Two Harbors Investment Corp. (TWO) Stock Score, Valuation & Financial Research
Two Harbors Investment Corp. is in the Real Estate sector and REIT - Mortgage industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 22/100.
Quick answer for TWO
Two Harbors Investment Corp. currently has a Wall Street Score of 22/100. The stored market price is $12.18. Its financial score is 45/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Two Harbors Investment Corp. does
Two Harbors Investment Corp. (TWO) operates as a Real Estate Investment Trust (REIT) with a strategic focus on the U.S. mortgage market. The firm is actively involved in acquiring, funding, and overseeing a diverse portfolio of financial instruments, primarily residential mortgage-backed securities (RMBS). This portfolio encompasses both agency RMBS – which are often backed by fixed-rate, adjustable-rate, and hybrid adjustable-rate mortgage loans – as well as non-agency securities, mortgage servicing rights (MSRs), and other related financial assets. Being structured as a REIT grants the company specific federal income tax advantages, contingent on distributing a minimum of 90% of its annual taxable earnings to its shareholders. Established in 2009, Two Harbors Investment Corp. maintains its corporate headquarters in Minnetonka, Minnesota.
TWO financial snapshot
- Wall Street Score:
- 22/100
- Current price:
- $12.18
- Market capitalization:
- $1.28B
- Revenue:
- $765.1M
- Net income:
- $-343.0M
- Free cash flow:
- $-15.1M
- Cash:
- $476.3M
- Total debt:
- $8.29B
- EPS:
- -4.36
- Financial score:
- 45/100
- Valuation score:
- 0/100
- Revenue score:
- 25/100
What stands out
- Reported year-over-year revenue growth is +0.3%.
- Free cash flow is $-15.1M, showing cash burn in the current stored period.
- The balance sheet shows $476.3M of cash versus $8.29B of total debt, so leverage deserves attention.
- The current research record carries a high debt stress warning, which should be reviewed alongside the score.
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 45/100. 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 2026-07-24.
How to research TWO
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.