MFAO
MFA Financial, Inc. 9.000% Senior Notes
REIT - Mortgage
Market Cap$2.56B
5Y Perf.-0.3%
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Stock Comparison
MFAO vs MITT
Revenue, margins, valuation, and 5-year total return — side by side.
MITT
TPG Mortgage Investment Trust Inc
REIT - Mortgage
Market Cap$250M
5Y Perf.+41.5%
MFAO vs MITT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MFAO | MITT |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $2.56B | $250M |
| Revenue (TTM) | $650M | $493M |
| Net Income (TTM) | $135M | $34M |
| Gross Margin | 59.3% | 94.2% |
| Operating Margin | 41.0% | 93.3% |
| Forward P/E | 18.4x | 7.2x |
| Total Debt | $10.99B | $8.10B |
| Cash & Equiv. | $213M | $76M |
MFAO vs MITT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MFAO
MITT
| Stock | Apr 24 | May 26 | Return |
|---|---|---|---|
| MFA Financial, Inc.… (MFAO) | 100 | 99.7 | -0.3% |
| TPG Mortgage Invest… (MITT) | 100 | 141.5 | +41.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MFAO vs MITT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MFAO leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. TPG Mortgage Investment Trust Inc is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
MFAO
MFA Financial, Inc. 9.000% Senior Notes
The Real Estate Income Play
MFAO carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.60, yield 7.1%
- Rev growth 213.0%, EPS growth 104.9%
- 19.0% 10Y total return vs MITT's -15.9%
Best for: income & stability and growth exposure
MITT
TPG Mortgage Investment Trust Inc
The Real Estate Income Play
MITT is the clearest fit if your priority is value and dividends.
- Lower P/E (7.2x vs 18.4x)
- 10.0% yield, 1-year raise streak, vs MFAO's 7.1%
- +36.1% vs MFAO's +11.1%
Best for: value and dividends
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MFAO | 213.0% FFO/revenue growth vs MITT's 14.4% |
| Value | MITT | Lower P/E (7.2x vs 18.4x) |
| Quality / Margins | MFAO | 20.7% margin vs MITT's 6.8% |
| Stability / Safety | MFAO | Beta 0.60 vs MITT's 0.90, lower leverage |
| Dividends | MITT | 10.0% yield, 1-year raise streak, vs MFAO's 7.1% |
| Momentum (1Y) | MITT | +36.1% vs MFAO's +11.1% |
| Efficiency (ROA) | MFAO | 1.1% ROA vs MITT's 0.4%, ROIC 4.4% vs 4.5% |
MFAO vs MITT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2018
MFAO vs MITT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMFAOLAGGINGMITT
MITTTPG Mortgage Investme…
2leads
MFAOMFA Financial, Inc. 9…
3leads
6 Total Categories
CATEGORYLEADERvs MITTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MFAO4/6
Valuation MetricsMultiples, price ratios, and targets
MITT6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MFAO5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
MFAO2/2
Analyst OutlookRatings, price targets, and dividends
MITT1/1
Income & Cash Flow (Last 12 Months)
MFAO leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MFAO and MITT operate at a comparable scale, with $650M and $493M in trailing revenue. MFAO is the more profitable business, keeping 20.7% of every revenue dollar as net income compared to MITT's 6.8%. On growth, MFAO holds the edge at +118.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| RevenueTrailing 12 months | $650M | $493M |
| EBITDAEarnings before interest/tax | $268M | $457M |
| Net IncomeAfter-tax profit | $135M | $34M |
| Free Cash FlowCash after capex | $91M | $68M |
| Gross MarginGross profit ÷ Revenue | +59.3% | +94.2% |
| Operating MarginEBIT ÷ Revenue | +41.0% | +93.3% |
| Net MarginNet income ÷ Revenue | +20.7% | +6.8% |
| FCF MarginFCF ÷ Revenue | +14.0% | +13.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +118.9% | +20.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -103.0% | -2.3% |
MFAO leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
MITT leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 8.8x trailing earnings, MITT trades at a 42% valuation discount to MFAO's 15.0x P/E. On an enterprise value basis, MITT's 18.3x EV/EBITDA is more attractive than MFAO's 19.3x.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| Market CapShares × price | $2.6B | $250M |
| Enterprise ValueMkt cap + debt − cash | $13.3B | $8.3B |
| Trailing P/EPrice ÷ TTM EPS | 15.02x | 8.77x |
| Forward P/EPrice ÷ next-FY EPS est. | 18.36x | 7.20x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 19.34x | 18.25x |
| Price / SalesMarket cap ÷ Revenue | 2.93x | 0.53x |
| Price / BookPrice ÷ Book value/share | 1.45x | 0.44x |
| Price / FCFMarket cap ÷ FCF | 33.63x | 4.20x |
MITT leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
MFAO leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MFAO delivers a 7.4% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $6 for MITT. MFAO carries lower financial leverage with a 6.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to MITT's 14.45x. On the Piotroski fundamental quality scale (0–9), MFAO scores 5/9 vs MITT's 3/9, reflecting solid financial health.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| ROE (TTM)Return on equity | +7.4% | +6.1% |
| ROA (TTM)Return on assets | +1.1% | +0.4% |
| ROICReturn on invested capital | +4.4% | +4.5% |
| ROCEReturn on capital employed | +5.8% | +6.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 |
| Debt / EquityFinancial leverage | 6.01x | 14.45x |
| Net DebtTotal debt minus cash | $10.8B | $8.0B |
| Cash & Equiv.Liquid assets | $213M | $76M |
| Total DebtShort + long-term debt | $11.0B | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | 1.34x | 1.12x |
MFAO leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — MFAO and MITT each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MFAO five years ago would be worth $11,904 today (with dividends reinvested), compared to $9,459 for MITT. Over the past 12 months, MITT leads with a +36.1% total return vs MFAO's +11.1%. The 3-year compound annual growth rate (CAGR) favors MITT at 23.6% vs MFAO's 6.0% — a key indicator of consistent wealth creation.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| YTD ReturnYear-to-date | +3.4% | -5.0% |
| 1-Year ReturnPast 12 months | +11.1% | +36.1% |
| 3-Year ReturnCumulative with dividends | +19.0% | +88.8% |
| 5-Year ReturnCumulative with dividends | +19.0% | -5.4% |
| 10-Year ReturnCumulative with dividends | +19.0% | -15.9% |
| CAGR (3Y)Annualised 3-year return | +6.0% | +23.6% |
Evenly matched — MFAO and MITT each lead in 3 of 6 comparable metrics.
