EARN
Ellington Credit Company
Asset Management
Market Cap$183M
5Y Perf.-48.6%
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Stock Comparison
EARN vs MITT
Revenue, margins, valuation, and 5-year total return — side by side.
MITT
TPG Mortgage Investment Trust Inc
REIT - Mortgage
Market Cap$249M
5Y Perf.+6.2%
EARN vs MITT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | EARN | MITT |
|---|---|---|
| Industry | Asset Management | REIT - Mortgage |
| Market Cap | $183M | $249M |
| Revenue (TTM) | $51M | $493M |
| Net Income (TTM) | $-5M | $34M |
| Gross Margin | 31.3% | 94.2% |
| Operating Margin | 14.0% | 93.3% |
| Forward P/E | 4.6x | 7.2x |
| Total Debt | $563M | $8.10B |
| Cash & Equiv. | $32M | $76M |
EARN vs MITT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EARN
MITT
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Ellington Credit Co… (EARN) | 100 | 51.4 | -48.6% |
| TPG Mortgage Invest… (MITT) | 100 | 106.2 | +6.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EARN vs MITT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: EARN leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. TPG Mortgage Investment Trust Inc is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
EARN
Ellington Credit Company
The Banking Pick
EARN carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.63, yield 16.8%
- 31.3% 10Y total return vs MITT's -16.9%
- Lower volatility, beta 0.63, current ratio 0.13x
Best for: income & stability and long-term compounding
MITT
TPG Mortgage Investment Trust Inc
The Real Estate Income Play
MITT is the clearest fit if your priority is growth exposure.
- Rev growth 14.4%, EPS growth -26.8%, 3Y rev CAGR 22.6%
- 14.4% FFO/revenue growth vs EARN's -8.4%
- +29.0% vs EARN's +8.0%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MITT | 14.4% FFO/revenue growth vs EARN's -8.4% |
| Value | EARN | Lower P/E (4.6x vs 7.2x) |
| Quality / Margins | EARN | 13.0% margin vs MITT's 6.8% |
| Stability / Safety | EARN | Beta 0.63 vs MITT's 0.90, lower leverage |
| Dividends | EARN | 16.8% yield, vs MITT's 10.0% |
| Momentum (1Y) | MITT | +29.0% vs EARN's +8.0% |
| Efficiency (ROA) | MITT | 0.4% ROA vs EARN's -0.6%, ROIC 4.5% vs 0.7% |
EARN vs MITT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2018
EARN vs MITT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMITTLAGGINGEARN
EARNEllington Credit Comp…
1leads
MITTTPG Mortgage Investme…
3leads
6 Total Categories
CATEGORYLEADERvs EARNMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
EARN3/5
Valuation MetricsMultiples, price ratios, and targets
MITT5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MITT5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MITT4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
EARN leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MITT is the larger business by revenue, generating $493M annually — 9.7x EARN's $51M. EARN is the more profitable business, keeping 13.0% of every revenue dollar as net income compared to MITT's 6.8%.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| RevenueTrailing 12 months | $51M | $493M |
| EBITDAEarnings before interest/tax | -$5M | $457M |
| Net IncomeAfter-tax profit | -$5M | $34M |
| Free Cash FlowCash after capex | $20M | $68M |
| Gross MarginGross profit ÷ Revenue | +31.3% | +94.2% |
| Operating MarginEBIT ÷ Revenue | +14.0% | +93.3% |
| Net MarginNet income ÷ Revenue | +13.0% | +6.8% |
| FCF MarginFCF ÷ Revenue | +18.0% | +13.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +20.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -2.1% | -2.3% |
EARN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
MITT leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, MITT trades at a 57% valuation discount to EARN's 20.3x P/E. On an enterprise value basis, MITT's 18.2x EV/EBITDA is more attractive than EARN's 100.6x.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| Market CapShares × price | $183M | $249M |
| Enterprise ValueMkt cap + debt − cash | $714M | $8.3B |
| Trailing P/EPrice ÷ TTM EPS | 20.29x | 8.71x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.62x | 7.20x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 100.63x | 18.25x |
| Price / SalesMarket cap ÷ Revenue | 3.61x | 0.53x |
| Price / BookPrice ÷ Book value/share | 0.68x | 0.43x |
| Price / FCFMarket cap ÷ FCF | 20.07x | 4.18x |
MITT leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
MITT leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MITT delivers a 6.1% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-3 for EARN. EARN carries lower financial leverage with a 2.91x debt-to-equity ratio, signaling a more conservative balance sheet compared to MITT's 14.45x. On the Piotroski fundamental quality scale (0–9), EARN scores 8/9 vs MITT's 3/9, reflecting strong financial health.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| ROE (TTM)Return on equity | -2.8% | +6.1% |
| ROA (TTM)Return on assets | -0.6% | +0.4% |
| ROICReturn on invested capital | +0.7% | +4.5% |
| ROCEReturn on capital employed | +3.7% | +6.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 3 |
| Debt / EquityFinancial leverage | 2.91x | 14.45x |
| Net DebtTotal debt minus cash | $531M | $8.0B |
| Cash & Equiv.Liquid assets | $32M | $76M |
| Total DebtShort + long-term debt | $563M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | -0.16x | 1.12x |
MITT leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MITT leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MITT five years ago would be worth $9,650 today (with dividends reinvested), compared to $8,259 for EARN. Over the past 12 months, MITT leads with a +29.0% total return vs EARN's +8.0%. The 3-year compound annual growth rate (CAGR) favors MITT at 23.4% vs EARN's 3.7% — a key indicator of consistent wealth creation.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| YTD ReturnYear-to-date | -2.1% | -5.6% |
| 1-Year ReturnPast 12 months | +8.0% | +29.0% |
| 3-Year ReturnCumulative with dividends | +11.7% | +87.9% |
| 5-Year ReturnCumulative with dividends | -17.4% | -3.5% |
| 10-Year ReturnCumulative with dividends | +31.3% | -16.9% |
| CAGR (3Y)Annualised 3-year return | +3.7% | +23.4% |
MITT leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — EARN and MITT each lead in 1 of 2 comparable metrics.
