dividend Yield of 8.72%, which is a nice return.
With a Dividend Yield of 8.72, TWOD pays less dividend than the industry average, which is at 13.20. 83.82% of the companies listed in the same industry pay a better dividend than TWOD!
TWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.72% |
5.2 History
The dividend of TWOD decreases each year by -22.81%.
TWOD does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-22.81%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
TWOD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-95.66%
EPS Next 2Y62.78%
EPS Next 3Y38.92%
TWO HARBORS INV CORP - TWO 9 3/8 08/15/30
NYSE:TWOD (10/31/2025, 8:17:27 PM)
25.7
-0.35 (-1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners73.23%
Inst Owner ChangeN/A
Ins Owners0.85%
Ins Owner ChangeN/A
Market Cap2.68B
Revenue(TTM)933.29M
Net Income(TTM)-242616000
Analysts72.31
Price Target30.5 (18.68%)
Short Float %0%
Short Ratio0.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.72% |
Yearly Dividend2.27
Dividend Growth(5Y)-22.81%
DP-95.66%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.86%
Min EPS beat(2)-24.05%
Max EPS beat(2)-1.67%
EPS beat(4)0
Avg EPS beat(4)-26.75%
Min EPS beat(4)-44.22%
Max EPS beat(4)-1.67%
EPS beat(8)0
Avg EPS beat(8)-49.08%
EPS beat(12)0
Avg EPS beat(12)-61.9%
EPS beat(16)2
Avg EPS beat(16)-46.7%
Revenue beat(2)2
Avg Revenue beat(2)12.53%
Min Revenue beat(2)5.25%
Max Revenue beat(2)19.81%
Revenue beat(4)3
Avg Revenue beat(4)6.94%
Min Revenue beat(4)-30.77%
Max Revenue beat(4)33.5%
Revenue beat(8)5
Avg Revenue beat(8)477.35%
Revenue beat(12)8
Avg Revenue beat(12)44113.3%
Revenue beat(16)12
Avg Revenue beat(16)33397.5%
PT rev (1m)3.38%
PT rev (3m)-11.36%
EPS NQ rev (1m)3.94%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)1.96%
EPS NY rev (3m)-9.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.8 | ||
| Fwd PE | 17.64 | ||
| P/S | 2.87 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.51 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.08
EY4.2%
EPS(NY)1.46
Fwd EY5.67%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.47
OCFYN/A
SpS8.96
BVpS17.01
TBVpS17.01
PEG (NY)0.18
PEG (5Y)N/A
Graham Number20.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.23% | ||
| ROE | -13.69% | ||
| ROCE | 0.83% | ||
| ROIC | 0.23% | ||
| ROICexc | 0.24% | ||
| ROICexgc | 0.25% | ||
| OM | 2.9% | ||
| PM (TTM) | N/A | ||
| GM | 42.34% | ||
| FCFM | N/A |
ROA(3y)0.75%
ROA(5y)-1.08%
ROE(3y)4.44%
ROE(5y)-7.45%
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 3Y18.51%
ROICexgc growth 5Y28.04%
ROICexc growth 3Y18.92%
ROICexc growth 5Y27.73%
OM growth 3Y-12.74%
OM growth 5Y2.85%
PM growth 3Y-8.93%
PM growth 5Y1.71%
GM growth 3Y-9.32%
GM growth 5Y7.66%
F-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.76 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 | ||
| Altman-Z | -1.03 |
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)350%
EPS 3Y-44.86%
EPS 5Y-36.86%
EPS Q2Q%176.92%
EPS Next Y133.22%
EPS Next 2Y62.78%
EPS Next 3Y38.92%
EPS Next 5YN/A
Revenue 1Y (TTM)11.13%
Revenue growth 3Y37.26%
Revenue growth 5Y-1.54%
Sales Q2Q%54.63%
Revenue Next Year38.42%
Revenue Next 2Y19.91%
Revenue Next 3Y7.29%
Revenue Next 5YN/A
EBIT growth 1Y113.23%
EBIT growth 3Y19.78%
EBIT growth 5Y1.26%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-110.49%
FCF growth 3Y-22%
FCF growth 5Y-28.24%
OCF growth 1Y-110.49%
OCF growth 3Y-22%
OCF growth 5Y-28.24%
TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 / TWOD FAQ
Can you provide the ChartMill fundamental rating for TWO HARBORS INV CORP - TWO 9 3/8 08/15/30?
ChartMill assigns a fundamental rating of 3 / 10 to TWOD.
What is the valuation status for TWOD stock?
ChartMill assigns a valuation rating of 3 / 10 to TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD). This can be considered as Overvalued.
How profitable is TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) stock?
TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) has a profitability rating of 4 / 10.
What are the PE and PB ratios of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) stock?
The Price/Earnings (PE) ratio for TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) is 23.8 and the Price/Book (PB) ratio is 1.51.
Can you provide the financial health for TWOD stock?
The financial health rating of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) is 1 / 10.