TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TWOD - US90187B8871
25.6093 USD
-0.03 (-0.12%)
Taking everything into account, TWOD scores 3 out of 10 in our fundamental rating. TWOD was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of TWOD have multiple concerns. TWOD is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In multiple years TWOD reported negative net income over the last 5 years.
TWOD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.23%, TWOD is doing worse than 81.16% of the companies in the same industry.
TWOD's Return On Equity of -13.70% is on the low side compared to the rest of the industry. TWOD is outperformed by 84.06% of its industry peers.
With a Return On Invested Capital value of 0.23%, TWOD is not doing good in the industry: 71.01% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.23% | ||
| ROE | -13.7% | ||
| 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.
TWOD has a Operating Margin of 2.96%. This is in the lower half of the industry: TWOD underperforms 78.26% of its industry peers.
In the last couple of years the Operating Margin of TWOD has grown nicely.
TWOD's Gross Margin of 42.34% is fine compared to the rest of the industry. TWOD outperforms 79.71% of its industry peers.
In the last couple of years the Gross Margin of TWOD has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.96% | ||
| PM (TTM) | N/A | ||
| GM | 42.34% |
OM growth 3Y-12.76%
OM growth 5Y2.83%
PM growth 3Y-8.93%
PM growth 5Y1.71%
GM growth 3Y-9.32%
GM growth 5Y7.66%
2. Health
2.1 Basic Checks
Compared to 1 year ago, TWOD has more shares outstanding
TWOD has more shares outstanding than it did 5 years ago.
TWOD has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.03, we must say that TWOD is in the distress zone and has some risk of bankruptcy.
TWOD has a worse Altman-Z score (-1.03) than 94.20% 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.
TWOD has a Debt to Equity ratio of 4.76. This is comparable to the rest of the industry: TWOD outperforms 50.72% of its industry peers.
| 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 52.17% of its industry peers.
A Quick Ratio of 0.17 indicates that TWOD may have some problems paying its short term obligations.
TWOD has a Quick ratio of 0.17. This is comparable to the rest of the industry: TWOD outperforms 52.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 350.00% over the past year.
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.
Looking at the last year, TWOD shows a quite strong growth in Revenue. The Revenue has grown by 11.13% in the last year.
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.
The Revenue is expected to grow by 7.29% on average over the next years.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
TWOD is valuated rather expensively with a Price/Earnings ratio of 23.71.
TWOD's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.41. TWOD is around the same levels.
Based on the Price/Forward Earnings ratio of 17.57, the valuation of TWOD can be described as rather expensive.
Based on the Price/Forward Earnings ratio, TWOD is valued a bit more expensive than 69.57% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, TWOD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.71 | ||
| Fwd PE | 17.57 |
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.
A more expensive valuation may be justified as TWOD's earnings are expected to grow with 38.92% in the coming years.
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 15.96%, which is a nice return.
TWOD's Dividend Yield is rather good when compared to the industry average which is at 13.00. TWOD pays more dividend than 85.51% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, TWOD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.96% |
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
The earnings of TWOD are negative and hence is the payout ratio. TWOD will probably not be able to sustain this dividend level.
DP-95.7%
EPS Next 2Y62.78%
EPS Next 3Y38.92%
TWO HARBORS INV CORP - TWO 9 3/8 08/15/30
NYSE:TWOD (12/5/2025, 9:49:45 AM)
25.6093
-0.03 (-0.12%)
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 Cap2.67B
Revenue(TTM)933.29M
Net Income(TTM)-242.81M
Analysts72.31
Price Target29.31 (14.45%)
Short Float %0%
Short Ratio0.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.96% |
Yearly Dividend2.27
Dividend Growth(5Y)-22.81%
DP-95.7%
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)-3.9%
PT rev (3m)-1.01%
EPS NQ rev (1m)-5.75%
EPS NQ rev (3m)-1.44%
EPS NY rev (1m)1.6%
EPS NY rev (3m)11.73%
Revenue NQ rev (1m)31.06%
Revenue NQ rev (3m)31.06%
Revenue NY rev (1m)4.62%
Revenue NY rev (3m)4.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.71 | ||
| Fwd PE | 17.57 | ||
| P/S | 2.86 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.51 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.08
EY4.22%
EPS(NY)1.46
Fwd EY5.69%
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 | -13.7% | ||
| ROCE | 0.84% | ||
| ROIC | 0.23% | ||
| ROICexc | 0.25% | ||
| ROICexgc | 0.26% | ||
| OM | 2.96% | ||
| 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 3Y18.48%
ROICexgc growth 5Y28.02%
ROICexc growth 3Y18.89%
ROICexc growth 5Y27.71%
OM growth 3Y-12.76%
OM growth 5Y2.83%
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 1Y113.47%
EBIT growth 3Y19.75%
EBIT growth 5Y1.25%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-110.47%
FCF growth 3Y-22%
FCF growth 5Y-28.24%
OCF growth 1Y-110.47%
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 3 / 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 23.71 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.