MFAN
MFA Financial, Inc. 8.875% Senior Notes
REIT - Mortgage
Market Cap$2.57B
5Y Perf.+0.6%
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Stock Comparison
MFAN vs GPMT
Revenue, margins, valuation, and 5-year total return — side by side.
GPMT
Granite Point Mortgage Trust Inc.
REIT - Mortgage
Market Cap$74M
5Y Perf.-72.4%
MFAN vs GPMT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MFAN | GPMT |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $2.57B | $74M |
| Revenue (TTM) | $418M | $132M |
| Net Income (TTM) | $177M | $-40M |
| Gross Margin | 116.7% | 47.3% |
| Operating Margin | 63.3% | -4.3% |
| Forward P/E | 18.4x | — |
| Total Debt | $10.99B | $1.17B |
| Cash & Equiv. | $213M | $66M |
MFAN vs GPMT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MFAN
GPMT
| Stock | Jan 24 | May 26 | Return |
|---|---|---|---|
| MFA Financial, Inc.… (MFAN) | 100 | 100.6 | +0.6% |
| Granite Point Mortg… (GPMT) | 100 | 27.6 | -72.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MFAN vs GPMT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MFAN leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Granite Point Mortgage Trust Inc. is the stronger pick specifically for valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
MFAN
MFA Financial, Inc. 8.875% Senior Notes
The Real Estate Income Play
MFAN carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.54, yield 7.1%
- Rev growth 213.0%, EPS growth 104.9%
- 20.2% 10Y total return vs GPMT's -50.0%
Best for: income & stability and growth exposure
GPMT
Granite Point Mortgage Trust Inc.
The Real Estate Income Play
GPMT is the clearest fit if your priority is value.
- Better valuation composite
Best for: value
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MFAN | 213.0% FFO/revenue growth vs GPMT's 187.8% |
| Value | GPMT | Better valuation composite |
| Quality / Margins | MFAN | 42.2% margin vs GPMT's -30.5% |
| Stability / Safety | MFAN | Beta 0.54 vs GPMT's 1.44 |
| Dividends | MFAN | 7.1% yield, 1-year raise streak, vs GPMT's 14.0% |
| Momentum (1Y) | MFAN | +10.3% vs GPMT's -19.7% |
| Efficiency (ROA) | MFAN | 1.5% ROA vs GPMT's -2.3%, ROIC 4.4% vs 2.6% |
MFAN vs GPMT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMFANLAGGINGGPMT
GPMTGranite Point Mortgag…
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MFANMFA Financial, Inc. 8…
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6 Total Categories
CATEGORYLEADERvs GPMTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MFAN5/6
Valuation MetricsMultiples, price ratios, and targets
GPMT4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MFAN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MFAN6/6
Risk & VolatilityBeta, volatility, and downside exposure
MFAN2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
MFAN leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MFAN is the larger business by revenue, generating $418M annually — 3.2x GPMT's $132M. MFAN is the more profitable business, keeping 42.2% of every revenue dollar as net income compared to GPMT's -30.5%. On growth, GPMT holds the edge at +157.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| RevenueTrailing 12 months | $418M | $132M |
| EBITDAEarnings before interest/tax | $266M | -$8M |
| Net IncomeAfter-tax profit | $177M | -$40M |
| Free Cash FlowCash after capex | $76M | $463,000 |
| Gross MarginGross profit ÷ Revenue | +116.7% | +47.3% |
| Operating MarginEBIT ÷ Revenue | +63.3% | -4.3% |
| Net MarginNet income ÷ Revenue | +42.2% | -30.5% |
| FCF MarginFCF ÷ Revenue | +18.2% | +0.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +111.3% | +157.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +27.0% | +40.9% |
MFAN leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
GPMT leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, MFAN's 19.3x EV/EBITDA is more attractive than GPMT's 20.8x.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| Market CapShares × price | $2.6B | $74M |
| Enterprise ValueMkt cap + debt − cash | $13.3B | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 14.97x | -1.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 18.45x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 19.34x | 20.75x |
| Price / SalesMarket cap ÷ Revenue | 2.93x | 0.51x |
| Price / BookPrice ÷ Book value/share | 1.45x | 0.13x |
| Price / FCFMarket cap ÷ FCF | 33.68x | 27.85x |
GPMT leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
MFAN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MFAN delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $-7 for GPMT. GPMT carries lower financial leverage with a 2.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to MFAN's 6.01x. On the Piotroski fundamental quality scale (0–9), GPMT scores 6/9 vs MFAN's 5/9, reflecting solid financial health.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| ROE (TTM)Return on equity | +9.7% | -7.1% |
| ROA (TTM)Return on assets | +1.5% | -2.3% |
| ROICReturn on invested capital | +4.4% | +2.6% |
| ROCEReturn on capital employed | +5.8% | +4.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 6.01x | 2.12x |
| Net DebtTotal debt minus cash | $10.8B | $1.1B |
| Cash & Equiv.Liquid assets | $213M | $66M |
| Total DebtShort + long-term debt | $11.0B | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.34x | 0.58x |
