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Company Analysis

Ellington Credit Company EARN

A comprehensive view of key metrics, scores, and financial health for Ellington Credit Company

Overview of Ellington Credit Company

EARN NYQ
Financial Services Asset Management Micro Cap
Ellington Credit Company (EARN), is a Micro Cap company, in the Asset Management industry, last closed at $4.49, about 49.0% undervalued vs fair value, -23.1% 1Y return, ranked 844/1004 in sector.
$4.49
-2.39%
As of March 13, 2026
Previous close • Vol 90d: 26.2%
Market Cap
$168.69M
Enterprise Value
$261.28M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ellingtoncredit.co...
HQ Old Greenwich, CT
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $4.49 +49% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$49.9M
17.2%%
Interest Expense
$34.8M
Net Interest Income
$15.1M
656.7%%
Total Revenue
$15.9M
57.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$22.2M
337.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Ellington Credit Company's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
43
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 78% Coverage
Trade-Off Triangle Visualization A ternary plot showing EARN's balance between Growth (36.8%), Profitability (31.3%), and Safety (31.9%). Growth 37% Safety 32% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
53
Key Signals
Rev Growth YoY 57.3% 82p EPS Growth YoY 1.13 82p Revenue CAGR 3Y -27.0% 10p TSR -47.7% 13p
Strengths
  • Rev Growth Yoy in top 20% of peers (57.3%, 82th percentile)
  • Eps Growth Yoy in top 20% of peers (1.13, 82th percentile)
  • D/E Ratio in top 20% of peers (2.91, 95th percentile)
  • Debt/Fcf Ratio in top 20% of peers (61.78, 97th percentile)
  • Consistently strong margins across 3 metrics
Risks

No significant risks identified for this axis.

Profitability

45th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Ellington Credit Company.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.69
- - -
+49.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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