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EARNEllington Credit Company
$4.21$158M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
EARN logo

Ellington Credit Company

EARN
NYSE · Asset Management
$4.21
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$158M
P/E-11.1x
52W High$5.74
Volume181.62K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2025Q1

Persistent Portfolio Contraction Challenges Earnings Stability Outlook

Ellington Credit Company faces significant headwinds as its interest-earning asset base continues to shrink, evidenced by a decline in total assets from $1.1 billion in 2023Q1 to $783.6 million in 2025Q1. The firm's reliance on high-leverage repo financing, de...

GrowthContracting
ProfitabilityNegative
ValuationExpensive
TechnicalsWeak
Explore valuation models
MARKET ACTION

EARN price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-255% Peers

P/E is 255% below peer median

03

Market leadership

RS 33 · Lag

Laggard (Underperforming 67% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 18

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
EARN-8.49%
S&P 500 (^GSPC)+12.39%
1-Year Return
EARN-9.30%
S&P 500 (^GSPC)+15.77%
3-Year Return
EARN+10.78%
S&P 500 (^GSPC)+77.05%
5-Year Return
EARN-20.12%
S&P 500 (^GSPC)+71.32%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-11.1x
Forward P/E
4.9x
EV/EBITDA
N/A
FCF YieldCash Flow
341.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-11.1x
27.6x
0th· Low
EV/EBITDA
N/A
171.6x
N/A
Price/FCF
0.3x
4.7x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$32M+101.9% YoY
Net income
-$14M-319.4% YoY
Free cash flow
$541M+5834.1% YoY
Operating margin
-26.3%-71.0 pts YoY
ROIC (TTM)-1.1%
Avg ROIC 5Y-
ROE (TTM)-8.3%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (42%)
Revenue Beat Rate2/12 (17%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 12, 2026
$0.15-25.0%
vs $0.20
$12M+13.1%
vs $11M
Q2 2026
May 19, 2026
$0.19-13.6%
vs $0.22
$12M-6.5%
vs $13M
Q2 2026
Mar 4, 2026
$0.21-15.9%
vs $0.25
$11M-12.5%
vs $13M
Q4 2025
Nov 19, 2025
$0.23-7.9%
vs $0.25
$11M-12.5%
vs $13M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·2d ago
Coinbase Global (NASDAQ:COIN) & Ellington Credit (NYSE:EARN) Critical Analysis

Coinbase Global (NASDAQ: COIN - Get Free Report) and Ellington Credit (NYSE: EARN - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, valuation, dividends, risk and profitability. Analyst Recommendations This is a breakdown of current

Business Wire·Sep 8, 2026
Ellington Credit Declares Monthly Common Distribution

OLD GREENWICH, Conn.--(BUSINESS WIRE)--Ellington Credit Company (NYSE: EARN) ("we" or the "Fund") today announced that its Board of Trustees has declared a monthly common distribution of $0.08 per share, payable on October 30, 2026 to common shareholders of record as of September 30, 2026. Cautionary Statement Regarding Forward-Looking Statements This release contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1.

MarketBeat·Aug 13, 2026
Ellington Credit Q2 Earnings Call Highlights

Ellington Credit NYSE: EARN reported an 8.1% economic return for the quarter ended June 30, 2026, as the company expanded and repositioned its collateralized loan obligation portfolio following market volatility earlier in the year.

Seeking Alpha·Aug 13, 2026
Ellington Credit Company (EARN) Q1 2027 Earnings Call Transcript

Ellington Credit Company (EARN) Q1 2027 Earnings Call Transcript

Filtered for Ellington Credit CompanyMore Headlines
04

Compare before deciding

Benchmark EARN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Ellington Credit Company (EARN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EARN logoEARNEllington Credit CompanyCurrent
$4.21$158.16M-11.08101.88%-45.08%-8.32%22.71%
EFC logoEFCEllington Financial Inc.
$12.41$1.56B10.43139.04%32.95%11.65%—
AGNC logoAGNCAGNC Investment Corp.
$9.91$11.38B6.74-60.79%43.6%12.7%—
NLY logoNLYAnnaly Capital Management, Inc.
$21.04$15.79B7.215.35%40.52%18.31%—
MFA logoMFAMFA Financial, Inc.
$8.32$849.42M4.95213.02%19.71%8.23%—
MITT logoMITTTPG Mortgage Investment Trust Inc
$6.19$196.86M6.8814.4%9.02%7.95%—

Compare EARN vs Peers

Ellington Credit Company (EARN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EFC

Most directly comparable listed peer for EARN.

Scale Benchmark

vs RKT

Larger-name benchmark to compare EARN against a more recognizable public peer.

Peer Set

Compare Top 5

vs EFC, AGNC, NLY, MFA

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

EARN SEC Filings & Documents

Ellington Credit Company (EARN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 12, 2026·SEC

Material company update

Aug 10, 2026·SEC

Material company update

Jul 8, 2026·SEC

10-K Annual Reports

2
FY 2025

Jun 23, 2025·SEC

FY 2025

Mar 31, 2025·SEC

10-Q Quarterly Reports

2
FY 2024

Nov 14, 2024·SEC

FY 2024

Aug 14, 2024·SEC

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EARN Frequently Asked Questions

Ellington Credit Company (EARN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Ellington Credit Company growing?

Ellington Credit Company (EARN) grew revenue by 101.9% over the past year. This is strong growth.

Is EARN profitable?

Ellington Credit Company (EARN) reported a net loss of $5.5M for fiscal year 2025.

Dividend & Returns
Does EARN pay dividends?

Yes, Ellington Credit Company (EARN) pays a dividend with a yield of 22.71%. This makes it attractive for income-focused investors.

What is EARN's return on equity?

Ellington Credit Company (EARN) has a return on equity (ROE) of -8.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Ellington Credit Company's net interest margin?

Ellington Credit Company (EARN) has a net interest margin (NIM) of 8.5%. This indicates healthy earnings from lending activities.

What is Ellington Credit Company's efficiency ratio?

Ellington Credit Company (EARN) has an efficiency ratio of 139.8%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in EARN back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →