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Ellington Credit Company (EARN) Fair Value & Analysis

Financial Services · US · Market cap $165M

Price$4.49
Fair Value$4.35
Upside-3.2%
Quality95/100
Evidence: Low Range $3.00 – $4.58

Fair value as of: Jun 26, 2026

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Analysis

Ellington Credit Company (EARN) currently trades at $4.49, while our model-based Fair Value estimate is $4.35 — implying the stock looks roughly 3.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

Ellington Credit Company, a closed-end management investment company, focuses on generating current yields and risk-adjusted total returns by investing primarily in collateralized loan obligations. It invests in mezzanine debt and equity tranches. The company was formerly known as Ellington Residential Mortgage REIT and changed its name to Ellington Credit Company in April 2024. Ellington Credit Company was incorporated in 2012 and is headquartered in Old Greenwich, Connecticut.

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Frequently asked questions

Is Ellington Credit Company (EARN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $4.35 versus a price of $4.49 — about −3% (overvalued). Model-based estimate, not financial advice.
What is the fair value of EARN?
Our 21-model fair value for Ellington Credit Company is $4.35 (as of Jun 26, 2026), built from audited fundamentals. The current price is $4.49.
What is the quality score of EARN?
Ellington Credit Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.