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Ellington Credit Company EARN | NYSE

$3.51 $0.18 | 5.41%
TREND SIGNAL:Signal available — unlock to view |2026-09-01

Company Overview:

Market Cap: $133.01M
Trailing PE: N/A
FWD PE *: 3.8x
Payout Ratio (TTM): —
52-Week Range: $3.22 - $5.72

* Forward PE is based on street estimates.

10 Year EARN Performance Metrics:

Total Return (with DRIP): 7.6% (0.73% CAGR)
Total Return (no DRIP): 23.5% (2.13% CAGR)
Share Price: -71.8% (-11.89% CAGR)
Yield on Cost (with DRIP): 29.42%
Total Invested: $10,000
Total Value (with DRIP): $10,758
Total Return $ (with DRIP): $758
Dividend Increase: -40.0% (-5.02% CAGR)
Dividend Yield (FWD): 27.35% ($0.96)
EARN 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
EARN Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
EARN Price CAGR:1Y: -31.58%2Y: -29.09%5Y: -21.55%10Y: -11.89%
EARN Dividend Charts
EARN - Dividends
EARN Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 19.12%10Y: -5.06%
EARN - Dividend Payout Ratio
EARN Dividend Payout Ratio CAGR:1Y: -17.01%2Y: 0.00%5Y: 0.00%10Y: -4.57%
EARN - Dividend to Free Cash Flow Ratio
EARN Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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EARN Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

EARN - Revenue
EARN Revenue CAGR:1Y: -0.69%2Y: 74.14%5Y: 0.00%10Y: 9.48%
EARN - Earnings Per Share (EPS)
EARN EPS CAGR:1Y: 13.79%2Y: 0.00%5Y: 0.00%10Y: -1.40%
EARN - Net Income
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EARN Net Income CAGR:1Y: 20.72%2Y: 0.00%5Y: 0.00%10Y: 13.39%
EARN - EBITDA
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EARN EBITDA CAGR:1Y: 28.56%2Y: 27.95%5Y: 0.00%10Y: 10.27%
EARN - Free Cash Flow
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EARN Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EARN - Free Cash Flow / Share
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EARN Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EARN - Operating Income
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EARN Operating Income CAGR:1Y: 28.56%2Y: 133.65%5Y: 12.25%10Y: 10.27%
EARN - Gross Profit
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EARN Gross Profit CAGR:1Y: -0.69%2Y: 83.83%5Y: 0.00%10Y: 9.48%
EARN - Shares Outstanding
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EARN Shares Outstanding CAGR:1Y: 8.09%2Y: 35.96%5Y: 24.79%10Y: 15.23%
EARN - Share Buybacks
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EARN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EARN - Stock-Based Comp
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EARN Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EARN - Expenses
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EARN Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EARN - Revenue vs Net Income
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EARN - EPS vs FCF / Share
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EARN - EPS vs PE Ratio
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EARN - FCF vs FCF / Share
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EARN - FCF vs Stock Based Comp
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EARN - Cash & Debt
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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

EARN - REVENUE: Actual + Estimates
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EARN Actual Revenue CAGR:1Y: -0.69%2Y: 74.14%5Y: 0.00%10Y: 9.48%
EARN - EPS: Actual + Estimates
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EARN Actual EPS CAGR:1Y: 13.79%2Y: 0.00%5Y: 0.00%10Y: -1.40%
EARN - NET INCOME: Actual + Estimates
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EARN Actual Net Income CAGR:1Y: 20.72%2Y: 0.00%5Y: 0.00%10Y: 13.39%
EARN - EBITDA: Actual + Estimates
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EARN Actual EBITDA CAGR:1Y: 28.56%2Y: 27.95%5Y: 0.00%10Y: 10.27%

Ratios, Profit Margins & Return on Capital:

EARN - Net Profit Margin
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EARN Net Profit Margin CAGR:1Y: 21.56%2Y: 0.00%5Y: -7.15%10Y: 3.57%
EARN - Gross Profit Margin
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EARN Gross Profit Margin CAGR:1Y: 0.00%2Y: 5.56%5Y: -2.13%10Y: 0.00%
EARN - Price to Earnings
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EARN Price to Earnings CAGR:1Y: -37.11%2Y: 0.00%5Y: 0.00%10Y: -8.88%
EARN - Price To Sales Ratio
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EARN Price To Sales Ratio CAGR:1Y: -22.45%2Y: -37.19%5Y: 0.00%10Y: -5.55%
EARN - Return on Capital Employed
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EARN Return on Capital Employed CAGR:1Y: 40.08%2Y: 320.68%5Y: 60.56%10Y: 32.67%
EARN - Return on Invested Capital
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EARN Return on Invested Capital CAGR:1Y: 22.31%2Y: 164.95%5Y: -23.59%10Y: -0.26%

