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Ellington Credit Company(EARN)Earnings, Financials & Key Ratios
EARN•NYSE•Banking & Credit
$4.78
$180M mkt cap·19.9× P/E·Price updated May 6, 2026
AboutEllington Residential Mortgage REIT, a real estate investment trust, specializes in acquiring, investing in, and managing residential mortgage-and real estate-related assets. It acquires and manages residential mortgage-backed securities (RMBS), including agency pools and agency collateralized mortgage obligations (CMOs); and non-agency RMBS comprising non-agency CMOs, such as investment grade and non-investment grade. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. Ellington Residential Mortgage REIT was incorporated in 2012 and is based in Old Greenwich, Connecticut.Show more
- Net Interest Income$15M+656.7%
- Total Revenue$51M-8.4%
- Net Income$7M+44.5%
- Return on Equity3.99%+8.9%
- Net Interest Margin1.83%+738.8%
- Efficiency Ratio17.33%+73.3%
- ROA0.74%+63.2%
- Equity / Assets23.51%+63.2%
- Book Value per Share7.13-22.1%
- Tangible BV/Share7.13-22.1%
- Debt/Equity2.91-45.7%
EARN Key Insights
Ellington Credit Company (EARN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 17.3% efficiency ratio
- ✓Well capitalized: 23.5% equity/assets
- ✓Trading at only 0.7x book value
✗Weaknesses
- ✗High debt to equity ratio of 2.9x
- ✗Profits declining 21.6% over 5 years
- ✗Weak NIM of 1.8%
- ✗Dividend payout exceeds 100% of earnings
- ✗Shares diluted 82.6% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
EARN Price & Volume
Ellington Credit Company (EARN) stock price & volume — 10-year historical chart
Loading chart...
EARN Growth Metrics
Ellington Credit Company (EARN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.73%
5 Years-4.21%
3 Years186.01%
TTM-
Profit CAGR
10 Years-8.59%
5 Years-21.61%
3 Years-
TTM-184.83%
EPS CAGR
10 Years-18.11%
5 Years-33.09%
3 Years-
TTM-145.34%
Return on Capital
10 Years2.26%
5 Years1.4%
3 Years-0.74%
Last Year3.67%
EARN Recent Earnings
Ellington Credit Company (EARN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Mar 4, 2026EPS
$0.21
Est $0.24
-12.5%
Revenue
$11M
Est $13M
-12.5%
Q4 2025
Nov 19, 2025EPS
$0.23
Est $0.20
+15.0%
Revenue
$15M
Est $11M
+35.1%
Q3 2025
Aug 19, 2025EPS
$0.18
Est $0.24
-24.6%
Revenue
$10M
Est $12M
-18.8%
Q2 2025
May 20, 2025EPS
$0.26
Est $0.27
-3.7%
Revenue
$19M
Est $8M
+131.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 4, 2026 | $0.21vs $0.24-12.5% | $11Mvs $13M-12.5% |
| Q4 2025 | Nov 19, 2025 | $0.23vs $0.20+15.0% | $15Mvs $11M+35.1% |
| Q3 2025 | Aug 19, 2025 | $0.18vs $0.24-24.6% | $10Mvs $12M-18.8% |
| Q2 2025 | May 20, 2025 | $0.26vs $0.27-3.7% | $19Mvs $8M+131.4% |
Based on last 12 quarters of dataView full earnings history →
EARN Peer Comparison
Ellington Credit Company (EARN) competitors in Closed-end funds and investment trusts — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 EFC | 1.3B | 13.10 | 11.01 | 139.04% | 34.24% | 8.4% | 39.07% | 9.07 |
 AGNC | 9.62B | 10.72 | 11.53 | 384.69% | 24.23% | 7.32% | 0.89% | 0.01 |
