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Upturn AI SWOT - About
Ellington Financial Inc. (EFC-PD)
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Upturn Advisory Summary
10/24/2025: EFC-PD (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.
Analysis of Past Performance
Type Stock | Historic Profit 10.39% | Avg. Invested days 61 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
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. was founded in 2007 and is a specialty finance company that invests in a diverse array of financial assets, including mortgage-backed securities (MBS), consumer loans, commercial mortgage loans, and other financial assets.
Core Business Areas
- Residential Mortgage Loans: Invests in and manages residential mortgage loans, including both agency and non-agency MBS.
- Commercial Mortgage Loans: Focuses on originating and acquiring commercial mortgage loans and other CRE debt.
- Consumer Loans: Engages in the origination and acquisition of various consumer loans.
- Other: Invests in other assets such as corporate debt, equity securities and derivatives.
Leadership and Structure
Laurence Penn is the Chief Executive Officer. The company operates with a management team overseeing various investment and operational aspects.
Top Products and Market Share
Key Offerings
- Residential Mortgage-Backed Securities (RMBS): Invests in and manages a diverse portfolio of RMBS. Market share data is not publicly available at a granular level. Competitors include other REITs specializing in RMBS investments, such as AGNC Investment Corp. (AGNC), and Annaly Capital Management (NLY). Revenue Contribution: Not publicly broken down. Indirect Competition: Investment Banks, REITs.
- Commercial Mortgage Loans: Originates and acquires commercial mortgage loans. Market share data is fragmented and not easily accessible. Competitors include Blackstone Mortgage Trust (BXMT) and Starwood Property Trust (STWD). Revenue Contribution: Not publicly broken down. Indirect Competition: Mortgage REITs, Private Equity Firms.
- Consumer Loans: Invests in a portfolio of consumer loans. Market share data not easily accessible for specific investments. Competitors include Upstart (UPST) and LendingClub (LC). Revenue Contribution: Not publicly broken down. Indirect Competition: Fintech lenders.
Market Dynamics
Industry Overview
The specialty finance industry is influenced by interest rates, economic conditions, and regulatory changes. Demand for mortgage credit and consumer loans drives investment opportunities.
Positioning
Ellington Financial Inc. positions itself as a diversified investor in credit-related assets, aiming to generate attractive risk-adjusted returns through active portfolio management.
Total Addressable Market (TAM)
The TAM consists of the entire market of mortgage-backed securities, commercial real estate lending, and consumer credit. While TAM is in the trillions, Ellington Financial focuses on specific niches within these segments. Company is positioning itself as a niche alternative credit provider capturing part of the TAM through its own origination channels. Market value changes with rising interest rates and increased volatility
Upturn SWOT Analysis
Strengths
- Experienced Management Team
- Diversified Investment Portfolio
- Active Portfolio Management
- Origination Capabilities
Weaknesses
- Sensitivity to Interest Rate Changes
- Reliance on Leverage
- Credit Risk
- Complexity of Investment Portfolio
Opportunities
- Expansion into New Asset Classes
- Increased Demand for Private Credit
- Strategic Acquisitions
- Growth in the Consumer Loan Market
Threats
- Economic Downturn
- Increased Competition
- Regulatory Changes
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- BXMT
- STWD
Competitive Landscape
Ellington Financial Inc. competes with larger REITs but differentiates itself through its diversified investment approach and active portfolio management.
Major Acquisitions
Longbridge Financial, LLC
- Year: 2017
- Acquisition Price (USD millions): 141.5
- Strategic Rationale: Expanded presence in the reverse mortgage market and diversified revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by strategic investments and asset allocation decisions.
Future Projections: Analyst estimates are needed for concrete projections.
Recent Initiatives: Recent initiatives could include expansion into new asset classes or strategic partnerships.
Summary
Ellington Financial Inc. is a specialty finance company with a diversified portfolio. Their active management and origination capabilities are strengths. However, their reliance on leverage and interest rate sensitivity pose risks. Strategic acquisitions like Longbridge show their path for growth and expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
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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