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EARN Dividends Info:

Annual Dividend: $0.96
Forward Yield: 27.35%
Ex-Dividend Date: 2026-10-30
Lifetime Dividends / Share: $18.29

EARN Dividend History: Dates, Payments & Yield list

Below is a schedule of all EARN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
10/30/202611/30/2026$0.08028.74%0%$0.00
09/30/202610/30/2026$0.08023.76%23.82%$4.03
08/31/202609/30/2026$0.08021.97%23.76%$4.04
07/31/202608/31/2026$0.08022.22%21.97%$4.37
06/30/202607/31/2026$0.08021.72%22.22%$4.32
05/29/202606/30/2026$0.08020.25%21.72%$4.42
04/30/202605/29/2026$0.08020.34%20.25%$4.74
03/31/202604/30/2026$0.08021.67%20.34%$4.72
02/27/202603/31/2026$0.08019.63%21.67%$4.43
01/30/202602/27/2026$0.08017.58%19.63%$4.89
12/31/202501/30/2026$0.08018.22%17.58%$5.46
11/28/202512/31/2025$0.08017.71%18.22%$5.27
10/31/202511/28/2025$0.08018.86%17.71%$5.42
09/30/202510/31/2025$0.08017.61%18.86%$5.09
08/29/202509/30/2025$0.08016.81%17.61%$5.45
07/31/202508/29/2025$0.08016.41%16.81%$5.71
06/30/202507/02/2025$0.08016.7%16.67%$5.76
05/30/202506/02/2025$0.08017.08%17.2%$5.58
04/30/202505/02/2025$0.08017.58%17.78%$5.40
03/31/202504/25/2025$0.08017.74%17.08%$5.62
02/28/202503/25/2025$0.08014.84%16.33%$5.88
01/31/202502/25/2025$0.08014.63%14.75%$6.51
12/31/202401/27/2025$0.08014.5%14.48%$6.63
11/29/202412/26/2024$0.08014.26%14.48%$6.63
10/31/202411/25/2024$0.08014.68%14.26%$6.73
09/30/202410/25/2024$0.08013.75%13.99%$6.86
08/30/202409/25/2024$0.08013.87%13.87%$6.92
07/31/202408/26/2024$0.08013.68%13.71%$7.00
06/28/202407/25/2024$0.08013.81%13.66%$7.03
05/30/202406/25/2024$0.08013.6%13.58%$7.07
05/31/202406/25/2024$0.08013.6%13.58%$7.07
04/29/202405/28/2024$0.08014.37%13.48%$7.12
03/27/202404/25/2024$0.08013.97%14.29%$6.72
02/28/202403/25/2024$0.08016.3%13.73%$6.99
01/30/202402/26/2024$0.08015.92%15.89%$6.04
12/28/202301/25/2024$0.08015.31%15.58%$6.16
11/29/202312/26/2023$0.08015.79%15.07%$6.37
10/30/202311/27/2023$0.08018.57%15.76%$6.09
09/28/202310/25/2023$0.08015.48%18.36%$5.23
08/30/202309/25/2023$0.08014.46%15%$6.40
07/28/202308/25/2023$0.08013.04%14.55%$6.60
06/29/202307/25/2023$0.08013.3%12.68%$7.57
05/30/202306/26/2023$0.08013.91%13.28%$7.23
04/27/202305/25/2023$0.08013.1%14.18%$6.77
03/30/202304/25/2023$0.08013.31%13.17%$7.29
02/27/202303/27/2023$0.08012.32%13.35%$7.19
01/30/202302/27/2023$0.08012.26%12.32%$7.79
12/29/202201/25/2023$0.08013.81%12.06%$7.96
11/29/202212/27/2022$0.08013.31%13.3%$7.22
10/28/202211/25/2022$0.08014.06%13.13%$7.31
09/29/202210/25/2022$0.08015.76%14.31%$6.71
08/30/202209/26/2022$0.08011.84%14.77%$6.50
07/28/202208/25/2022$0.08011.25%11.28%$8.51
06/29/202207/25/2022$0.08012.94%11.71%$8.20
05/27/202206/27/2022$0.08011.69%12.68%$7.57
04/28/202205/25/2022$0.10013.41%15.06%$7.97
03/30/202204/25/2022$0.10011.95%13.2%$9.09
02/25/202203/25/2022$0.10012.31%11.9%$10.08
01/28/202202/25/2022$0.10011.62%12.31%$9.75
12/29/202101/25/2022$0.1003.72%3.81%$10.50
11/29/202112/27/2021$0.1003.58%3.71%$10.77
10/28/202111/26/2021$0.1003.29%3.51%$11.39
09/29/202110/25/2021$0.30010.69%9.71%$12.36
06/29/202107/26/2021$0.30010.13%10.71%$11.20
03/30/202104/26/2021$0.2809.01%9.1%$12.31
12/30/202001/25/2021$0.2808.83%8.97%$12.49
09/29/202010/26/2020$0.28010%10.04%$11.15
06/29/202007/27/2020$0.28011.07%10.59%$10.58
03/30/202004/27/2020$0.28020.48%13.63%$8.22
12/30/201901/27/2020$0.28010.14%10.35%$10.82
09/27/201910/25/2019$0.28010.6%10.5%$10.67
06/27/201907/25/2019$0.28010.43%10%$11.20
03/28/201904/25/2019$0.34011.49%11.55%$11.77
12/28/201801/25/2019$0.34013.03%11.98%$11.35
09/27/201810/25/2018$0.37013.05%13.92%$10.63
06/28/201807/25/2018$0.37013.42%13.35%$11.09
03/28/201804/25/2018$0.37013.59%13.19%$11.22
12/28/201701/25/2018$0.37012.18%12.75%$11.61
09/28/201710/25/2017$0.40011.07%11.44%$13.98
06/28/201707/25/2017$0.40010.77%10.91%$14.67
03/29/201704/25/2017$0.40010.95%10.48%$15.26
12/28/201601/25/2017$0.40012.28%12.12%$13.20
09/28/201610/25/2016$0.40012.29%12.49%$12.81
06/28/201607/27/2016$0.40012.21%11.46%$13.96
03/29/201604/25/2016$0.45015.08%14.74%$12.21
12/29/201501/25/2016$0.45014.74%17.13%$10.51
09/28/201510/26/2015$0.45014.73%14.08%$12.78
06/26/201507/27/2015$0.55015.05%15.82%$13.91
03/27/201504/27/2015$0.55013.44%13.3%$16.54
12/26/201401/26/2015$0.55013.13%13.58%$16.20
09/26/201410/27/2014$0.55013.33%12.27%$17.93
06/26/201407/25/2014$0.55013.18%13.18%$16.69
03/27/201404/28/2014$0.55013.05%13.49%$16.31
12/27/201301/27/2014$0.50038.68%38.56%$15.56
09/25/201310/25/2013$0.50038.73%36.32%$16.52
06/26/201307/26/2013$0.1409.56%10.94%$15.35