 NLY | 16.08B | 22.38 | 7.66 | 5.35% | 30.28% | 14.05% | 6.92 | |
 MFA | 975M | 9.55 | 5.68 | 213.02% | 39.14% | 7.42% | 7.82% | 6.01 |
 MITT | 251.35M | 7.92 | 8.80 | 14.4% | 6.82% | 6.11% | 23.7% | 14.45 |
 TWO | 1.29B | 12.26 | -2.81 | -28.4% | -44.82% | -19.11% | 6.9% | 4.79 |
 IVR | 576.83M | 8.03 | 5.25 | -24.6% | 30.19% | 13.34% | 27.23% | 7.05 |
 DX | 2.66B | 13.34 | 5.40 | 179.55% | 75.8% | 12.96% | 5.65 |
Compare EARN vs Peers
Ellington Credit Company (EARN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EARN Income Statement
Ellington Credit Company (EARN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 24.22M | 30.14M | 22.03M | 8.57M | 17.36M | 25.64M | 20.19M | -2.71M | 15.07M | 24.04M |
| NII Growth % | -29.82% | 24.43% | -26.9% | -61.11% | 102.51% | 47.74% | -21.27% | -113.41% | 656.67% | 5618.24% |
| Net Interest Margin % | 1.7% | 1.6% | 1.32% | 0.58% | 1.45% | 1.6% | 1.92% | -0.29% | 1.83% | 3.07% |
| Interest Income | 33.5M | 49.19M | 54.55M | 43.85M | 27.32M | 28.36M | 35.01M | 42.55M | 49.86M | 54.95M |
| Interest Expense | 9.27M | 19.05M | 32.52M | 35.28M | 9.96M | 2.72M | 14.82M | 45.26M | 34.79M | 30.91M |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | -7.31M | -13.65M | -27.82M | 18.97M | 8.58M | -26.2M | -45.26M | 12.8M | 811K | -19.34M |
| Non-Interest Income % | -27.91% | -38.42% | -104.07% | 30.2% | 23.91% | -1209.51% | 441.52% | 23.13% | 1.6% | -54.32% |
| Total Revenue | 26.19M▲ 0% | 35.54M▲ 35.7% | 26.73M▼ 24.8% | 62.82M▲ 135.0% | 35.9M▼ 42.8% | 2.17M▼ 94.0% | -10.25M▼ 573.2% | 55.35M▲ 640.0% | 50.67M▼ 8.4% | 35.6M▲ 0% |
| Revenue Growth % | 129.51% | 35.69% | -24.78% | 135% | -42.85% | -93.97% | -573.22% | 640% | -8.45% | 854.58% |
| Non-Interest Expense | 5.01M | 5.7M | 5.51M | 5.29M | 5.83M | 5.75M | 5.13M | 5.54M | 8.78M | 9.74M |
| Efficiency Ratio | 19.13% | 16.05% | 20.6% | 8.42% | 16.23% | 265.56% | -50.03% | 10% | 17.33% | 27.36% |
| Operating Income | 11.91M▲ 0% | 10.79M▼ 9.4% | -11.29M▼ 204.7% | 22.26M▲ 297.0% | 20.11M▼ 9.6% | -6.31M▼ 131.4% | -30.2M▼ 378.6% | 4.56M▲ 115.1% | 7.1M▲ 55.6% | -5.04M▲ 0% |
| Operating Margin % | 45.46% | 30.36% | -42.25% | 35.43% | 56.02% | -291.27% | 294.61% | 8.24% | 14% | -14.17% |
| Operating Income Growth % | 39586.67% | -9.39% | -204.7% | 297.04% | -9.63% | -131.37% | -378.65% | 115.1% | 55.65% | - |
| Pretax Income | 11.91M▲ 0% | 10.79M▼ 9.4% | -11.29M▼ 204.7% | 22.26M▲ 297.0% | 20.11M▼ 9.6% | -6.31M▼ 131.4% | -30.2M▼ 378.6% | 4.56M▲ 115.1% | 7.1M▲ 55.6% | -5.04M▲ 0% |
| Pretax Margin % | 45.46% | 30.36% | -42.25% | 35.43% | 56.02% | -291.27% | 294.61% | 8.24% | 14% | -14.17% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 510K | 201K |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 7.19% | -3.98% |
| Net Income | 11.91M▲ 0% | 10.79M▼ 9.4% | -11.29M▼ 204.7% | 22.26M▲ 297.0% | 20.11M▼ 9.6% | -6.31M▼ 131.4% | -30.2M▼ 378.6% | 4.56M▲ 115.1% | 6.59M▲ 44.5% | -5.25M▲ 0% |
| Net Margin % | 45.46% | 30.36% | -42.25% | 35.43% | 56.02% | -291.27% | 294.61% | 8.24% | 13% | -14.73% |