Risk & Volatility
EARN is the less volatile stock with a 0.63 beta — it tends to amplify market swings less than MITT's 0.90 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MITT currently trades 84.6% from its 52-week high vs EARN's 80.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.63x | 0.90x |
| 52-Week HighHighest price in past year | $6.08 | $9.27 |
| 52-Week LowLowest price in past year | $4.27 | $6.52 |
| % of 52W HighCurrent price vs 52-week peak | +80.1% | +84.6% |
| RSI (14)Momentum oscillator 0–100 | 61.4 | 50.5 |
| Avg Volume (50D)Average daily shares traded | 483K | 277K |
Evenly matched — EARN and MITT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — EARN and MITT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EARN as "Hold" and MITT as "Buy". Consensus price targets imply 23.2% upside for EARN (target: $6) vs 22.8% for MITT (target: $10). For income investors, EARN offers the higher dividend yield at 16.79% vs MITT's 10.04%.
| Metric | EARNEllington Credit … | MITTTPG Mortgage Inve… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $6.00 | $9.63 |
| # AnalystsCovering analysts | 7 | 18 |
| Dividend YieldAnnual dividend ÷ price | +16.8% | +10.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.82 | $0.79 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Evenly matched — EARN and MITT each lead in 1 of 2 comparable metrics.
Key Takeaway
MITT leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). EARN leads in 1 (Income & Cash Flow). 2 tied.
Best OverallTPG Mortgage Investment Tru… (MITT)Leads 3 of 6 categories
Loading custom metrics...
EARN vs MITT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EARN or MITT a better buy right now?
For growth investors, TPG Mortgage Investment Trust Inc (MITT) is the stronger pick with 14.
4% revenue growth year-over-year, versus -8. 4% for Ellington Credit Company (EARN). TPG Mortgage Investment Trust Inc (MITT) offers the better valuation at 8. 7x trailing P/E (7. 2x forward), making it the more compelling value choice. Analysts rate TPG Mortgage Investment Trust Inc (MITT) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EARN or MITT?
On trailing P/E, TPG Mortgage Investment Trust Inc (MITT) is the cheapest at 8.
7x versus Ellington Credit Company at 20. 3x. On forward P/E, Ellington Credit Company is actually cheaper at 4. 6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — EARN or MITT?
Over the past 5 years, TPG Mortgage Investment Trust Inc (MITT) delivered a total return of -3.
5%, compared to -17. 4% for Ellington Credit Company (EARN). Over 10 years, the gap is even starker: EARN returned +31. 3% versus MITT's -16. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EARN or MITT?
By beta (market sensitivity over 5 years), Ellington Credit Company (EARN) is the lower-risk stock at 0.
63β versus TPG Mortgage Investment Trust Inc's 0. 90β — meaning MITT is approximately 42% more volatile than EARN relative to the S&P 500. On balance sheet safety, Ellington Credit Company (EARN) carries a lower debt/equity ratio of 3% versus 14% for TPG Mortgage Investment Trust Inc — giving it more financial flexibility in a downturn.
05Which is growing faster — EARN or MITT?
By revenue growth (latest reported year), TPG Mortgage Investment Trust Inc (MITT) is pulling ahead at 14.
4% versus -8. 4% for Ellington Credit Company (EARN). On earnings-per-share growth, the picture is similar: Ellington Credit Company grew EPS -22. 6% year-over-year, compared to -26. 8% for TPG Mortgage Investment Trust Inc. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EARN or MITT?
Ellington Credit Company (EARN) is the more profitable company, earning 13.
0% net margin versus 10. 3% for TPG Mortgage Investment Trust Inc — meaning it keeps 13. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MITT leads at 96. 9% versus 14. 0% for EARN. At the gross margin level — before operating expenses — MITT leads at 94. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is EARN or MITT more undervalued right now?
On forward earnings alone, Ellington Credit Company (EARN) trades at 4.
6x forward P/E versus 7. 2x for TPG Mortgage Investment Trust Inc — 2. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EARN: 23. 2% to $6. 00.
08Which pays a better dividend — EARN or MITT?
All stocks in this comparison pay dividends.
Ellington Credit Company (EARN) offers the highest yield at 16. 8%, versus 10. 0% for TPG Mortgage Investment Trust Inc (MITT).
09Is EARN or MITT better for a retirement portfolio?
For long-horizon retirement investors, Ellington Credit Company (EARN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
63), 16. 8% yield). Both have compounded well over 10 years (EARN: +31. 3%, MITT: -16. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between EARN and MITT?
These companies operate in different sectors (EARN (Financial Services) and MITT (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: EARN is a small-cap income-oriented stock; MITT is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(EARN: -8.4% · MITT: 20.9%)Net Margin>
%
(EARN: 13.0% · MITT: 6.8%)P/E Ratio<
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