Ellington Credit Company (EARN) P/E Ratio History
Historical price-to-earnings valuation from 2014 to 2024
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EARN Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Ellington Credit Company (EARN) trades at a price-to-earnings ratio of 20.2x, with a stock price of $4.85 and trailing twelve-month earnings per share of $-0.15.
The current P/E is 21% below its 5-year average of 25.7x. Over the past five years, EARN's P/E has ranged from a low of 4.1x to a high of 91.5x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, EARN trades at a 51% premium to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, EARN trades roughly in line with the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our EARN DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
EARN P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $1B | 11.4 | 0.46 | -13% | |
| $10B | 11.6 | - | +1760%Best | |
| $16B | 7.7 | - | +80% | |
| $997M | 5.8 | - | +105% | |
| $250M | 8.8 | - | -27% | |
| $576M | 5.2Lowest | - | +135% | |
| $3B | 5.4 | - | +66% | |
| $1B | 5.6 | 0.11Best | +114% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
EARN Historical P/E Data (2014–2024)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2024 Q4 | $6.62 | $0.30 | 22.1x | +5% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $6.98 | $1.12 | 6.2x | -70% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $6.95 | $0.16 | 43.4x | +106% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $6.91 | $0.29 | 24.1x | +14% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $6.13 | $0.26 | 23.9x | +13% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $6.21 | $0.39 | 16.1x | -24% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $7.21 | $0.10 | 74.9x | +255% |
| FY2021 Q3 | $11.16 | $0.32 | 34.9x | +65% | |
| FY2021 Q2 | Wed Jun 30 2021 00:00:00 GM | $11.77 | $0.91 | 12.9x | -39% |
| FY2021 Q1 | Wed Mar 31 2021 00:00:00 GM | $12.31 | $3.00 | 4.1x | -81% |
| FY2020 Q4 | $13.04 | $1.64 | 8.0x | -62% | |
| FY2020 Q3 | Wed Sep 30 2020 00:00:00 GM | $11.10 | $1.82 | 6.1x | -71% |
Average P/E for displayed period: 21.1x
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Start ComparisonEARN — Frequently Asked Questions
Quick answers to the most common questions about buying EARN stock.
Is EARN stock overvalued or undervalued?
EARN trades at 20.2x P/E, below its 5-year average of 25.7x. At the 50th percentile of historical range, the stock is priced at a discount to its own history.
How does EARN's valuation compare to peers?
Ellington Credit Company P/E of 20.2x compares to sector median of 13.4x. The premium reflects expected growth above peers.
What is EARN's PEG ratio?
EARN PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2014-2024.