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EARN 
Ellington Residential Mortgage (EARN)
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Upturn Advisory Summary
12/10/2025: EARN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $5.88
1 Year Target Price $5.88
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.79% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 201.00M USD | Price to earnings Ratio 19.11 | 1Y Target Price 5.88 |
Price to earnings Ratio 19.11 | 1Y Target Price 5.88 | ||
Volume (30-day avg) 4 | Beta 1.29 | 52 Weeks Range 3.86 - 5.89 | Updated Date 12/10/2025 |
52 Weeks Range 3.86 - 5.89 | Updated Date 12/10/2025 | ||
Dividends yield (FY) 18.18% | Basic EPS (TTM) 0.28 |
Earnings Date
Report Date 2025-11-19 | When - | Estimate 0.2233 | Actual 0.23 |
Profitability
Profit Margin -14.61% | Operating Margin (TTM) 67.82% |
Management Effectiveness
Return on Assets (TTM) -0.6% | Return on Equity (TTM) -2.82% |
Valuation
Trailing PE 19.11 | Forward PE 5.81 | Enterprise Value 357156256 | Price to Sales(TTM) 5.6 |
Enterprise Value 357156256 | Price to Sales(TTM) 5.6 | ||
Enterprise Value to Revenue 12.66 | Enterprise Value to EBITDA - | Shares Outstanding 37570604 | Shares Floating 37040021 |
Shares Outstanding 37570604 | Shares Floating 37040021 | ||
Percent Insiders 1.41 | Percent Institutions 11.15 |
Upturn AI SWOT
Ellington Residential Mortgage
Company Overview
History and Background
Ellington Residential Mortgage REIT (EARN) was founded in 2013. It focuses on acquiring and managing residential mortgage-backed securities (RMBS), with a primary emphasis on agency RMBS, non-agency RMBS, and other mortgage-related assets.
Core Business Areas
- Agency RMBS: Investments in residential mortgage-backed securities for which the principal and interest payments are guaranteed by a U.S. Government agency or a U.S. Government-sponsored entity (GSE), such as Fannie Mae, Freddie Mac, or Ginnie Mae.
- Non-Agency RMBS: Investments in RMBS that are not guaranteed by a U.S. Government agency or GSE. These securities typically have higher yields but also carry higher risks.
- Other Mortgage-Related Assets: Investments in other types of mortgage-related assets such as mortgage loans and other mortgage-backed securities.
Leadership and Structure
Laurence Penn is the Chief Executive Officer. The company operates as a real estate investment trust (REIT), managed externally by Ellington Management Group, LLC.
Top Products and Market Share
Key Offerings
- Agency RMBS: These securities comprise a significant portion of EARN's portfolio, offering relatively lower risk due to government guarantees. Market share data specific to EARN's agency RMBS holdings is not readily available. Competitors include other mortgage REITs such as AGNC Investment Corp. (AGNC) and Annaly Capital Management (NLY).
- Non-Agency RMBS: These securities offer potentially higher yields but involve greater credit and liquidity risk. Market share data specific to EARN's non-agency RMBS holdings is not readily available. Competitors include other mortgage REITs investing in non-agency RMBS, such as MFA Financial, Inc. (MFA).
Market Dynamics
Industry Overview
The mortgage REIT industry is sensitive to interest rate fluctuations, credit spreads, and prepayment speeds. The sector experiences changes based on macroeconomic conditions and monetary policy. Housing market conditions are a significant indicator of the success of mortgage REITs.
Positioning
Ellington Residential Mortgage REIT positions itself as a specialist in residential mortgage-backed securities with a focus on active management and hedging strategies to mitigate risks. Its competitive advantages include its experienced management team and its focus on specialized segments of the RMBS market.
Total Addressable Market (TAM)
The total addressable market for residential mortgage-backed securities is estimated to be several trillion dollars. Ellington Residential Mortgage occupies a small portion of this TAM but is active within its chosen niches.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Focus on specialized segments of the RMBS market
- Active hedging strategies to manage interest rate risk
- External management structure allows for flexible capital allocation
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on external management
- Smaller market capitalization compared to larger peers
- High leverage
Opportunities
- Potential for increased returns from distressed mortgage assets
- Expansion into new mortgage-related asset classes
- Increased demand for housing due to demographic trends
- Implementation of more sophisticated risk management techniques
Threats
- Rising interest rates
- Increased competition from other mortgage REITs
- Economic recession leading to higher default rates
- Changes in government regulations impacting the mortgage market
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- MFA
- IVR
- ARR
Competitive Landscape
Ellington Residential Mortgage faces competition from larger, more established mortgage REITs. It differentiates itself through its focus on specific segments of the RMBS market and its active management approach. This helps with profitability but makes it harder to gain a larger market share.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to RMBS performance and interest rate cycles.
Future Projections: Future growth is dependent on the mortgage market landscape and the company's investment decisions. Analyst estimates vary.
Recent Initiatives: Recent strategic initiatives undertaken by Ellington Residential Mortgage include portfolio optimization and adjustments to hedging strategies.
Summary
Ellington Residential Mortgage is a smaller REIT focusing on residential mortgage-backed securities. Its specialized approach and active management are positives. Its sensitivity to interest rate changes and reliance on external management are points to consider. Recent portfolio adjustments show proactive measures for growth.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ellington Residential Mortgage
Exchange NYSE | Headquaters Old Greenwich, CT, United States | ||
IPO Launch date 2013-05-01 | CEO, President & Trustee Mr. Laurence Eric Penn | ||
Sector Financial Services | Industry Asset Management | Full time employees - | Website https://www.ellingtoncredit.com |
Full time employees - | Website https://www.ellingtoncredit.com | ||
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.
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