TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TWOD - US90187B8871
25.85 USD
-0.03 (-0.12%)
We assign a fundamental rating of 3 out of 10 to TWOD. TWOD was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. TWOD has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In multiple years TWOD reported negative net income over the last 5 years.
Each year in the past 5 years TWOD had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -2.23%, TWOD is not doing good in the industry: 80.88% of the companies in the same industry are doing better.
TWOD has a Return On Equity of -13.70%. This is amonst the worse of the industry: TWOD underperforms 83.82% of its industry peers.
TWOD's Return On Invested Capital of 0.23% is on the low side compared to the rest of the industry. TWOD is outperformed by 70.59% of its industry peers.
| 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
TWOD's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 2.96%, TWOD is doing worse than 73.53% of the companies in the same industry.
In the last couple of years the Operating Margin of TWOD has grown nicely.
With an excellent Gross Margin value of 42.34%, TWOD belongs to the best of the industry, outperforming 80.88% of the companies in the same industry.
TWOD's Gross Margin has improved in the last couple of years.
| 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
TWOD has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TWOD has more shares outstanding
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 has a worse Altman-Z score (-1.03) than 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
TWOD has a Current 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 Current ratio (0.17) which is in line with 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 (0.17) which is in line with 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.
The earnings per share for TWOD have been decreasing by -36.86% on average. This is quite bad
The Revenue has grown by 11.13% in the past year. This is quite good.
The Revenue has been decreasing by -1.54% on average over the past years.
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
The Earnings Per Share is expected to grow by 39.13% on average over the next years. This is a very strong growth
TWOD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.42% yearly.
EPS Next Y125.87%
EPS Next 2Y62.37%
EPS Next 3Y39.13%
EPS Next 5YN/A
Revenue Next Year42.68%
Revenue Next 2Y22.49%
Revenue Next 3Y16.42%
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
The Price/Earnings ratio is 23.94, which indicates a rather expensive current valuation of TWOD.
Compared to the rest of the industry, the Price/Earnings ratio of TWOD is on the same level as its industry peers.
TWOD's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.19.
TWOD is valuated rather expensively with a Price/Forward Earnings ratio of 17.83.
64.71% of the companies in the same industry are cheaper than TWOD, based on the Price/Forward Earnings ratio.
TWOD is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.94 | ||
| Fwd PE | 17.83 |
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 39.13% in the coming years.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y62.37%
EPS Next 3Y39.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.71%, TWOD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 11.16, TWOD is paying slightly less dividend.
TWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.71% |
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-95.7%
EPS Next 2Y62.37%
EPS Next 3Y39.13%
TWO HARBORS INV CORP - TWO 9 3/8 08/15/30
NYSE:TWOD (1/9/2026, 8:04:00 PM)
25.85
-0.03 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners70.4%
Inst Owner ChangeN/A
Ins Owners1.14%
Ins Owner ChangeN/A
Market Cap2.69B
Revenue(TTM)933.29M
Net Income(TTM)-242.81M
Analysts72.31
Price Target25.08 (-2.98%)
Short Float %0%
Short Ratio0.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.71% |
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)-14.43%
PT rev (3m)-17.45%
EPS NQ rev (1m)4.11%
EPS NQ rev (3m)-1.53%
EPS NY rev (1m)1.65%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)15.15%
Revenue NQ rev (3m)34.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.94 | ||
| Fwd PE | 17.83 | ||
| P/S | 2.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.52 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.08
EY4.18%
EPS(NY)1.45
Fwd EY5.61%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.47
OCFYN/A
SpS8.96
BVpS17.01
TBVpS17.01
PEG (NY)0.19
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 Y125.87%
EPS Next 2Y62.37%
EPS Next 3Y39.13%
EPS Next 5YN/A
Revenue 1Y (TTM)11.13%
Revenue growth 3Y37.26%
Revenue growth 5Y-1.54%
Sales Q2Q%54.63%
Revenue Next Year42.68%
Revenue Next 2Y22.49%
Revenue Next 3Y16.42%
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 of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (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 is the financial health of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) stock?
The financial health rating of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) is 1 / 10.
How sustainable is the dividend of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) stock?
The dividend rating of TWO HARBORS INV CORP - TWO 9 3/8 08/15/30 (TWOD) is 3 / 10 and the dividend payout ratio is -95.7%.