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EFC 
Ellington Financial Inc. (EFC)
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Upturn Advisory Summary
12/19/2025: EFC (3-star) is a STRONG-BUY. BUY since 47 days. Simulated Profits (3.13%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
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 |
Analysis of Past Performance
Type Stock | Historic Profit 28.68% | Avg. Invested days 67 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/19/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.49B USD | Price to earnings Ratio 10.48 | 1Y Target Price 14.62 |
Price to earnings Ratio 10.48 | 1Y Target Price 14.62 | ||
Volume (30-day avg) 8 | Beta 0.94 | 52 Weeks Range 10.28 - 13.91 | Updated Date 12/20/2025 |
52 Weeks Range 10.28 - 13.91 | Updated Date 12/20/2025 | ||
Dividends yield (FY) 11.30% | Basic EPS (TTM) 1.32 |
Earnings Date
Report Date - | When - | Estimate - | 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 10.48 | Forward PE 9.07 | Enterprise Value 16784765952 | Price to Sales(TTM) 4.5 |
Enterprise Value 16784765952 | Price to Sales(TTM) 4.5 | ||
Enterprise Value to Revenue 57.73 | Enterprise Value to EBITDA - | Shares Outstanding 107316429 | Shares Floating 104925419 |
Shares Outstanding 107316429 | Shares Floating 104925419 | ||
Percent Insiders 3.04 | Percent Institutions 51.25 |
Upturn AI SWOT
Ellington Financial Inc.
Company Overview
History and Background
Ellington Financial Inc. (NYSE: EFC) was founded in 2007 and has since evolved into a diversified financial services company. It focuses on acquiring and managing various credit-related assets and real estate-related assets. The company has undergone several strategic shifts and expansions to adapt to market dynamics.
Core Business Areas
- Residential Mortgage Credit: This segment involves the origination, acquisition, and securitization of residential mortgage loans, including those with government guarantees and those that are non-qualified mortgages (non-QM).
- Consumer and Commercial Loans: Ellington Financial invests in and manages a portfolio of consumer loans, including personal loans, auto loans, and small business loans, as well as commercial real estate loans.
- Asset Management: The company manages various investment vehicles and portfolios on behalf of itself and its clients, often focused on credit and real estate-related investments.
- Real Estate and Other Investments: This encompasses investments in real estate-related assets such as mortgage servicing rights (MSRs), real estate debt, and other opportunistic investments.
Leadership and Structure
Ellington Financial Inc. is led by a management team that includes Michael V. McMahon (President and CEO) and Laurence W. Gottlieb (Chairman). The company operates as a publicly traded entity with a corporate structure designed to manage its diverse portfolio of financial assets.
Top Products and Market Share
Key Offerings
- Residential Mortgage Credit Investments: Ellington Financial actively invests in and originates residential mortgages, particularly non-QM loans. The market for non-QM loans is growing, with competitors including other specialty finance companies and mortgage originators. Precise market share data for EFC within this niche is not publicly disclosed but is part of a rapidly expanding segment of the mortgage market.
- Consumer Loan Portfolios: The company acquires and manages portfolios of consumer loans. This market is highly competitive, with numerous financial institutions, fintech lenders, and specialized loan servicers. EFC's market share in specific consumer loan types is not readily available but is a growing area of focus.
- Mortgage Servicing Rights (MSRs): Ellington Financial invests in MSRs, which represent the right to service mortgage loans. This is a competitive market with specialized MSR investors and servicers. The value of MSRs is influenced by interest rate volatility.
Market Dynamics
Industry Overview
Ellington Financial operates within the broader financial services and specialty finance industry. This sector is influenced by interest rate environments, regulatory changes, economic conditions, and the availability of credit. The demand for non-traditional credit products, such as non-QM mortgages, is a significant trend.
Positioning
Ellington Financial positions itself as a diversified investor and manager of credit and real estate-related assets. Its strength lies in its ability to source, structure, and manage complex financial instruments and portfolios. The company's diversified approach aims to mitigate risks associated with any single asset class.
Total Addressable Market (TAM)
The Total Addressable Market for Ellington Financial is vast, encompassing segments of the mortgage market, consumer lending, commercial real estate finance, and asset management globally. For instance, the US mortgage market alone is trillions of dollars. Ellington Financial is positioned as a specialized player within various niches of this TAM, focusing on areas where it can leverage its expertise.
Upturn SWOT Analysis
Strengths
- Diversified asset portfolio across multiple credit and real estate sectors.
- Expertise in complex financial instruments and securitization.
- Experienced management team with a strong track record in financial markets.
- Ability to adapt to changing market conditions and identify niche opportunities.
Weaknesses
- Sensitivity to interest rate fluctuations, which can impact asset valuations and hedging strategies.
- Reliance on the availability of funding and capital markets for growth and operations.
- Potential for higher risk associated with certain non-traditional credit assets.
- Limited brand recognition compared to larger, more established financial institutions.
Opportunities
- Growth in the non-QM mortgage market and other alternative credit segments.
- Potential for strategic acquisitions and partnerships to expand asset base and capabilities.
- Leveraging technology and data analytics to improve investment and servicing processes.
- Increasing demand for credit solutions from underserved market segments.
Threats
- Downturns in the housing market or broader economic recession.
- Adverse changes in interest rate policy by central banks.
- Increased regulatory scrutiny and compliance costs within the financial sector.
- Intensifying competition from both traditional and new market entrants.
Competitors and Market Share
Key Competitors
- Apollo Global Management, Inc. (APO)
- Blackstone Inc. (BX)
- Invesco Mortgage Capital Inc. (IVR)
- Two Harbors Investment Corp. (TWO)
- Chimera Investment Corporation (CIM)
Competitive Landscape
Ellington Financial competes in a landscape dominated by larger asset managers and specialized mortgage REITs. Its competitive advantages lie in its agility, niche focus within credit and real estate, and specialized expertise. However, it faces challenges from the scale and broader product offerings of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Ellington Financial has demonstrated growth through strategic acquisitions, expansion into new asset classes, and organic growth in its origination businesses. Its historical trajectory reflects a dynamic approach to expanding its investment portfolio and income streams.
Future Projections: Future growth projections for Ellington Financial are generally tied to the expansion of its core business segments, particularly in residential mortgage credit and consumer loans. Analyst estimates often consider the company's ability to navigate interest rate environments and capitalize on evolving credit market opportunities.
Recent Initiatives: Recent initiatives for Ellington Financial may include expanding its non-QM origination platform, investing in new areas of consumer lending, and exploring strategic partnerships to enhance its asset management capabilities.
Summary
Ellington Financial Inc. is a diversified financial services company with strengths in credit and real estate asset management. Its diversified approach and expertise in niche markets are key advantages. However, it faces significant threats from interest rate volatility and economic downturns. Continued strategic expansion into growing segments like non-QM mortgages and consumer lending will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's official filings (e.g., 10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv)
- Industry research 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. Users should conduct their own due diligence before making any investment decisions.
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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