Ellington Credit Co

EARN

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Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$129M

EPS–

P/E15.44

P/FCF–

EV/EBITDA–

FCF Yield–

Div. Yield17.24%

Net Debt/FCF–

Ellington Credit Co intrinsic value

52-Week Range

$3.26$5.70

Profitability & Returns

TTM as of 2025-03 · YoY vs prior year · ROIC = NOPAT / invested capital

Revenue

N/A

Net Income

N/A

Op. Margin

–

ROIC

–

Cash Flow & Balance Sheet

FCF = operating cash flow + capex · Net debt = total debt − cash · Balance sheet from latest filing

FCF

N/A

Op. Cash Flow

N/A

Net Debt

-$17M

Net Cash Position

Cash & Equiv.

$17M

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Quality Scorecard

Is this a high-quality business?

Dividends

Payout safety and growth

Intrinsic Value

What is it worth?

Financials

Full income, cash flow, balance sheet

Peers

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CMCTCreative Media & Community Trust Corp

$3.42+5.56%8

MDRRMedalist Diversified, Inc.

$10.55-2.31%65

BHMBluerock Homes Trust, Inc.

$7.18-0.51%59

Held by ETFs

EARN is in 1 US ETF. The largest of them, with EARN's weight in each:

DVKingsbarn Dividend Opportunity ETFDVDN4.54%of the fund

Ellington Credit (EARN) in three numbers

Quality score: 0/100; Best check: share count change, 180.8%.; Quality
Dividend (FY2024): $0.96; 27.99% yield, not raised in the latest year.; Dividends
P/E: 15.44; From the last twelve months of earnings.; Financials

Questions about Ellington Credit

Is Ellington Credit (EARN) overvalued?

Ellington Credit trades at 15.44 times earnings. Intrinsiqq's fair value calculator has no opening value for EARN, so weigh those multiples against the company's own history and the peers above. See how to tell if a stock is overvalued.

Is Ellington Credit a high-quality business?

Ellington Credit scores 0 out of 100 on Intrinsiqq's quality score, which makes it a lower-quality business on these measures. The score blends 1 checks computed from SEC filings. Its best check is share count change at 180.8%. The Quality tab shows every check against its target.

Does Ellington Credit (EARN) pay a dividend, and how much?

Yes. Ellington Credit (EARN) pays a dividend: $0.96 per share for fiscal 2024, a dividend yield of 27.99% at the latest close. Its dividend per share has shrunk at 4.0% a year over the last 5 years. The Dividends tab has the full payment history and the safety score.

Source: 10-Q filed 6 Jun 2025 (period ending 31 Mar 2025), SEC. Price: last close 4 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in EARN's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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