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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 $4.76, about 98.7% undervalued vs fair value, -12.8% 1Y return, ranked 846/1037 in sector.
$4.76
0.42%
As of April 28, 2026
Previous close • Vol 90d: 25.8%
52-Week Range
Market Cap
$178.80M
Enterprise Value
$271.38M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Apr 30

Fair Value Snapshot

Bear Base Bull
$7
$9
$13
Current: $4.76 +99% vs base

Engine Room Money Flow™

Micro Cap

Asset Management & Capital Markets - Where revenue goes and how value is created

Flow Steps
Total Revenue
$15.9M
57.3%%
Operating Income (FRE Proxy)
$7.1M
55.6%%
EBITDA
$7.1M
55.6%%
Net Income
$6.6M
44.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Asset Management & Capital Markets

Quality & Reliability Indicators

Operating Margin (FRE Proxy)
44.7%
Excellent

Operating Income / Revenue — proxy for Fee-Related Earnings margin

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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.
3
Active Leaks
1/3
Improving
0
High Impact
3
Critical
Locked Leak
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Locked Leak
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Moat Analysis Asset Management Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Fee Revenue Quality

Developing
28
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Asset Managers, Capital Markets & Exchanges vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing EARN's balance between Growth (42.1%), Profitability (27.0%), and Safety (30.9%). Growth 42% Safety 31% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

65th percentile vs peers
66
Key Signals
Rev Growth YoY 57.3% 81p EPS Growth YoY 1.13 83p Revenue CAGR 3Y -27.0% 10p
Strengths
  • Rev Growth YoY in top 20% of peers (57.3%, 81th percentile)
  • EPS Growth YoY in top 20% of peers (1.13, 83th percentile)
  • D/E Ratio in top 20% of peers (2.91, 95th percentile)
  • Debt/Assets in top 20% of peers (68.3%, 98th percentile)
  • Growth above peer median with strong metric coverage (85%)
Risks

No significant risks identified for this axis.

Profitability

42th percentile vs peers
42
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
Key Signals
Strengths
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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
$9.46
- - -
+98.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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