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Upturn AI SWOT - About
MFA 
MFA Financial Inc (MFA)
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Upturn Advisory Summary
07/01/2025: MFA (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
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.75
1 Year Target Price $14.75
| 1 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.93% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 971.10M USD | Price to earnings Ratio 9.56 | 1Y Target Price 14.75 |
Price to earnings Ratio 9.56 | 1Y Target Price 14.75 | ||
Volume (30-day avg) 7 | Beta 1.72 | 52 Weeks Range 7.56 - 11.75 | Updated Date 06/30/2025 |
52 Weeks Range 7.56 - 11.75 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 14.94% | Basic EPS (TTM) 0.99 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 46.95% | Operating Margin (TTM) 50.25% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 7.37% |
Valuation
Trailing PE 9.56 | Forward PE 7.22 | Enterprise Value 10144583680 | Price to Sales(TTM) 3.32 |
Enterprise Value 10144583680 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 26.73 | Enterprise Value to EBITDA - | Shares Outstanding 102653000 | Shares Floating 101193138 |
Shares Outstanding 102653000 | Shares Floating 101193138 | ||
Percent Insiders 0.91 | Percent Institutions 62.95 |
Analyst Ratings
Rating 2 | Target Price 14.75 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
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 in residential mortgage assets, including mortgage-backed securities and whole loans.
Core Business Areas
- Agency Mortgage-Backed Securities (MBS): Investments in MBS guaranteed by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and the Government National Mortgage Association (Ginnie Mae).
- Non-Agency MBS: Investments in MBS that are not guaranteed by GSEs or Ginnie Mae, and are subject to credit risk.
- Whole Loans: Investments in residential whole loans, including purchased credit deteriorated (PCD) loans, non-performing loans (NPLs), and residential transition loans.
Leadership and Structure
The leadership team consists of Craig Knutson (CEO), Gudrun Jonsson (CFO). The organizational structure is typical of a REIT, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Agency MBS: Agency MBS are their largest asset holding. It is difficult to assign an exact market share for MFA's holdings. Competitors include other REITs like AGNC Investment Corp. (AGNC), Annaly Capital Management (NLY), and Invesco Mortgage Capital (IVR).
- Non-Agency MBS: Non-Agency MBS offer higher yields but come with greater credit risk. MFA strategically allocates capital to this area. The market share is difficult to pin down as its a niche, but competitors are the same as Agency MBS.
- Whole Loans: Whole loans, particularly NPLs and residential transition loans, provide opportunities for attractive returns. The market is fragmented and comprised of REITs, private equity funds and other institutions. Competitors include other REITs as well as private loan buyers.
Market Dynamics
Industry Overview
The mortgage REIT industry is influenced by interest rate movements, credit spreads, and housing market conditions. REITs face risks related to leverage, prepayment speeds, and credit losses.
Positioning
MFA Financial positions itself as a diversified mortgage REIT focused on generating attractive risk-adjusted returns through its investment strategies.
Total Addressable Market (TAM)
The TAM for mortgage-backed securities and residential mortgages is in the trillions of dollars. MFA Financial Inc captures a small fraction of this TAM. The company is positioned to grow with strategic allocations and risk management.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Diversified investment portfolio
- Access to capital markets
- Established track record
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on leverage
- Exposure to credit risk
- Complex regulatory environment
Opportunities
- Expansion into new asset classes
- Strategic acquisitions
- Increased demand for mortgage credit
- Favorable regulatory changes
Threats
- Rising interest rates
- Economic downturn
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- IVR
- TWO
Competitive Landscape
MFA Financial competes with other mortgage REITs. Its advantages include its investment strategies. Disadvantages include sensitivity to interest rates.
Major Acquisitions
Lima One Capital
- Year: 2021
- Acquisition Price (USD millions): 161
- Strategic Rationale: Expanded MFA's presence in the business purpose lending market.
Growth Trajectory and Initiatives
Historical Growth: MFA's growth is tied to the housing and mortgage markets, and strategies. Review past annual reports for analysis.
Future Projections: Future growth projections are best obtained from analyst reports covering MFA Financial Inc.
Recent Initiatives: Recent initiatives require following press releases and company announcements of MFA Financial Inc.
Summary
MFA Financial is a mortgage REIT focused on risk-adjusted returns through investments in mortgage assets. The company's strengths lie in its experienced management and diversified portfolio but is susceptible to interest rate volatility. Recent acquisitions can fuel growth. Maintaining a robust risk management strategy is crucial for weathering market fluctuations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Financial news websites
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. 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 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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