Projected Future Returns & Dividends for EARN

Based on past 10-year performance, here are EARN growth metrics:

Share price CAGR of -11.89%
Dividend CAGR of -5.06%

Using EARN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

EARN (DRIP)EARN - No DRIP
Current Price$3.51$3.51
Start Shares2,849.002,849.00
Start Value$10,000$10,000
  
After 10 years:
Final Share Count42,576.772,849.00
Dividends Payment$0.02$0.02
Annual Dividends$11,523$771
Yield on cost115.23%7.71%
Share Price$0.99$0.99
Total Dividends$64,509$16,515
Final Value$42,133$19,334

Estimated Future Value + Dividends - EARN

NOTE: Above numbers are our estimate based on EARN's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Ellington Credit Company (EARN) had its IPO on 2013-05-01, and is traded on NYSE stock exchange.

Ellington Residential Mortgage REIT functions as a real estate investment trust (REIT), with its core business focused on the acquisition, investment, and oversight of assets tied to residential mortgages and real estate. The company's holdings primarily include various Residential Mortgage-Backed Securities (RMBS), such as government-backed agency pools and agency Collateralized Mortgage Obligations (CMOs). Additionally, it invests in non-agency RMBS, which encompasses non-agency CMOs ranging from investment-grade to non-investment-grade ratings. Having opted for REIT tax treatment, the company benefits from an exemption from corporate income tax on the segment of its net earnings that are distributed to its investors. Ellington Residential Mortgage REIT was established in 2012 and is headquartered in Old Greenwich, Connecticut.

EARN website: https://www.ellingtoncredit.com


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DCF Model — EARN

Value from:
Pay up to today
—
vs current price $3.51
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →