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Ellington Credit Co

EARN

$4.40 ▲ +0.06 (+1.38%) at close

13 Visible periods

23 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

Ellington Credit Co shows mixed fundamentals. Consider comparing against peers in the Real Estate sector before making investment decisions.

Market Cap $103.7M

Dividend Yield 21.82%

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 15.7x

Price / Book 0.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

13-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$6.59M

↑ +44.5% —

Health Breakdown

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.96 Latest / share

+0.0% YoY

-1.6% 12-yr CAGR

$1.14

FY 2014

$2.20

FY 2015

$2.00

FY 2016

$1.65

FY 2017

$1.57

FY 2018

$1.45

FY 2019

$1.18

FY 2020

$1.12

FY 2021

$1.18

FY 2022

$1.04

FY 2023

$0.96

FY 2024

$0.96

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
EPS Growth YoY (%)	-9.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	-358.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	-8.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-29.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	N/M	N/M	—	—
Net Income Growth YoY (%)	44.5% Excellent Excellent Year-over-year change in net income	N/M	-378.6% Weak Weak Year-over-year change in net income	N/M	-9.6% Weak Weak Year-over-year change in net income	N/M	N/M	-9.4% Weak ↓ Weak Declining Year-over-year change in net income	39586.7% Excellent Excellent Year-over-year change in net income	-99.8% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	—	-42.5% Weak Weak Compound annual EPS growth over 3 years	—	—	20.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	—	-19.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Effective Tax Rate (%) (%)	7.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	-26.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-436%)	-4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-151%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+51%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+73%)	-7.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-192%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	9.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	-1.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD)	$-31.84M	$-38.53M	$-34.82M	$-69.03M	$-58.17M	$-35.35M	$-18.59M	$-56.12M	$-33.50M	$-40.17M	$-45.24M	$-50.11M	$0.00
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Basic EPS, GAAP (USD)	$0.28	$0.31	$-2.29	$-0.50	$1.63	$1.79	$-0.88	$0.93	$1.31	$0.00	$1.77	$-0.29	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.96	$0.96	$1.04	$1.18	$1.12	$1.18	$1.45	$1.57	$1.65	$2.00	$2.20	$1.14	—
Book Value per Share (USD)	$6.53	$7.32	$8.40	$11.76	$13.48	$12.91	$12.30	$14.45	$15.52	$15.86	$17.86	$18.29	$0.00
Tangible Book Value per Share (USD)	$6.53	$7.32	$8.40	$11.76	$13.48	$12.91	$12.30	$14.45	$15.52	$15.86	$17.86	$18.29	$0.00
Basic Weighted Avg Shares (shares)	23.58M	14.88M	13.16M	12.68M	12.35M	12.46M	12.81M	11.60M	9.12M	9.14M	9.14M	6.57M	—
Dividend Payout Ratio (%)	342.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	309.7% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-45.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-236.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	68.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	65.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-164.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	168.8% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	126.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	124.3% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	-393.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Total Equity (USD)	$193.73M	$136.24M	$112.41M	$154.22M	$166.40M	$160.84M	$153.82M	$192.70M	$141.68M	$144.85M	$163.37M	$167.18M	$0.00

📋 What is driving earnings? 2 metrics

Metric	FY 2025 Dec 31, 2024 10-K ↗	FY 2024 Dec 31, 2023 10-K ↗	FY 2023 Dec 31, 2022 10-K ↗	FY 2022 Dec 31, 2021 10-K ↗	FY 2021 Dec 31, 2020 10-K ↗	FY 2020 Dec 31, 2019 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗
Net Income, GAAP (USD)	$6.59M	$4.56M	$-30.20M	$-6.31M	$20.11M	$22.26M	$-11.29M	$10.79M	$11.91M	$30.00K	$16.17M	$-1.91M	—
Operating Cash Flow (USD)	$9.11M	$-10.02M	$22.42M	$27.88M	$24.37M	$17.53M	$28.85M	$34.41M	$19.93M	$24.80M	$21.26M	$25.51M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 13 years · 52 quarters

Ellington Credit Co

Analytical Summary

13-Year Financial Trajectory

Health Breakdown

Dividend History

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