| Net Income Growth % | 39586.67% | -9.39% | -204.7% | 297.04% | -9.63% | -131.37% | -378.65% | 115.1% | 44.46% | -184.83% |
| Net Income (Continuing) | 11.91M | 10.79M | -11.29M | 22.26M | 20.11M | -6.31M | -30.2M | 4.56M | 6.59M | -5.25M |
| EPS (Diluted) | 1.31▲ 0% | 0.93▼ 29.0% | -0.88▼ 194.6% | 1.79▲ 303.4% | 1.63▼ 8.9% | -0.50▼ 130.7% | -2.29▼ 358.0% | 0.31▲ 113.5% | 0.24▼ 22.6% | -0.15▲ 0% |
| EPS Growth % | - | -29.01% | -194.62% | 303.41% | -8.94% | -130.67% | -358% | 113.54% | -22.58% | -145.34% |
| EPS (Basic) | 1.31 | 0.93 | -0.88 | 1.79 | 1.63 | -0.50 | -2.29 | 0.31 | 0.24 | - |
| Diluted Shares Outstanding | 9.12M | 11.6M | 12.81M | 12.46M | 12.35M | 12.68M | 13.16M | 14.88M | 27.16M | 34.81M |
EARN Balance Sheet
Ellington Credit Company (EARN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 33.5M | 56.12M | 18.59M | 35.35M | 58.17M | 69.03M | 34.82M | 38.53M | 31.84M | 193.72M |
| Cash & Due from Banks | 33.5M | 56.12M | 18.59M | 35.35M | 58.17M | 69.03M | 34.82M | 38.53M | 31.84M | 17.38M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.46B | 3.38B | 3.09B | 2.81B | 2.17B | 1.32B | 962.28M | 847.83M | 725.78M | 754.72M |
| Investments Growth % | -1.07% | 37.43% | -8.53% | -9.21% | -22.86% | -39.13% | -27.01% | -11.89% | -14.39% | -77.99% |
| Long-Term Investments | 2.46B | 3.38B | 3.09B | 2.81B | 2.17B | 1.32B | 962.28M | 847.83M | 725.78M | 2.86B |
| Accounts Receivables | 4.63M | 5.78M | 5.61M | 5.02M | 4.11M | 4.5M | 3.33M | 4.52M | 10.54M | 6.41M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -1.15B | -1.6B | -1.54B | -1.4B | -1.08B | 117.96M | 935K | 431K | 23.34M | 407K |
| Total Current Assets | 120.85M | 110.26M | 122.44M | 80.46M | 110.08M | 162.19M | 90.42M | 97.43M | 74.97M | 28.43M |
| Total Non-Current Assets | 1.31B | 1.78B | 1.55B | 1.41B | 1.08B | 1.44B | 963.21M | 848.26M | 749.12M | 755.12M |
| Total Assets | 1.43B▲ 0% | 1.89B▲ 32.0% | 1.68B▼ 11.2% | 1.49B▼ 11.1% | 1.19B▼ 19.8% | 1.6B▲ 33.8% | 1.05B▼ 34.1% | 945.69M▼ 10.2% | 824.09M▼ 12.9% | 783.56M▲ 0% |
| Asset Growth % | -8.19% | 32.04% | -11.21% | -11.13% | -19.76% | 33.78% | -34.08% | -10.24% | -12.86% | -74.78% |
| Return on Assets (ROA) | 0.8% | 0.65% | -0.63% | 1.41% | 1.5% | -0.45% | -2.28% | 0.46% | 0.74% | -0.64% |
| Accounts Payable | 2.97M | 3.81M | 6.31M | 3.76M | 1.53M | 2.84M | 50.36M | 57.29M | 32.55M | 2.84M |
| Total Debt | 1.2B | 1.6B | 1.48B | 1.3B | 1.02B | 1.06B | 842.46M | 729.54M | 562.97M | 517.54M |
| Net Debt | 1.16B | 1.54B | 1.46B | 1.26B | 957.08M | 995.81M | 807.64M | 691.01M | 531.13M | 500.16M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 1.2B | 1.6B | 1.48B | 1.3B | 1.02B | 1.06B | 842.46M | 729.54M | 562.97M | 517.54M |
| Other Liabilities | 85.87M | 92.64M | 33.04M | 27.64M | 10.71M | 375.33M | 47.31M | 21.47M | 34.84M | 34.68M |
| Total Current Liabilities | 1.2B | 1.6B | 1.49B | 1.3B | 1.02B | 1.07B | 893.91M | 787.98M | 595.52M | 520.38M |
| Total Non-Current Liabilities | 85.87M | 92.64M | 33.04M | 27.64M | 10.71M | 375.33M | 47.31M | 21.47M | 34.84M | 34.68M |