MFAN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MFAN leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MFAN five years ago would be worth $12,021 today (with dividends reinvested), compared to $3,472 for GPMT. Over the past 12 months, MFAN leads with a +10.3% total return vs GPMT's -19.7%. The 3-year compound annual growth rate (CAGR) favors MFAN at 6.3% vs GPMT's -13.1% — a key indicator of consistent wealth creation.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| YTD ReturnYear-to-date | +3.8% | -32.5% |
| 1-Year ReturnPast 12 months | +10.3% | -19.7% |
| 3-Year ReturnCumulative with dividends | +20.2% | -34.3% |
| 5-Year ReturnCumulative with dividends | +20.2% | -65.3% |
| 10-Year ReturnCumulative with dividends | +20.2% | -50.0% |
| CAGR (3Y)Annualised 3-year return | +6.3% | -13.1% |
MFAN leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
MFAN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MFAN is the less volatile stock with a 0.54 beta — it tends to amplify market swings less than GPMT's 1.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MFAN currently trades 94.9% from its 52-week high vs GPMT's 49.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.54x | 1.44x |
| 52-Week HighHighest price in past year | $26.50 | $3.12 |
| 52-Week LowLowest price in past year | $8.60 | $1.24 |
| % of 52W HighCurrent price vs 52-week peak | +94.9% | +49.7% |
| RSI (14)Momentum oscillator 0–100 | 51.8 | 49.4 |
| Avg Volume (50D)Average daily shares traded | 20K | 154K |
MFAN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MFAN and GPMT each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, GPMT offers the higher dividend yield at 13.98% vs MFAN's 7.12%.
| Metric | MFANMFA Financial, In… | GPMTGranite Point Mor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $2.50 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | +7.1% | +14.0% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.79 | $0.22 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +7.6% |
Evenly matched — MFAN and GPMT each lead in 1 of 2 comparable metrics.
Key Takeaway
MFAN leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). GPMT leads in 1 (Valuation Metrics). 1 tied.
Best OverallMFA Financial, Inc. 8.875% … (MFAN)Leads 4 of 6 categories
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MFAN vs GPMT: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is MFAN or GPMT a better buy right now?
For growth investors, MFA Financial, Inc.
8. 875% Senior Notes (MFAN) is the stronger pick with 213. 0% revenue growth year-over-year, versus 187. 8% for Granite Point Mortgage Trust Inc. (GPMT). MFA Financial, Inc. 8. 875% Senior Notes (MFAN) offers the better valuation at 15. 0x trailing P/E (18. 4x forward), making it the more compelling value choice. Analysts rate Granite Point Mortgage Trust Inc. (GPMT) a "Hold" — based on 12 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 is the better long-term investment — MFAN or GPMT?
Over the past 5 years, MFA Financial, Inc.
8. 875% Senior Notes (MFAN) delivered a total return of +20. 2%, compared to -65. 3% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: MFAN returned +20. 2% versus GPMT's -50. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — MFAN or GPMT?
By beta (market sensitivity over 5 years), MFA Financial, Inc.
8. 875% Senior Notes (MFAN) is the lower-risk stock at 0. 54β versus Granite Point Mortgage Trust Inc. 's 1. 44β — meaning GPMT is approximately 167% more volatile than MFAN relative to the S&P 500. On balance sheet safety, Granite Point Mortgage Trust Inc. (GPMT) carries a lower debt/equity ratio of 2% versus 6% for MFA Financial, Inc. 8. 875% Senior Notes — giving it more financial flexibility in a downturn.
04Which is growing faster — MFAN or GPMT?
By revenue growth (latest reported year), MFA Financial, Inc.
8. 875% Senior Notes (MFAN) is pulling ahead at 213. 0% versus 187. 8% for Granite Point Mortgage Trust Inc. (GPMT). On earnings-per-share growth, the picture is similar: MFA Financial, Inc. 8. 875% Senior Notes grew EPS 104. 9% year-over-year, compared to 73. 7% for Granite Point Mortgage 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.
05Which has better profit margins — MFAN or GPMT?
MFA Financial, Inc.
8. 875% Senior Notes (MFAN) is the more profitable company, earning 20. 2% net margin versus -28. 3% for Granite Point Mortgage Trust Inc. — meaning it keeps 20. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFAN leads at 78. 8% versus 43. 6% for GPMT. At the gross margin level — before operating expenses — MFAN leads at 96. 2%, 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.
06Which pays a better dividend — MFAN or GPMT?
All stocks in this comparison pay dividends.
Granite Point Mortgage Trust Inc. (GPMT) offers the highest yield at 14. 0%, versus 7. 1% for MFA Financial, Inc. 8. 875% Senior Notes (MFAN).
07Is MFAN or GPMT better for a retirement portfolio?
For long-horizon retirement investors, MFA Financial, Inc.
8. 875% Senior Notes (MFAN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 54), 7. 1% yield). Both have compounded well over 10 years (MFAN: +20. 2%, GPMT: -50. 0%), 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.
08What are the main differences between MFAN and GPMT?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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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