Ellington Credit Company (EARN) Earnings History
Net Loss13 years of earnings data (2012–2024) · Currently unprofitable on a TTM basis
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Ellington Credit Company (EARN) Earnings Overview
As of June 22, 2026, Ellington Credit Company (EARN) reported trailing twelve-month net income of -$5M, reflecting -22.6% year-over-year growth. The company earned $-0.15 per diluted share over the past four quarters, with a net profit margin of 13.0%.
Looking at the long-term picture, EARN's 5-year EPS compound annual growth rate (CAGR) stands at -33.1%, signaling declining earnings. The company achieved its highest annual net income of $22M in fiscal 2019.
Ellington Credit Company is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including EFC ($147M net income, 21.8% margin), AGNC ($1.67B net income, 87.3% margin), NLY ($2.03B net income, 30.3% margin), EARN has room to improve margins relative to the peer group. Compare EARN vs EFC →
EARN Earnings vs Peers
Earnings metrics vs comparable public companies
EARN Historical Earnings Data (2012–2024)
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $7M | +44.5% | $7M | $0.24 | 13.0% | 14.0% |
| 2023 | $5M | +115.1% | $5M | $0.31 | 8.2% | 8.2% |
| 2022 | -$30M | -378.6% | -$30M | $-2.29 | - | - |
| 2021 | -$6M | -131.4% | -$6M | $-0.50 | -291.3% | -291.3% |
| 2020 | $20M | -9.6% | $20M | $1.63 | 56.0% | 56.0% |
| 2019 | $22M | +297.0% | $22M | $1.79 | 35.4% | 35.4% |
| 2018 | -$11M | -204.7% | -$11M | $-0.88 | -42.3% | -42.3% |
| 2017 | $11M | -9.4% | $11M | $0.93 | 30.4% | 30.4% |
| 2016 | $12M | +39586.7% | $12M | $1.31 | 45.5% | 45.5% |
| 2015 | $30,000 | -99.8% | $30,000 | $0.00 | 0.3% | 0.3% |
| 2014 | $16M | +944.7% | $16M | $1.77 | 61.2% | 61.2% |
| 2013 | -$2M | +10.7% | -$2M | $-0.29 | -35.0% | -35.0% |
| 2012 | -$2M | - | -$2M | $-0.23 | -224.3% | -260.7% |
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EARN — Frequently Asked Questions
Quick answers to the most common questions about buying EARN stock.
What is EARN earnings per share (EPS)?
EARN trailing twelve-month (TTM) diluted EPS is $-0.15, reflecting -22.6% year-over-year growth. The 5-year EPS CAGR is -33.1%. Complete EPS history from 2012 to 2024 is available in the table on this page.
What is Ellington Credit Company's net income?
Ellington Credit Company (EARN) trailing twelve-month net income is $-5M as of 2024. Earnings declined -22.6% year-over-year. Ellington Credit Company has been profitable for 2 consecutive years.
Is EARN profitable?
EARN is not currently profitable on a TTM basis, reporting a net loss of $-5M. Net margin is +13.0%. Investors should monitor for a return to profitability.
What is EARN's earnings growth rate?
EARN compound annual EPS growth rates (CAGR): 1-Year: -22.6%, 3-Year: N/A, 5-Year: -33.1%, 10-Year: -18.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2024.
What are EARN's profit margins?
Ellington Credit Company net profit margin is +13.0%, operating margin is +14.0%, and gross margin is +31.3%. Margins are within a typical range for the sector. Return on Equity is +4.0%.
Is EARN growing earnings?
EARN earnings are declining — EPS fell -22.6% year-over-year. TTM net income dropped to $-5M. This contrasts with the 5-year CAGR of -33.1%.
What was EARN's best earnings year?
Ellington Credit Company's highest annual net income on record is $22M, achieved in fiscal year 2019. Earnings history on this page spans 2012 to 2024 and includes all annual and quarterly figures.
What were EARN's earnings last quarter?
EARN's most recent reported quarter was Q1 2025. Net income was $-8M with diluted EPS of $-0.23. For a full breakdown of all quarters, see the quarterly earnings table on this page.