| Total Liabilities | 1.29B | 1.69B | 1.52B | 1.33B | 1.03B | 1.44B | 941.22M | 809.45M | 630.37M | 555.06M |
| Total Equity | 141.68M▲ 0% | 192.7M▲ 36.0% | 153.82M▼ 20.2% | 160.84M▲ 4.6% | 166.4M▲ 3.5% | 154.22M▼ 7.3% | 112.41M▼ 27.1% | 136.24M▲ 21.2% | 193.73M▲ 42.2% | 228.5M▲ 0% |
| Equity Growth % | -2.19% | 36.02% | -20.18% | 4.57% | 3.46% | -7.32% | -27.11% | 21.2% | 42.2% | 199.23% |
| Equity / Assets (Capital Ratio) | 9.91% | 10.21% | 9.18% | 10.8% | 13.93% | 9.65% | 10.67% | 14.41% | 23.51% | 29.16% |
| Return on Equity (ROE) | 8.31% | 6.45% | -6.52% | 14.15% | 12.29% | -3.94% | -22.65% | 3.67% | 3.99% | -2.76% |
| Book Value per Share | 15.53 | 16.61 | 12.01 | 12.91 | 13.47 | 12.16 | 8.54 | 9.16 | 7.13 | 6.56 |
| Tangible BV per Share | 15.53 | 16.61 | 12.01 | 12.91 | 13.47 | 12.16 | 8.54 | 9.16 | 7.13 | 6.56 |
| Common Stock | 92K | 134K | 125K | 124K | 123K | 131K | 134K | 186K | 297K | 376K |
| Additional Paid-in Capital | 181M | 240.06M | 230.89M | 230.36M | 229.61M | 238.87M | 240.94M | 274.7M | 348.59M | 399.87M |
| Retained Earnings | -39.41M | -47.49M | -77.19M | -69.64M | -63.34M | -84.77M | -128.66M | -138.65M | -155.16M | -171.74M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1K | 0 |
EARN Cash Flow Statement
Ellington Credit Company (EARN) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 19.93M | 60.25M | 28.85M | 17.53M | 24.37M | 27.88M | 22.42M | -10.02M | 9.11M | 9.11M |
| Operating CF Growth % | -19.65% | 202.32% | -52.11% | -39.22% | 38.99% | 14.41% | -19.59% | -144.71% | 190.92% | 1588.05% |
| Net Income | 11.91M | 10.79M | -11.29M | 22.26M | 20.11M | -6.31M | -30.2M | 4.56M | 6.59M | -5.25M |
| Depreciation & Amortization | 15.79M | 0 | 0 | 0 | 0 | 0 | 2.29M | 0 | 0 | 0 |
| Deferred Taxes | -15.79M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 23.09M | 26.54M | 38.17M | -4.06M | 5.69M | 33.72M | 45.26M | -11.89M | 3.15M | 23.06M |
| Working Capital Changes | -15.24M | 22.72M | 1.77M | -877K | -1.67M | 196K | 4.76M | -2.95M | -1.06M | 1.14M |
| Cash from Investing | 13.86M | -477.89M | 62.83M | 221.85M | 304.06M | -15.23M | 110.55M | 85.72M | 116.45M | 48.66M |
| Purchase of Investments | -2.89B | -3.27B | -2.53B | -2.23B | -1.27B | -2.31B | -2.92B | 0 | 0 | -1.72B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 4M |
| Net Investment Activity | -2.89B | -3.27B | -2.53B | -2.22B | -1.27B | -2.31B | -2.92B | 0 | 0 | -1.71B |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 3.62M | -6.45M | 69.61M | 7.6M | -142K | -115.1M | 163.61M | 85.72M | 116.45M | -56.53M |
| Cash from Financing | -40.45M | 440.25M | -129.21M | -222.62M | -305.61M | -1.79M | -167.18M | -71.98M | -132.25M | -73.25M |
| Dividends Paid | -15.51M | -17.59M | -19.09M | -15.47M | -13.84M | -17.27M | -13.94M | -14.12M | -22.21M | -25.64M |
| Share Repurchases | -196K | 0 | -9.39M | -747K | -986K | 0 | -262K | 0 | 0 | -979K |
| Stock Issued | 0 | 59.1M | 0 | 0 | 0 | 9.29M | 2.11M | 33.8M | 74.06M | 118.91M |
| Net Stock Activity | -196K | 59.1M | -9.39M | -747K | -986K | 9.29M | 1.85M | 33.8M | 74.06M | 117.93M |