Risk & Volatility
MFAO leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MFAO is the less volatile stock with a 0.60 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. MFAO currently trades 98.0% from its 52-week high vs MITT's 85.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 0.90x |
| 52-Week HighHighest price in past year | $25.75 | $9.27 |
| 52-Week LowLowest price in past year | $8.52 | $6.33 |
| % of 52W HighCurrent price vs 52-week peak | +98.0% | +85.1% |
| RSI (14)Momentum oscillator 0–100 | 58.0 | 51.5 |
| Avg Volume (50D)Average daily shares traded | 21K | 280K |
MFAO leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
MITT leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, MITT offers the higher dividend yield at 9.98% vs MFAO's 7.09%.
| Metric | MFAOMFA Financial, In… | MITTTPG Mortgage Inve… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $9.63 |
| # AnalystsCovering analysts | — | 18 |
| Dividend YieldAnnual dividend ÷ price | +7.1% | +10.0% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $1.79 | $0.79 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | 0.0% |
MITT leads this category, winning 1 of 1 comparable metric.
Key Takeaway
MFAO leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MITT leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallMFA Financial, Inc. 9.000% … (MFAO)Leads 3 of 6 categories
Loading custom metrics...
MFAO vs MITT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MFAO or MITT a better buy right now?
For growth investors, MFA Financial, Inc.
9. 000% Senior Notes (MFAO) is the stronger pick with 213. 0% revenue growth year-over-year, versus 14. 4% for TPG Mortgage Investment Trust Inc (MITT). TPG Mortgage Investment Trust Inc (MITT) offers the better valuation at 8. 8x 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 — MFAO or MITT?
On trailing P/E, TPG Mortgage Investment Trust Inc (MITT) is the cheapest at 8.
8x versus MFA Financial, Inc. 9. 000% Senior Notes at 15. 0x. On forward P/E, TPG Mortgage Investment Trust Inc is actually cheaper at 7. 2x.
03Which is the better long-term investment — MFAO or MITT?
Over the past 5 years, MFA Financial, Inc.
9. 000% Senior Notes (MFAO) delivered a total return of +19. 0%, compared to -5. 4% for TPG Mortgage Investment Trust Inc (MITT). Over 10 years, the gap is even starker: MFAO returned +18. 8% 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 — MFAO or MITT?
By beta (market sensitivity over 5 years), MFA Financial, Inc.
9. 000% Senior Notes (MFAO) is the lower-risk stock at 0. 60β versus TPG Mortgage Investment Trust Inc's 0. 90β — meaning MITT is approximately 50% more volatile than MFAO relative to the S&P 500. On balance sheet safety, MFA Financial, Inc. 9. 000% Senior Notes (MFAO) carries a lower debt/equity ratio of 6% versus 14% for TPG Mortgage Investment Trust Inc — giving it more financial flexibility in a downturn.
05Which is growing faster — MFAO or MITT?
By revenue growth (latest reported year), MFA Financial, Inc.
9. 000% Senior Notes (MFAO) is pulling ahead at 213. 0% versus 14. 4% for TPG Mortgage Investment Trust Inc (MITT). On earnings-per-share growth, the picture is similar: MFA Financial, Inc. 9. 000% Senior Notes grew EPS 104. 9% 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 — MFAO or MITT?
MFA Financial, Inc.
9. 000% Senior Notes (MFAO) is the more profitable company, earning 20. 2% net margin versus 10. 3% for TPG Mortgage Investment Trust Inc — meaning it keeps 20. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MITT leads at 96. 9% versus 78. 8% for MFAO. At the gross margin level — before operating expenses — MFAO 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.
07Is MFAO or MITT more undervalued right now?
On forward earnings alone, TPG Mortgage Investment Trust Inc (MITT) trades at 7.
2x forward P/E versus 18. 4x for MFA Financial, Inc. 9. 000% Senior Notes — 11. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — MFAO or MITT?
All stocks in this comparison pay dividends.
TPG Mortgage Investment Trust Inc (MITT) offers the highest yield at 10. 0%, versus 7. 1% for MFA Financial, Inc. 9. 000% Senior Notes (MFAO).
09Is MFAO or MITT better for a retirement portfolio?
For long-horizon retirement investors, MFA Financial, Inc.
9. 000% Senior Notes (MFAO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 60), 7. 1% yield). Both have compounded well over 10 years (MFAO: +18. 8%, 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 MFAO and MITT?
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.
In terms of investment character: MFAO is a small-cap high-growth 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>
%
(MFAO: 118.9% · MITT: 20.9%)Net Margin>
%
(MFAO: 20.7% · MITT: 6.8%)P/E Ratio<
x
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