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EFC 
Ellington Financial Inc. (EFC)
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Upturn Advisory Summary
02/20/2026: EFC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.62
1 Year Target Price $14.62
| 2 | Strong Buy |
| 4 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.54B USD | Price to earnings Ratio 9.37 | 1Y Target Price 14.62 |
Price to earnings Ratio 9.37 | 1Y Target Price 14.62 | ||
Volume (30-day avg) 8 | Beta 0.94 | 52 Weeks Range 10.08 - 13.98 | Updated Date 02/21/2026 |
52 Weeks Range 10.08 - 13.98 | Updated Date 02/21/2026 | ||
Dividends yield (FY) 12.53% | Basic EPS (TTM) 1.32 |
Earnings Date
Report Date 2026-02-12 | When - | Estimate 0.4459 | Actual - |
Profitability
Profit Margin 47.1% | Operating Margin (TTM) 51.82% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 9.28% |
Valuation
Trailing PE 9.37 | Forward PE 9.07 | Enterprise Value 16627011584 | Price to Sales(TTM) 4.68 |
Enterprise Value 16627011584 | Price to Sales(TTM) 4.68 | ||
Enterprise Value to Revenue 58.16 | Enterprise Value to EBITDA - | Shares Outstanding 124649023 | Shares Floating 105253807 |
Shares Outstanding 124649023 | Shares Floating 105253807 | ||
Percent Insiders 2.6 | Percent Institutions 45.41 |
Upturn AI SWOT
Ellington Financial Inc.
Company Overview
History and Background
Ellington Financial Inc. (EFC) was founded in 2007. It is a diversified institutional asset manager focused on mortgage, real estate, and other credit-related assets. The company has evolved to manage a broad range of investment strategies for institutional and retail clients.
Core Business Areas
- Residential Mortgage Loans: Acquiring, originating, and servicing residential mortgage loans, including non-QM and agency MBS.
- Asset-Backed Securities: Investing in and managing various types of asset-backed securities, including residential mortgage-backed securities (RMBS), commercial mortgage-backed securities (CMBS), and other securitized credit products.
- Real Estate: Investing in and managing real estate-related assets and strategies, including direct real estate investments and real estate debt.
- Other Credit Investments: Engaging in other credit-related investments such as corporate credit, structured credit, and direct lending.
Leadership and Structure
Ellington Financial Inc. is led by its management team, including its Chief Executive Officer and President. The company operates through various subsidiaries and investment vehicles to manage its diverse portfolio of assets.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loan Portfolio: Ellington Financial Inc. actively invests in and manages a substantial portfolio of residential mortgage loans, including non-qualified mortgages (non-QM) and agency mortgage-backed securities (MBS). The company aims to generate income and capital appreciation from these assets. Competitors include other REITs, mortgage originators, and asset managers specializing in mortgage credit. Specific market share data for this segment is not publicly disclosed in a granular manner, but it represents a core component of their investment strategy.
- Securitized Credit Investments: This includes a broad range of asset-backed securities, with a significant focus on RMBS and CMBS. Ellington Financial Inc. actively trades and manages positions in these markets. Competitors include investment banks, hedge funds, and other institutional investors in the securitized markets. Market share is difficult to quantify as it is a dynamic trading environment.
Market Dynamics
Industry Overview
Ellington Financial Inc. operates within the financial services sector, specifically focusing on real estate investment trusts (REITs) and asset management. The industry is influenced by interest rate environments, housing market conditions, regulatory changes, and overall economic health. The market for mortgage and real estate credit is competitive and subject to cyclical trends.
Positioning
Ellington Financial Inc. positions itself as a diversified asset manager with expertise in credit-intensive assets, particularly within the mortgage and real estate sectors. Its competitive advantages lie in its experienced management team, its ability to source and manage complex credit assets, and its diversified investment strategies.
Total Addressable Market (TAM)
The TAM for mortgage and real estate credit is vast, encompassing trillions of dollars in residential and commercial mortgages, securitized products, and related real estate assets globally. Ellington Financial Inc. targets specific niches within this broad market, focusing on segments where it believes it can generate attractive risk-adjusted returns. Its current assets under management represent a small fraction of this overall TAM, indicating significant room for expansion.