| Debt Issuance (Net) | 0 | 1000K | 0 | 0 | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | -24.75M | 0 | -100.74M | -206.41M | -9.76M | -43.39M | 67.29M | 21.25M | -17.68M | -104.33M |
| Net Change in Cash | -6.66M▲ 0% | 22.61M▲ 439.4% | -37.53M▼ 266.0% | 16.77M▲ 144.7% | 22.82M▲ 36.1% | 10.86M▼ 52.4% | -34.21M▼ 415.0% | 3.72M▲ 110.9% | -6.69M▼ 280.1% | -5.07M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 40.17M | 33.5M | 56.12M | 18.59M | 35.35M | 58.17M | 69.03M | 34.82M | 38.53M | 31.84M |
| Cash at End | 33.5M | 56.12M | 18.59M | 35.35M | 58.17M | 69.03M | 34.82M | 38.53M | 31.84M | 17.38M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35.73M | 30.86M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 829K | 0 |
| Free Cash Flow | 19.93M▲ 0% | 60.25M▲ 202.3% | 28.85M▼ 52.1% | 17.53M▼ 39.2% | 24.37M▲ 39.0% | 27.88M▲ 14.4% | 22.42M▼ 19.6% | -10.02M▼ 144.7% | 9.11M▲ 190.9% | 19.53M▲ 0% |
| FCF Growth % | -19.65% | 202.32% | -52.11% | -39.22% | 38.99% | 14.41% | -19.59% | -144.71% | 190.92% | 320.81% |
EARN Banking Ratios
Ellington Credit Company (EARN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.31% | 6.45% | -6.52% | 14.15% | 12.29% | -3.94% | -22.65% | 3.67% | 3.99% | -2.76% |
| Return on Assets (ROA) | 0.8% | 0.65% | -0.63% | 1.41% | 1.5% | -0.45% | -2.28% | 0.46% | 0.74% | -0.64% |
| Net Interest Margin | 1.7% | 1.6% | 1.32% | 0.58% | 1.45% | 1.6% | 1.92% | -0.29% | 1.83% | 3.07% |
| Efficiency Ratio | 19.13% | 16.05% | 20.6% | 8.42% | 16.23% | 265.56% | -50.03% | 10% | 17.33% | 27.36% |
| Equity / Assets | 9.91% | 10.21% | 9.18% | 10.8% | 13.93% | 9.65% | 10.67% | 14.41% | 23.51% | 29.16% |
| Book Value / Share | 15.53 | 16.61 | 12.01 | 12.91 | 13.47 | 12.16 | 8.54 | 9.16 | 7.13 | 6.56 |
| NII Growth | -29.82% | 24.43% | -26.9% | -61.11% | 102.51% | 47.74% | -21.27% | -113.41% | 656.67% | 1269.16% |
| Dividend Payout | 130.28% | 163.01% | - | 69.5% | 68.82% | - | - | 309.76% | 337.31% | -488.81% |
EARN SEC Filings & Documents
Ellington Credit Company (EARN) SEC filings — annual & quarterly reports (10-K, 10-Q)
EARN Frequently Asked Questions
Ellington Credit Company (EARN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Ellington Credit Company (EARN) saw revenue decline by 8.4% over the past year.
Ellington Credit Company (EARN) reported a net loss of $5.2M for fiscal year 2024.
Dividend & Returns
Yes, Ellington Credit Company (EARN) pays a dividend with a yield of 17.11%. This makes it attractive for income-focused investors.
Ellington Credit Company (EARN) has a return on equity (ROE) of 4.0%. This is below average, suggesting room for improvement.
Industry Metrics
Ellington Credit Company (EARN) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.
Ellington Credit Company (EARN) has an efficiency ratio of 17.3%. This is excellent, indicating strong cost control.
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Ellington Credit Company (EARN) financial analysis — history, returns, DCA and operating performance tools
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