Ellington Credit Co

EARN

Ellington Credit Co

EARN

Insider Sentiment (TTM):

Last Purchase:2025-10-01Last Sale:-Shares Purchased (TTM):17,536Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-06-30Institutional Shares Owned:4,776,858Shares Outstanding:34,811,555Institutional Ownership Pct.:13.72%

Earnings Market Reaction:

Filing Date:2025-06-23Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30
Cash And Cash Equivalents At Carrying Value	17	32	26	119	22	39	40	44	37	35	25	37
Financial Instruments Owned Mortgages Mortgage Bac…	-	-	-	-	-	-	-	921	926	893	935	948
Financial Instruments Owned Other At Fair Value	-	-	-	-	-	-	-	1	0	0	8	8
Assets
Assets	784	824	752	933	964	946	1,064	1,084	1,124	1,054	1,189	1,122
Investment Owned At Fair Value	754	684	619	636	812	774	836	-	-	894	-	-
Derivative Assets	0	42	48	81	82	74	101	71	58	69	72	35
Securities Purchased Under Agreements To Resell	0	23	0	16	-	0	37	12	3	0	22	11
Interest Receivable	-	-	4	4	5	5	5	4	3	3	4	3
Other Assets	0	0	0	1	1	0	1	1	1	0	1	1
Liabilities And Stockhold…
Securities Sold Under Agreements To Repurchase	518	563	487	579	683	730	811	875	876	842	938	950
Payables To Broker Dealers And Clearing Organizati…	27	2	34	34	68	12	8	31	68	42	73	16
Derivative Liabilities	1	6	10	7	6	7	9	2	2	3	4	3
Liabilities
Financial Instruments Sold Not Yet Purchased U S G…	0	23	0	16	-	0	46	2	13	0	22	11
Liabilities	555	630	561	787	821	809	953	967	1,009	941	1,086	1,003
Dividends Payable Current And Noncurrent	3	2	2	2	2	1	1	1	1	1	1	1
Accounts Payable And Accrued Liabilities Current A…	2	1	3	2	2	1	1	1	1	1	1	1
Management Fee Payable	1	1	1	1	1	1	0	0	0	0	0	0
Interest Payable Current And Noncurrent	2	2	2	2	2	3	4	4	3	5	2	1
Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	400	349	338	291	282	275	258	248	244	241	240	239
Retained Earnings Accumulated Deficit	-172	-155	-146	-145	-139	-139	-147	-132	-130	-129	-137	-120
Stockholders Equity	229	194	192	146	143	136	111	117	115	112	103	119
Liabilities And Stockholders Equity	784	824	752	933	964	946	1,064	1,084	1,124	1,054	1,189	1,122
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	500	500	500	500	500	500	500	500	500	500	500	500
Common Stock Shares Issued	38	30	28	21	20	19	16	14	14	13	13	13
Shares Outstanding	38	30	28	21	20	19	16	14	14	13	13	13
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-	-	-	-	-	-	-	-	-	6.00%	0.81%	2.56%
2024	-2.37%	-1.67%	-0.69%	-0.88%	-0.32%	-4.03%	9.49%	10.36%	7.45%	3.88%	4.63%	9.16%
2023	5.89%	3.62%	6.56%	-5.54%	-12.92%	-12.17%	2.17%	3.30%	4.98%	8.87%	11.47%	15.53%
2022	-	-	-	-9.77%	-27.95%	-19.30%	3.58%	7.13%	18.42%	4.25%	6.41%	0.92%
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Performance and Valuation Metrics

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Metrics	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30
Leverage & Debt
Interest Coverage TTM	-0.89	-0.80	-0.45	-0.90	-0.86	-0.90	-0.91	-0.96	-1.33	-2.10	-2.98	-2.30
Per Share Metrics
Free Cash Flow Per Share TTM	0.30	0.39	0.10	-0.21	-0.45	-0.67	-0.23	0.29	0.96	1.70	1.86	2.09
Dividend Per Share TTM	0.50	0.94	0.75	0.84	0.79	0.95	0.88	0.93	0.97	1.06	1.31	1.37
Margin Metrics
Gross Profit Margin TTM	-	169.78%	180.97%	192.75%	204.72%	206.36%	209.14%	193.36%	-	-	-	-
Operating Profit Margin TTM	7.17%	14.23%	44.42%	9.22%	14.88%	10.71%	-19.41%	9.13%	6.18%	0.00%	0.00%	0.00%
Net Profit Margin TTM	6.65%	13.21%	43.00%	8.74%	14.18%	10.71%	9.36%	3.99%	-27.49%	-86.27%	-141.39%	-109.17%
Growth Metrics
Net Revenue Growth (1Y)	-9.42%	17.19%	20.49%	22.84%	15.29%	21.55%	28.57%	40.67%	33.30%	23.42%	12.56%	-9.17%
Net Income Growth (1Y)	-57.54%	44.46%	453.42%	168.88%	-159.49%	-115.10%	-108.51%	-105.15%	-56.52%	378.65%	-1,261.21%	-371.18%
EPS Growth (1Y)	-76.16%	-8.85%	228.70%	84.10%	-141.59%	-113.36%	-107.36%	-104.84%	-58.29%	361.22%	-1,241.33%	-357.22%
Valuation Metrics
P/E TTM	56.06	17.82	6.16	23.80	14.79	13.03	15.53	39.12	-5.60	-1.69	-0.99	-1.72
P/B TTM	0.64	0.61	0.68	0.68	0.64	0.44	0.53	0.52	0.51	0.45	0.43	0.44
P/S TTM	3.73	2.35	2.65	2.08	2.10	1.40	1.45	1.56	1.54	1.46	1.40	1.88
Market Cap	147.15M	117.37M	129.56M	99.14M	91.43M	59.41M	59.01M	60.60M	58.19M	51.05M	44.31M	51.84M
Enterprise Value	129.77M	85.53M	103.82M	-19.63M	68.99M	20.87M	19.01M	16.89M	21.54M	16.24M	18.90M	14.37M
Calculated Values
Free Cash Flow TTM	10.32M	9.11M	2.43M	-4.18M	-8.84M	-10.02M	-3.54M	4.01M	13.14M	22.42M	24.41M	27.39M
Net Debt	-17.38M	-31.84M	-25.75M	-118.76M	-22.44M	-38.53M	-40.00M	-43.71M	-36.66M	-34.82M	-25.41M	-37.47M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-10-01Purchase

