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Upturn AI SWOT - About
MFA 
MFA Financial Inc (MFA)
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Upturn Advisory Summary
09/15/2025: MFA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.42
1 Year Target Price $14.42
| 1 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.67% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.04B USD | Price to earnings Ratio 11.49 | 1Y Target Price 14.42 |
Price to earnings Ratio 11.49 | 1Y Target Price 14.42 | ||
Volume (30-day avg) 7 | Beta 1.75 | 52 Weeks Range 7.56 - 11.75 | Updated Date 09/14/2025 |
52 Weeks Range 7.56 - 11.75 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 13.92% | Basic EPS (TTM) 0.88 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.15% | Operating Margin (TTM) 46.33% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 6.93% |
Valuation
Trailing PE 11.49 | Forward PE 6.83 | Enterprise Value 10320422912 | Price to Sales(TTM) 3.65 |
Enterprise Value 10320422912 | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 28.17 | Enterprise Value to EBITDA - | Shares Outstanding 102669000 | Shares Floating 101208753 |
Shares Outstanding 102669000 | Shares Floating 101208753 | ||
Percent Insiders 0.91 | Percent Institutions 59.11 |
Upturn AI SWOT
MFA Financial Inc
Company Overview
History and Background
MFA Financial Inc. was founded in 1997. It is a real estate investment trust (REIT) that invests primarily in residential mortgage assets.
Core Business Areas
- Residential Whole Loans: Investments in residential whole loans, including purchased credit deteriorated (PCD) and purchased credit impaired (PCI) loans. These loans may be newly originated, seasoned, or non-performing.
- Mortgage-Backed Securities (MBS): Investments in agency and non-agency MBS. Agency MBS are guaranteed by government-sponsored enterprises like Fannie Mae and Freddie Mac, while non-agency MBS are not.
- Business Purpose Loans (BPL): Investments in loans for business purposes, often to real estate investors for renovation and resale. Investments are primarily in residential real estate.
Leadership and Structure
MFA Financial Inc. is led by Craig Knutson (CEO). The organizational structure includes departments for investment management, risk management, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Whole Loans: MFA's investments in residential whole loans involve acquiring loans at a discount and managing them to maximize returns. Market share data is not readily available. Competitors include other REITs specializing in whole loan investments, private equity firms, and asset managers.
- Mortgage-Backed Securities (MBS): MFA invests in both agency and non-agency MBS, generating income from interest payments. Market share data is not readily available. Competitors include Annaly Capital Management (NLY), AGNC Investment Corp (AGNC), and other REITs investing in MBS.
- Business Purpose Loans (BPL): Business purpose loans offer high yield potential for MFA, which acquires loans at a discount and earns revenue through interest, loan origination or servicing. Competitors include REITs specializing in business purpose loans, banks, private credit funds, and specialized lenders.
Market Dynamics
Industry Overview
The mortgage REIT industry is influenced by interest rates, economic conditions, and housing market trends. Rising interest rates and economic uncertainty can negatively impact mortgage REITs.
Positioning
MFA Financial Inc. positions itself as a diversified mortgage REIT with investments across various residential mortgage asset classes, aiming to generate attractive risk-adjusted returns.
Total Addressable Market (TAM)
The TAM for mortgage REITs investing in residential mortgage assets is in the trillions of dollars. MFA is positioned as one of many players in a large and fragmented market.
Upturn SWOT Analysis
Strengths
- Diversified investment portfolio across residential mortgage assets
- Experienced management team with expertise in mortgage investments
- Focus on risk management and capital allocation
- Active management of loan portfolio
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on leverage to generate returns
- Exposure to credit risk in non-agency MBS and whole loans
- Complex financial instruments and strategies
Opportunities
- Potential for higher returns in a rising interest rate environment through active management
- Acquisition of distressed mortgage assets at attractive valuations
- Expansion into new residential mortgage asset classes
- Growth in business purpose lending market
Threats
- Rising interest rates increasing borrowing costs and decreasing asset values
- Economic recession leading to higher mortgage defaults
- Increased competition from other mortgage REITs and investors
- Changes in government regulations impacting the mortgage market
Competitors and Market Share
Key Competitors
- NLY
- AGNC
- TWO
Competitive Landscape
MFA Financial Inc. competes with other mortgage REITs for capital and investment opportunities. MFA differentiates itself through its diversified investment portfolio and risk management strategies. NLY and AGNC are much larger competitors.
Growth Trajectory and Initiatives
Historical Growth: MFA's growth is dependent on market conditions and investment performance.
Future Projections: Analyst estimates for future growth vary. Refer to financial analyst reports for projections.
Recent Initiatives: Recent strategic initiatives may include changes in portfolio allocation, risk management strategies, or expansion into new asset classes. Refer to MFA's press releases and investor presentations.
Summary
MFA Financial Inc. is a mortgage REIT that invests in residential mortgage assets. It is subject to interest rate risk and credit risk. While it has a diversified portfolio and an experienced management team, its performance is closely tied to the housing market and macroeconomic conditions. MFA aims to deliver attractive risk-adjusted returns through active management and careful capital allocation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- MFA Financial Inc. Investor Relations
- SEC Filings
- Financial News Outlets
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is approximate and based on publicly available information.
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 MFA Financial Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1998-04-13 | CEO & Director Mr. Craig L. Knutson | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 348 | Website https://www.mfafinancial.com |
Full time employees 348 | Website https://www.mfafinancial.com | ||
MFA Financial, Inc., together with its subsidiaries, operates as a real estate investment trust in the United States. It invests in residential mortgage securities, including non-agency mortgage-backed securities, agency MBS, and credit risk transfer securities; residential whole loans, including purchased performing loans, purchased credit deteriorated, and non-performing loans; and mortgage servicing rights related assets. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. MFA Financial, Inc. was incorporated in 1997 and is based in New York, New York.
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