Ellington Credit Company (EARN) Stock Score, Valuation & Financial Research
Ellington Credit Company is in the Financial Services sector and Asset Management industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 25/100.
Quick answer for EARN
Ellington Credit Company currently has a Wall Street Score of 25/100. The stored market price is $4.32. Its financial score is 36/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Ellington Credit Company does
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 financial snapshot
- Wall Street Score:
- 25/100
- Current price:
- $4.32
- Market capitalization:
- $162.3M
- Revenue:
- $53.9M
- Net income:
- $-36.7M
- Free cash flow:
- $540.7M
- Cash:
- $23.5M
- Total debt:
- $205.9M
- EPS:
- -0.97
- Financial score:
- 36/100
- Valuation score:
- 0/100
- Revenue score:
- 22/100
What stands out
- Reported year-over-year revenue growth is +0.3%.
- Free cash flow is $540.7M, showing positive cash generation.
- The balance sheet shows $23.5M of cash versus $205.9M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 36/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-07.
How to research EARN
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.