Owner: Borenstein, Gregory Morri…

Title: Portfolio Manager

Shares: 3,000

Price/Share: $5.29

Value: $15,870.00

Shares Owned: 25,000

Relationship: Officer

Ownership: Direct

2025-09-11Purchase

Owner: Simon, Ronald I

Title: -

Shares: 10,536

Price/Share: $5.68

Value: $59,844.48

Shares Owned: 24,297

Relationship: Director

Ownership: Direct

2025-09-05Purchase

Owner: Borenstein, Gregory Morri…

Title: Portfolio Manager

Shares: 4,000

Price/Share: $5.62

Value: $22,480.00

Shares Owned: 22,000

Relationship: Officer

Ownership: Direct

2025-04-09Purchase

Owner: Borenstein, Gregory Morri…

Title: Portfolio Manager

Shares: 8,000

Price/Share: $4.73

Value: $37,840.00

Shares Owned: 18,000

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-10-01	Borenstein, Gregory Morri…	Officer	Portfolio Manager	Direct	Purchase	3,000	5.29	$15,870.00	25,000	4
2025-09-11	Simon, Ronald I	Director	-	Direct	Purchase	10,536	5.68	$59,844.48	24,297	4
2025-09-05	Borenstein, Gregory Morri…	Officer	Portfolio Manager	Direct	Purchase	4,000	5.62	$22,480.00	22,000	4
2025-04-09	Borenstein, Gregory Morri…	Officer	Portfolio Manager	Direct	Purchase	8,000	4.73	$37,840.00	18,000	4
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Institutional Ownership

No data available for chart

2025-06-30

13.72%

Inst. Shares: 4,776,858

Shares Outstanding: 34,811,555

2025-03-31

23.39%

Inst. Shares: 8,143,335

Shares Outstanding: 34,811,555

2024-12-31

29.45%

Inst. Shares: 6,944,054

Shares Outstanding: 23,576,696

2024-09-30

25.71%

Inst. Shares: 6,579,764

Shares Outstanding: 25,591,607

2024-06-30

16.46%

Inst. Shares: 3,350,100

Shares Outstanding: 20,354,062

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-06-30	4,776,858	34,811,555	13.72%
2025-03-31	8,143,335	34,811,555	23.39%
2024-12-31	6,944,054	23,576,696	29.45%
2024-09-30	6,579,764	25,591,607	25.71%
2024-06-30	3,350,100	20,354,062	16.46%
2024-03-31	2,832,514	19,548,408	14.49%
2023-12-31	3,033,987	14,875,314	20.40%
2023-09-30	2,454,978	15,199,837	16.15%
2023-06-30	2,096,345	13,935,821	15.04%
2023-03-31	2,218,169	13,666,707	16.23%
2022-12-31	2,028,416	13,163,106	15.41%
2022-09-30	2,972,249	13,146,727	22.61%
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Ellington Credit Co (EARN) — SEC Financial Statements & Analysis

Ellington Credit Co (EARN) is a real estate investment trusts company, incorporated in DE. Ellington Credit Co trades on NYSE as: EARN. Based on its latest SEC filing (Form 10-Q, period ending 2025-03-31), Ellington Credit Co reported a -9.42% year-over-year revenue growth, a Gross Profit Margin of 169.78% (TTM), a Price-to-Sales (P/S) ratio of 3.73x (TTM), a Price-to-Book (P/B) ratio of 0.64x (TTM), at a market cap of $147.15M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -9.42%
Gross Profit Margin TTM: 169.78%
P/S TTM: 3.73x
P/B TTM: 0.64x
Market Cap: $147.15M

Data as of 2025-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Ellington Credit Co in?

Ellington Credit Co (EARN) operates in the Real Estate Investment Trusts industry.

What is EARN's market cap?

Ellington Credit Co (EARN) has a market capitalization of $147.15M as of 2025-03-31.

What is EARN's P/E ratio?

Ellington Credit Co (EARN)'s trailing twelve month P/E ratio is 56.06x as of 2025-03-31.

What exchange does EARN trade on?

Ellington Credit Co (EARN) trades on the NYSE.

Where is Ellington Credit Co incorporated?

Ellington Credit Co is incorporated in DE.