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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›EARN

EARN

Ellington Credit Co

Last earnings +3.2% on 2026-05-20

Sell
$4.58
▲ +1.89%
$4.58▼ -4.15%
over 1Y
L $4.12EODHDH $5.25
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.9%
1W+5.5%
1M-5.2%
3M+10.9%
YTD-5.8%
1Y-3.6%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Sell
Quality
B
Valuation
Fair value
Filings
Clean
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Buy

Mixed signals in the latest filings.

Return on equity 2.9% · latest

Ellington Credit Co shows limited reported revenue, and 2.9% ROE.

Financials · annual, by fiscal year

Line itemFY20FY21FY22FY23FY24
Revenue—————
Gross profit—————
Operating income—————
Net income$20.1M-$6.31M-$30.2M$4.56M$6.59M
Diluted EPS—————
Net margin—————

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield3.8%
FCF yield—

Quality & risk

ROIC (est.)—
Free cash flow—
Total debt—
Net cash$17.4M

Capital returns

Buyback yield0.0%
Dividend yield (est.)12.9%
Shareholder yield12.9%
Shares Δ YoY+89.5%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Routine disclosure cadence — no material red flags in recent filings.
  1. 8-K Shareholder vote2026-06-25
  2. 8-K Other event2026-06-08
  3. 8-K Earnings results2026-05-20
  4. 8-K Other event2026-05-11
  5. DEF 14A Proxy statement2026-05-05
  6. 8-K Other event2026-04-08
  7. 8-K Material agreement2026-03-31
  8. 10-K Annual report2025-06-23
  9. DEF 14A Proxy statement2025-04-18

Recent filings

all on EDGAR ↗
8-KPeriod ending 2026-06-252026-06-25open ↗497ADFiling2026-06-17open ↗N-CENPeriod ending 2026-03-312026-06-15open ↗EFFECTFiling2026-06-11open ↗424B3Filing2026-06-11open ↗DFiling2026-06-09open ↗8-KPeriod ending 2026-06-082026-06-08open ↗NPORT-PPeriod ending 2026-03-312026-06-01open ↗N-2/AFiling2026-06-01open ↗N-CSRPeriod ending 2026-03-312026-05-29open ↗8-KPeriod ending 2026-05-192026-05-20open ↗497ADFiling2026-05-19open ↗

Quality score

B
ValueGrowthProfitHealthMom.
Value—
GrowthA+
ProfitabilityD
Financial healthA-
Momentum—
  • ✓Profitable (positive net income)
  • ✗Return on equity above 15%
Revenue
—
Net margin
—
ROE
2.9%
P/E
—

SEC fundamentals · FY 2025

'20'21'22'23'24

■ revenue · ■ net income, by fiscal year

Net income$6.59M+44.5%
Cash & equivalents$17.4M-22.6%
Total assets$784M-4.9%
Total liabilities$555M-11.9%
Stockholders' equity$229M+59.9%
L/E: 2.43x

Frequently asked

Is Ellington Credit Co (EARN) a buy?
EARN currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
What is Ellington Credit Co's quality score?
EARN scores 71.15384615384615/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001560672, latest 10-K filed 2025-06-23) · EODHD · as of 6/26/2026, 6:55:00 PM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC
2025-12-31
Smernoff Chris
Chief Financial Officer
Tax2.47K @ $5.17$12.8K
2025-12-31
Herlihy John
Chief Operating Officer
Tax5.24K @ $5.17$27.1K
2025-10-01
Borenstein Gregory Morris
Portfolio Manager
Buy3.00K @ $5.29$15.9K
2025-09-11
SIMON RONALD I
Director
Buy10.5K @ $5.68$59.8K
2025-09-05
Borenstein Gregory Morris
Portfolio Manager
Buy4.00K @ $5.62$22.5K
2025-04-09
Borenstein Gregory Morris
Portfolio Manager
Buy8.00K @ $4.73$37.9K
2024-12-31
Herlihy John
Chief Operating Officer
Tax2.85K @ $6.83$19.4K
2024-12-31
Smernoff Chris
Chief Financial Officer
Tax1.32K @ $6.83$9.00K

Dividends

Monthly
Yield (TTM)
22.7%
Annual / share
$1.04
Last ex-date
2026-06-30
Last amount
$0.08
ex 2026-06-30paid 2026-07-31$0.08
ex 2026-05-29paid 2026-06-30$0.08
ex 2026-04-30paid 2026-05-29$0.08
ex 2026-03-31paid 2026-04-30$0.08
ex 2026-02-27paid 2026-03-31$0.08
ex 2026-01-30paid 2026-02-27$0.08

Source: EODHD. Yield = trailing-12-month dividends ÷ price.

Earnings history

beat/miss · move
2026-05-20Miss -22.4% est▲ +3.23%8-K ↗
2026-03-04Miss -14.2% est▼ -3.42%8-K ↗
2025-11-19—▼ -1.35%8-K ↗
2025-08-19Miss -23.3% est▲ +0.36%8-K ↗
2025-05-20Miss -4.7% est▼ -0.53%8-K ↗
2025-03-12—▼ -0.16%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Recent news

market news →
High Insider Ownership Growth Stocks In The UK For June 2026Bullish
finance.yahoo.com· 2026-06-01
3 UK Growth Stocks With Strong Insider OwnershipBullish
finance.yahoo.com· 2026-05-29
EARN Q4 2025 Earnings TranscriptBullish
finance.yahoo.com· 2026-05-20
Ellington Credit Q1 Earnings Call HighlightsBullish
finance.yahoo.com· 2026-05-20
Evolve Announces March 2026 Distributions for UltraYield ETFs and Certain Evolve FundsBullish
finance.yahoo.com· 2026-03-18
Evolve Announces March 2026 Distributions for UltraYield ETFs and Certain Evolve FundsBullish
finance.yahoo.com· 2026-03-18

Vs tracked universe

compare →

1044 tracked peers · median

EDGAR Score71 vs 67
Revenue growth— vs 7.1%
Net margin— vs 10.5%
Return on equity2.9% vs 12.3%
P/E— vs 25.5

News sentiment

EODHD · 3d
Bullish
+0.18
vs typical · 4 articles
↑ improving

Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.