Ellington Credit Company (EARN) Stock Price

EARNStock

$3.46−32.55%52W

Market Cap$135.98M

P/E—

PEG Ratio—

Div yield17.91%

Beta1.30

EARN Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-35.18%

Price vs S&P 500 (4W)-17.83%

VGM Score55.14

Indicated Dividend Yield (Annual)17.91%

P/CF (Annual)0.40x

Book Value / Share (Quarterly)$4.05

P/TBV (Annual)0.88x

Indicated Dividend (Annual)$0.96

Revenue Growth (3Y)6.78%

Cash Flow / Share (Quarterly)$10.00

Payout Ratio (TTM)128.57%

Price vs S&P 500 (YTD)-46.27%

Gross Margin (TTM)63.17%

Net Profit Margin (TTM)-114.20%

EPS (TTM)$-0.76

10-Day Avg Trading Volume0.71M

EPS Excl Extra (TTM)$-0.76

Revenue Growth (5Y)12.81%

EPS (Annual)$-1.03

Dividend / Share (Annual)$0.95

ROI (Annual)-10.43%

Gross Margin (Annual)57.38%

Net Profit Margin (5Y Avg)-37.70%

Cash / Share (Quarterly)$1.52

P/E Basic Excl Extra (TTM)11.81x

Revenue Growth QoQ (YoY)68.05%

ROA (Last FY)-10.08%

Revenue Growth TTM (YoY)-31.47%

EBITD / Share (TTM)$0.74

ROE (5Y Avg)-9.78%

Operating Margin (TTM)51.84%

Cash Flow / Share (Annual)$10.00

P/B Ratio0.98x

P/B Ratio (Quarterly)1.08x

Net Income / Employee (Annual)$-243,700

EV / Revenue (TTM)12.04x

Net Interest Coverage (TTM)0.42x

ROA (TTM)-9.71%

EPS Growth QoQ (YoY)83.97%

EV / EBITDA (TTM)11.17x

EPS Incl Extra (Annual)$-1.03

Current Ratio (Annual)0.43x

Quick Ratio (Quarterly)0.43x

3-Month Avg Trading Volume0.41M

52-Week Price Return-32.55%

EV / Free Cash Flow (Annual)0.82x

P/E Incl Extra (TTM)11.81x

Revenue / Employee (TTM)$235,300

Tangible BV / Share (Quarterly)$7.02

P/S Ratio (Annual)2.90x

Asset Turnover (Annual)0.13x

52-Week High$5.72

Operating Margin (5Y Avg)26.68%

EPS Excl Extra (Annual)$-1.03

Tangible BV CAGR (5Y)-10.22%

26-Week Price Return-25.27%

Quick Ratio (Annual)0.43x

13-Week Price Return-21.72%

Total Debt / Equity (Annual)1.43x

Current Ratio (Quarterly)0.43x

Enterprise Value$312.75M

Revenue / Share Growth (5Y)-9.43%

Asset Turnover (TTM)0.07x

Book Value / Share Growth (5Y)-19.22%

Revenue / Employee (Annual)$323,800

Pretax Margin (Annual)-75.28%

Cash / Share (Annual)$1.52

3-Month Return Std Dev32.00%

Gross Margin (5Y Avg)31.20%

Net Income / Employee (TTM)$-181,200

EBITDA CAGR (5Y)7.08%

EBITDA Interim CAGR (5Y)24.82%

ROE (Last FY)-25.32%

Net Interest Coverage (Annual)0.42x

EPS Basic Excl Extra (Annual)$-1.03

P/FCF (TTM)0.40x

Receivables Turnover (TTM)2.99x

EV / Free Cash Flow (TTM)0.82x

Total Debt / Equity (Quarterly)1.43x

EPS Incl Extra (TTM)$-0.76

Receivables Turnover (Annual)1.60x

ROI (TTM)-10.08%

Dividend Growth Rate (5Y)-3.11%

P/S Ratio (TTM)4.00x

Pretax Margin (5Y Avg)-37.51%

Revenue / Share (Annual)$1.36

Tangible BV / Share (Annual)$8.40

Forward P/E5.05x

Free OCF CAGR (5Y)68.62%

Price vs S&P 500 (52W)-48.09%

P/E Ratio (TTM)11.81x

EPS Growth TTM (YoY)-67.63%

Year-to-Date Return-34.35%

5-Day Price Return1.17%

EPS Normalized (Annual)$-1.03

ROA (5Y Avg)-2.53%

Net Profit Margin (Annual)-75.28%

Month-to-Date Return-14.36%

EBITD / Share (Annual)$0.74

Operating Margin (Annual)54.05%

LT Debt / Equity (Annual)0.35x

P/CF (TTM)0.40x

ROI (5Y Avg)-2.65%

P/E Excl Extra (TTM)11.81x

LT Debt / Equity (Quarterly)0.35x

EPS Basic Excl Extra (TTM)$-0.76

P/TBV (Quarterly)0.89x

Payout Ratio (Annual)337.31%

P/B Ratio (Annual)1.08x

Dividend / Share (TTM)$0.95

Pretax Margin (TTM)-114.20%

Book Value / Share (Annual)$4.05

Price vs S&P 500 (13W)-24.40%

Dividend Yield (TTM)23.92%

Beta1.30x

P/FCF (Annual)0.40x

Revenue / Share (TTM)$0.99

ROE (TTM)-20.58%

52-Week Low$3.22

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EARN Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 12, 2026	$0.20	$0.15	-26.83%(-$0.05)
Q1 2026	May 19, 2026	$0.24	$0.19	-20.83%(-$0.05)
Q4 2025	Mar 4, 2026	$0.24	$0.21	-12.50%(-$0.03)
Q3 2025	Nov 19, 2025	$0.20	$0.23	+13.51%(+$0.03)
Q2 2025	Aug 19, 2025	$0.23	$0.18	-20.90%(-$0.05)

EARN Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.80

Industry Peers — REITs(228)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	Indicated Dividend Yield (Annual)	ROE (TTM)	P/B Ratio (Quarterly)	Price
EARNEllington Credit Company	B	C	D	—	17.9%	-20.6%	1.1x	$3.46
WELLWelltower Inc.	F	B	B	184.4x	1.2%	3.6%	3.5x	$234.85
PLDPROLOGIS, INC.	D	B	D	36.6x	3.1%	7.9%	2.3x	$125.75
EQIXEquinix, Inc. Common Stock REIT	D	B	C	72.1x	2.1%	10.8%	7.1x	$985.98
AMTAmerican Tower Corporation	D	C	B	34.1x	3.3%	91.6%	20.5x	$185.27
SPGSimon Property Group, Inc.	D	B	B	14.4x	6.3%	109.7%	16.4x	$205.44
DLRDigital Realty Trust, Inc.	D	C	C	49.9x	3.6%	3.3%	2.3x	$175.97
PSAPublic Storage	D	C	C	31.2x	4.7%	22.1%	6.1x	$298.31
ORealty Income Corporation	D	B	C	50.1x	5.7%	3.2%	1.5x	$56.08
VMRKVivmark Residential	D	D	C	42.3x	4.3%	8.1%	2.4x	$61.26
VTRVentas, Inc.	D	C	B	179.1x	4.0%	1.9%	2.8x	$85.86
CCICrown Castle Inc.	D	D	B	78.8x	6.0%	21.0%	9.7x	$82.26
IRMIron Mountain Inc.	D	B	C	231.7x	4.1%	85.2%	1254.3x	$112.51
EXRExtra Space Storage, Inc.	D	C	C	30.3x	5.1%	7.1%	2.3x	$139.61
VICIVICI Properties Inc. Common Stock	B	C	D	9.4x	5.8%	9.8%	1.0x	$23.60
EQREquity Residential	D	D	C	46.2x	4.3%	8.1%	2.4x	$63.66
SBACSBA Communications Corp	D	C	C	18.8x	1.5%	-1.7%	82.5x	$187.06
ESSEssex Property Trust, Inc	D	D	C	25.9x	4.3%	7.5%	3.5x	$269.43
HSTHost Hotels & Resorts, Inc.	C	B	B	21.5x	4.1%	15.5%	2.5x	$23.97
KIMKimco Realty Corp.	C	C	C	26.3x	5.1%	5.8%	1.7x	$22.91
LAMRLamar Advertising Co	C	C	B	26.0x	5.1%	55.7%	16.1x	$150.10
SUISun Communities, Inc	C	C	C	10.5x	3.0%	-12.7%	2.6x	$118.08
WPCW.P. Carey Inc. (REIT)	C	C	C	32.3x	5.1%	7.8%	1.8x	$65.14
OHIOmega Healthcare Investors Inc.	D	B	B	23.4x	8.4%	16.5%	2.6x	$45.64
WYWeyerhaeuser Company	C	D	D	44.3x	3.4%	5.0%	1.8x	$19.61
MAAMid-America Apartment Communities, Inc.	C	C	D	30.3x	4.6%	7.2%	3.0x	$116.63
NLYAnnaly Capital Management. Inc.	C	A	D	6.8x	14.8%	18.4%	1.0x	$18.23
REGRegency Centers Corporation	D	B	C	25.4x	4.4%	8.1%	2.1x	$73.24
DOCHealthpeak Properties, Inc.	C	C	C	188.0x	8.2%	3.2%	1.9x	$18.98
AMHAMERICAN HOMES 4 RENT	D	C	C	24.8x	2.4%	6.9%	1.8x	$31.28
UDRUDR, Inc.	C	B	C	29.1x	5.0%	16.3%	4.4x	$34.26
ELSEquity Lifestyle Properties, Inc.	D	C	C	30.7x	2.6%	22.9%	7.1x	$61.21
GLPIGaming and Leisure Properties, Inc.	C	C	C	13.8x	6.5%	20.6%	2.5x	$39.28
AHRAmerican Healthcare REIT, Inc.	D	C	B	167.4x	1.8%	3.7%	2.7x	$53.23
BXPBXP, Inc.	C	C	D	34.1x	7.3%	5.8%	2.1x	$59.20
EGPEastGroup Properties Inc.	D	B	C	41.0x	2.9%	8.6%	3.0x	$196.37
AGNCAGNC Investment Corp. Common Stock	C	A	D	6.2x	16.5%	18.7%	1.0x	$8.72
CPTCamden Property Trust	D	C	C	34.7x	4.5%	7.8%	3.0x	$98.59
FRTFederal Realty Investment Trust	C	C	C	22.6x	4.7%	13.3%	3.2x	$106.32
JANJanus Living, Inc.	C	D	C	1408.8x	2.1%	0.5%	2.2x	$29.05
CUBECubeSmart	C	C	C	26.3x	5.1%	12.4%	3.5x	$38.99
RHPRyman Hospitality Properties, Inc	C	B	B	35.3x	4.1%	36.4%	10.8x	$125.98
CTRECareTrust REIT, Inc	D	B	C	26.9x	4.9%	8.5%	2.1x	$36.55
BRXBRIXMOR PROPERTY GROUP INC.	C	C	C	22.0x	5.1%	14.4%	3.2x	$27.66
REXRREXFORD INDUSTRIAL REALTY, INC.	C	C	C	38.7x	3.2%	-4.7%	1.0x	$36.84
ADCAgree Realty Corporation	D	B	C	40.8x	5.1%	3.6%	1.4x	$67.04
LINELineage, Inc. Common Stock	B	D	D	—	5.1%	-2.1%	1.2x	$33.28
FRFirst Industrial Realty Trust, Inc.	D	B	C	32.5x	2.9%	13.4%	2.9x	$58.76
NNNNNN REIT, Inc.	C	C	C	20.5x	5.7%	8.7%	2.0x	$41.54
AREAlexandria Real Estate Equities, Inc.	B	D	D	—	4.7%	-6.5%	0.6x	$41.62
STAGSTAG INDUSTRIAL, INC.	D	C	D	25.3x	4.1%	6.9%	2.0x	$35.83

About Ellington Credit Company

Ellington Credit Co invests in secondary collateralized loan obligation (CLO) mezzanine and equity tranches, targeting attractive risk-adjusted returns. The company employs disciplined risk management—including selective credit hedges and prudent liquidity controls—to preserve capital across market cycles. It prioritizes sustainable long-term total returns over short-term yield alone.