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Ellington Financial Inc. (EFC-PD)
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Upturn Advisory Summary
12/30/2025: EFC-PD (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 3.24% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/30/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.98 | 52 Weeks Range 19.13 - 26.49 | Updated Date 06/29/2025 |
52 Weeks Range 19.13 - 26.49 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 7.61% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 48.96% | Operating Margin (TTM) 54.25% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 9.61% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 16408274944 | Price to Sales(TTM) - |
Enterprise Value 16408274944 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 92152199 |
Shares Outstanding - | Shares Floating 92152199 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Ellington Financial Inc.
Company Overview
History and Background
Ellington Financial Inc. (EFC) was founded in 2007 and is a leading specialty finance company. It primarily invests in and manages various credit-sensitive assets and related businesses. Over time, EFC has expanded its investment portfolio to include residential and commercial mortgage-backed securities (MBS), mortgage loans, asset-backed securities (ABS), and other credit-related assets. The company has strategically grown through both organic initiatives and acquisitions to diversify its revenue streams and enhance its market position.
Core Business Areas
- Residential Mortgage Credit: Investing in and managing residential mortgage-backed securities (RMBS) and residential mortgage loans. This includes agency RMBS, non-agency RMBS, and flow mortgage loan origination.
- Commercial Mortgage Credit: Investing in and managing commercial mortgage-backed securities (CMBS) and commercial mortgage loans.
- Consumer and Other Credit: Investing in and managing various other credit assets, including asset-backed securities (ABS) backed by consumer loans, auto loans, and other receivables.
- Loan Origination and Servicing: Engaging in the origination and servicing of residential and commercial mortgage loans through its subsidiaries.
Leadership and Structure
Ellington Financial Inc. is led by a seasoned management team, with Michael V. Bartolone serving as Chief Executive Officer and President. The company operates as a publicly traded REIT (Real Estate Investment Trust). Its structure involves a board of directors overseeing the strategic direction and operations, supported by various executive officers responsible for different aspects of the business, including investments, finance, legal, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgage-Backed Securities (RMBS): Ellington Financial is a significant investor in both agency and non-agency RMBS. The market for RMBS is vast, with trillions of dollars in outstanding securities. Competitors include other REITs, investment banks, hedge funds, and asset managers. Specific market share for EFC within this segment is not publicly disclosed but is considered substantial given their strategy.
- Residential Mortgage Loans: Through its origination and servicing arms, EFC participates in the residential mortgage market. This involves both purchasing existing mortgage loans and originating new ones. Competitors include large banks, independent mortgage lenders, and other specialty finance companies. Market share is fragmented and highly competitive.
- Commercial Mortgage-Backed Securities (CMBS): EFC also invests in CMBS, which are backed by loans on commercial properties. The CMBS market is a significant portion of the broader commercial real estate debt market. Competitors include investment banks and other institutional investors. Specific market share data for EFC is not publicly available.
- Asset-Backed Securities (ABS): Investment in ABS, which are backed by pools of other assets like auto loans, credit card receivables, and student loans. This diversifies EFC's credit exposure. Competitors are broad and include many financial institutions.
Market Dynamics
Industry Overview
Ellington Financial operates within the specialty finance and real estate investment trust (REIT) sectors, with a strong focus on credit-sensitive assets. The industry is influenced by macroeconomic factors such as interest rates, inflation, economic growth, and housing market trends. The mortgage market, in particular, is highly sensitive to interest rate policies set by the Federal Reserve. Regulatory changes also play a significant role in the securitization and lending landscape.
Positioning
Ellington Financial is positioned as a diversified investor in credit-sensitive assets, leveraging its expertise in securitization and credit analysis. Its strength lies in its ability to identify and manage complex credit exposures across various asset classes. The company's strategy often involves actively managing its portfolio to adapt to changing market conditions, aiming for attractive risk-adjusted returns.
Total Addressable Market (TAM)
The total addressable market for Ellington Financial is vast, encompassing the trillions of dollars in residential and commercial mortgage markets, as well as broader consumer and corporate credit markets globally. The US mortgage market alone is valued in the trillions. Ellington Financial's positioning is as a specialized investor within these large markets, seeking to capture a share through its specific investment strategies and expertise.
Upturn SWOT Analysis
Strengths
- Diversified investment portfolio across various credit asset classes.
- Experienced management team with deep expertise in credit markets and securitization.
- Ability to actively manage portfolio and adapt to market changes.
- Access to capital markets for funding its investments.
- Structured as a REIT, providing tax advantages.
Weaknesses
- Sensitivity to interest rate fluctuations, which can impact asset values and financing costs.
- Reliance on borrowed funds, increasing leverage risk.
- Exposure to credit risk inherent in its investment portfolio.
- Potential for significant valuation changes in its assets based on economic conditions.
- Relatively smaller size compared to some large financial institutions.
Opportunities
- Potential for strategic acquisitions to expand business lines or asset base.
- Opportunities in distressed credit markets during economic downturns.
- Growth in securitization markets for various asset types.
- Leveraging technology for enhanced credit analysis and operational efficiency.
- Expansion into new or underserved credit markets.
Threats
- Rising interest rates increasing borrowing costs and decreasing asset values.
- Economic recession leading to increased loan defaults and credit losses.
- Changes in government housing policy or regulatory environment.
- Increased competition from other financial institutions.
- Geopolitical events impacting global financial markets.
Competitors and Market Share
Key Competitors
- Apollo Commercial Real Estate Finance Inc. (ARI)
- Starwood Property Trust, Inc. (STWD)
- Arbor Realty Trust, Inc. (ABR)
- Blackstone Mortgage Trust, Inc. (BXMT)
- Apollo Global Management (APO) (as a broader alternative asset manager with similar investment strategies)
Competitive Landscape
Ellington Financial competes in a highly dynamic and competitive landscape. Its competitive advantages stem from its specialized expertise in credit analysis, portfolio management, and its ability to structure and execute complex transactions. However, it faces competition from larger, more diversified financial institutions, as well as other specialized REITs and alternative asset managers with significant capital pools and established market presence.
Growth Trajectory and Initiatives
Historical Growth: Ellington Financial has demonstrated growth through strategic expansion of its investment portfolio and through acquisitions. Its history is marked by adapting to evolving market conditions, particularly in the mortgage and credit sectors. Growth has been influenced by its ability to source attractive assets and manage its leverage effectively.
Future Projections: Future growth for Ellington Financial is anticipated to be driven by continued strategic investments in its core asset classes, potential expansion into new credit areas, and the ongoing management of its existing portfolio. Analyst estimates for future earnings and dividend growth would provide insights into projected trajectories, often tied to anticipated interest rate movements and economic conditions.
Recent Initiatives: Recent initiatives may include expanding its residential and commercial loan origination and servicing businesses, exploring new securitization opportunities, and making strategic adjustments to its investment portfolio based on macroeconomic outlooks and market opportunities.
Summary
Ellington Financial Inc. is a well-established specialty finance company with a diversified portfolio of credit-sensitive assets. Its strengths lie in its experienced management team and adaptable investment strategies, allowing it to navigate complex financial markets. However, it is susceptible to interest rate fluctuations and broader economic downturns. Continued focus on prudent risk management and strategic opportunistic investments will be crucial for sustained success amidst a competitive landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Ellington Financial Inc. SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Financial Data Aggregators (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry Research Reports
Disclaimers:
This JSON output is generated based on publicly available information and analytical models. It is intended for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any securities. Users should conduct their own due diligence and consult with a qualified financial advisor before making investment decisions. Market share data is estimated and may not reflect precise current figures.
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 2023-12-14 | 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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