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Company Analysis

Two Harbors Investments Corp 7. TWO-PB

A comprehensive view of key metrics, scores, and financial health for Two Harbors Investments Corp 7.

Overview of Two Harbors Investment Corp.

TWO-PB NYQ
Real Estate REIT - Mortgage Framework: Mortgage REITs Mid Cap
Two Harbors Investment Corp. (TWO-PB), is a Mid Cap company, in the REIT - Mortgage industry, last closed at $25.32, about 0.0% overvalued vs fair value, +12.6% 1Y return, ranked 284/338 in sector.
Metrics Rev Growth -77.5% ROE -23.2%
USD 25.32
0.00%
(Delayed)
• Vol 90d: 9.0%
52-Week Range
Market Cap
$3.35B
Enterprise Value
$4.29B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Excellent
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Excellent
Valuation
Fair
Completeness: 70%
Confidence: 71%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.twoinv.com
HQ Saint Louis Park, MN
Employees 486
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$422.4M
-6.2%%
Interest Expense
$490.9M
Net Interest Income
-$68.5M
56.4%%
Total Revenue
$115.1M
-77.5%%
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
-42.9%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating Two Harbors Investments Corp 7.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
31
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.78).

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.08).
  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.07).

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

Weak
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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 68% Coverage
Trade-Off Triangle Visualization A ternary plot showing TWO-PB's balance between Growth (27.6%), Profitability (6.1%), and Safety (66.4%). Growth 28% Safety 66% Profitability 6%

Click axes to expand details. Marker shows current allocation.

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Growth

28th percentile vs peers
28
Key Signals
NII Growth YoY 56.4% 59p Asset Growth YoY -11.0% 10p Equity Growth YoY -22.0% 5p
Strengths
  • Debt/Assets in top 20% of peers (12.0%, 82th percentile)
  • Dividends/Tangible Equity in top 20% of peers (-29.5%, 96th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-11.0%)
  • Equity Growth YoY in bottom 20% of peers (-22.0%)

Profitability

6th percentile vs peers
6
Key Signals
Strengths
Risks
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Safety

67th percentile vs peers
68
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Two Harbors Investments Corp 7..

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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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Fair Value Range Current: $-
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