Upturn SWOT Analysis
Strengths
- Experienced management team with deep expertise in credit markets.
- Diversified investment strategies across various credit asset classes.
- Access to capital markets for funding and investment.
- Strong relationships with originators and servicers in the mortgage market.
Weaknesses
- Sensitivity to interest rate fluctuations and credit cycles.
- Reliance on external funding sources.
- Complexity of managing a diverse portfolio.
- Potential for concentration risk in certain asset classes.
Opportunities
- Growth in the non-QM mortgage market.
- Increased demand for securitized credit products.
- Potential for strategic partnerships and acquisitions.
- Expansion into new geographic or asset class markets.
Threats
- Rising interest rates impacting mortgage demand and asset values.
- Economic downturns leading to increased delinquencies and defaults.
- Regulatory changes affecting the financial services and mortgage industries.
- Intensified competition from other asset managers and investors.
Competitors and Market Share
Key Competitors
- Apollo Global Management, Inc. (APO)
- Blackstone Inc. (BX)
- Starwood Capital Group (Private)
- Carlyle Group Inc. (CG)
Competitive Landscape
Ellington Financial Inc. operates in a highly competitive landscape. While it has specialized expertise in mortgage and real estate credit, larger diversified asset managers and private equity firms possess greater scale and broader product offerings. EFC's advantage lies in its focus and agility within its chosen niches.
Growth Trajectory and Initiatives
Historical Growth: Ellington Financial Inc. has demonstrated growth through strategic acquisitions, expansion of its investment strategies, and growth in assets under management over the past years. Its historical growth has been influenced by market conditions and its ability to adapt its investment approach.
Future Projections: Future growth projections for Ellington Financial Inc. are typically based on analyst estimates, market trends, and the company's strategic initiatives. These projections often consider anticipated performance in its core business areas and potential for new ventures.
Recent Initiatives: Recent initiatives might include expanding into new credit markets, launching new investment funds, or making strategic acquisitions to enhance its portfolio and capabilities. Specific details would be found in their latest earnings calls and investor presentations.
Summary
Ellington Financial Inc. is a diversified financial asset manager with a strong focus on mortgage and real estate credit. The company's strengths lie in its experienced management and diversified strategies, while its weaknesses include sensitivity to interest rates and economic cycles. Opportunities exist in growing credit markets and strategic expansion, but threats from economic downturns and competition are significant. Overall, EFC is navigating a complex market, and its success hinges on its ability to effectively manage its credit portfolio and adapt to changing economic conditions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations materials (e.g., 10-K, 10-Q filings, investor presentations)
- Financial news and data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share data is estimated and may not be precise. Financial performance and market conditions are subject to change.
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 Financial Inc.
Exchange NYSE | Headquaters Old Greenwich, CT, United States | ||
IPO Launch date 2010-10-08 | CEO, President & Director Mr. Laurence Eric Penn | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 400 | |
Full time employees 400 | |||
Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, corporate-related, and other financial assets in the United States. It operates in two segments, Investment Portfolio and Longbridge. The company acquires and manages residential mortgage-backed securities (RMBS) backed by prime jumbo, Alt-A, non-QM, manufactured housing, subprime residential, and single-family-rental mortgage loans; RMBS for which the principal and interest payments are guaranteed by the U.S. government agency or the U.S. government-sponsored entity; residential and commercial mortgage loans; residential mortgage-backed securities; commercial mortgage-backed securities; consumer loans and asset-backed securities backed by consumer loans; investments referencing mortgage servicing rights on traditional forward mortgage loans; collateralized loan obligations; non-mortgage- and mortgage-related derivatives; debt and equity investments in loan origination companies; and other strategic investments. It also offers reverse mortgage loans, including associated financial assets, financing, hedging, and allocated expenses. The company qualifies as a real estate investment trust (REIT) for federal income tax purposes. As a REIT, it intends to distribute at least 90% of its taxable income as dividends to shareholders. Ellington Financial Inc. was incorporated in 2007 and is headquartered in Old Greenwich, Connecticut.
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