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Company Analysis

MFA Financial, Inc. MFA

A comprehensive view of key metrics, scores, and financial health for MFA Financial, Inc.

Overview of MFA Financial, Inc.

MFA NYQ
Real Estate REIT - Mortgage Framework: Mortgage REITs Small Cap
MFA Financial, Inc. (MFA), is a Small Cap company, in the REIT - Mortgage industry, last closed at $6.78, about 154.4% undervalued vs fair value, -24.4% 1Y return, placing in the top 25% of its sector.
Metrics P/E 7.2× Rev Growth 18.1% ROE 9.6% Gross Margin 281.9% Div Yield 19.81%
USD 6.78
1.80%
(Delayed)
• Vol 90d: 22.2%
52-Week Range
Market Cap
$685.40M
Enterprise Value
$6.96B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.mfafinancial.com
HQ New York, NY
Employees 307
Fiscal year Dec 31

Next Events

Earnings Nov 4 Call: Nov 4

Fair Value Snapshot

Bear Base Bull
$10
$17
$32
Current: $6.78 +154% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$745.1M
2.9%%
Interest Expense
$514.0M
Net Interest Income
$231.1M
14%%
Total Revenue
$298.6M
18.1%%
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
7.4%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$203.9M
150.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating MFA Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.73).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
61
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing MFA's balance between Growth (31.4%), Profitability (39.1%), and Safety (29.6%). Growth 31% Safety 30% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

49th percentile vs peers
49
Key Signals
Asset Growth YoY 14.3% 45p NII Growth YoY 14.0% 45p EPS Growth YoY 58.5% 65p Equity Growth YoY -0.8% 43p
Strengths
  • Net Interest Margin in top 20% of peers (1.8%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for MFA Financial, Inc..

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$17.25
- - -
+154.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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