Ellington Credit Company EARN FINANCIAL
Company Overview
Ellington Credit Company, a closed-end management investment company, focuses on generating current yields and risk-adjusted total returns by investing primarily in collateralized loan obligations. It invests in mezzanine debt and equity tranches. The company was formerly known as Ellington Residential Mortgage REIT and changed its name to Ellington Credit Company in April 2024. Ellington Credit Company was incorporated in 2012 and is headquartered in Old Greenwich, Connecticut.
Why Investors Should Care
Trades at an undemanding P/E of 15.5.
Operating margin of 68.0% supports profitability.
Offers a dividend yield of 22.02%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue -19.3%, earnings +69.8%.
- 5-Year Trend Long-term compounding — profit CAGR -21.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | -19.30% |
Compounded Profit Growth
| 5 Years: | -21.61% |
| 1 Year: | 69.80% |
Stock Price Performance
| 1 Year: | -8.80% |
| 6 Months: | +6.48% |
| 3 Months: | -1.08% |
| 1 Month: | +0.45% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)50.82 · Neutral
P/E of 15.50 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 22.02%.
CONS
- Earnings shrank at -21.6% CAGR over 5 years.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | EARN Ellington Credit Company FINANCIAL | 4.34 | 15.50 | $163.05M | 22.02% | - | -20.32% | - | -21.61% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 3.53M | -1.18M | 3.68M | 190.00K | -4.82M | 980.00K | -239.00K | 3.51M | 6.63M | 2.01M | 2.05M | 1.60M | 6.34M | 793.00K | -3.95M | 1.79M | 946.00K | -10.07M | 8.93M | -107.00K | 3.73M | 9.71M | -16.75M | 21.34M | 8.12M | 7.39M | 127.00K | -4.54M | 860.00K | -2.76M | -17.47M | -10.74M | -13.67M | 2.34M | 1.20M | -11.42M | 3.96M | -815.00K | 5.45M | -7.87M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | -1.91M | 16.17M | 30.00K | 11.91M | 10.79M | -11.29M | 22.26M | 20.11M | -6.31M | -30.20M | 4.56M | 6.59M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Sep 2012 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Mar 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 32.16M | 1.51B | 1.52B | 1.56B | 1.43B | 1.89B | 1.68B | 1.49B | 1.19B | 1.60B | 1.05B | 945.69M | - | 824.09M | 783.56M |
| Total Equity | 0 | 30.96M | 167.18M | 163.37M | 144.85M | 141.68M | 192.70M | 153.82M | 160.84M | 166.40M | 154.22M | 112.41M | 136.24M | 142.92M | 193.73M | 228.50M |
| Cash & Equivalents | 0 | 18.16M | 50.11M | 45.24M | 40.17M | 33.50M | 56.12M | 18.59M | 35.35M | 58.17M | 69.03M | 34.82M | 38.53M | 22.44M | 31.84M | 17.38M |
| Total Liabilities | - | 1.19M | 1.34B | 1.36B | 1.41B | 1.29B | 1.69B | 1.52B | 1.33B | 1.03B | 1.44B | 941.22M | 809.45M | - | 630.37M | 555.06M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 25.51M | 21.26M | 24.80M | 19.93M | 34.41M | 28.85M | 17.53M | 24.37M | 27.88M | 22.42M | -10.02M | 9.11M |
| Investing Cash Flow | -1.45B | -19.03M | 90.07M | 13.86M | -475.52M | 62.83M | 221.85M | 304.06M | -15.23M | 110.55M | 85.72M | 116.45M |
| Financing Cash Flow | 1.45B | -7.11M | -119.94M | -40.45M | 463.72M | -129.21M | -222.62M | -305.61M | -1.79M | -167.18M | -71.98M | -132.25M |
| Share Buybacks | 0 | 0 | 375.00K | 196.00K | 0 | 9.39M | 747.00K | 986.00K | 0 | 262.00K | 0 | 0 |
| Dividends Paid | 5.85M | 19.66M | 19.21M | 15.51M | 17.59M | 19.09M | 15.47M | 13.84M | 17.27M | 13.94M | 14.12M | 22.21M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | -1.1% | 9.9% | 0.0% | 8.4% | 5.6% | -7.3% | 13.8% | 12.1% | -4.1% | -26.9% | 3.3% | 3.4% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Arrowstreet Capital, Limited Partnership | 0.66% | 251.73K | $1.06M |
| 2 | Castlekeep Investment Advisors LLC | 0.47% | 179.86K | $760.79K |
| 3 | Clear Harbor Asset Management, LLC | 0.41% | 155.56K | $658.00K |
| 4 | EMG Holdings, L.P. | 0.39% | 149.09K | $630.63K |
| 5 | Osaic Holdings Inc. | 0.31% | 117.38K | $496.50K |
| 6 | Envestnet Asset Management Inc. | 0.25% | 96.11K | $406.55K |
| 7 | Vident Advisory, LLC | 0.11% | 41.49K | $175.49K |
| 8 | UBS Group AG | 0.10% | 36.99K | $156.45K |
| 9 | Focus Financial Network Inc | 0.09% | 34.84K | $147.39K |
| 10 | Decision Investments, Inc | 0.09% | 33.88K | $143.31K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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EARN — Frequently Asked Questions
What is the current share price of Ellington Credit Company (EARN)?
As of 2026-09-19 21:16 PDT, Ellington Credit Company (EARN) trades at $4.34 on NYSE. Its 52-week range is $3.90 to $4.98.
What is the market capitalisation of EARN?
Ellington Credit Company (EARN) has a market capitalisation of $163.05M on NYSE.
What is the P/E ratio of EARN?
EARN trades at a trailing price-to-earnings (P/E) ratio of 15.50. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.03.
Does EARN pay a dividend?
Ellington Credit Company (EARN) currently offers a dividend yield of 22.02%.
What is the return on equity (ROE) of EARN?
EARN has a return on equity (ROE) of -20.32%.
Is EARN a good stock to buy?
This page provides a data-driven analysis of Ellington Credit Company (EARN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.