Ellington Financial Inc. (EFC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Ellington Financial Inc. stock $11.12, price $11.26, that is 1.3% below the price, quality 39 out of 100. Rating: fairly valued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Ellington Financial Inc.
EFC · USThe stock costs about what our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $6.64 – $13.43 · fair‑value band $9.27 – $44.47 · the $11.26 price screens above the $11.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
Every Wednesday you see whether Ellington Financial is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, corporate-related, and other financial assets in the United States. It operates in two segments, Investment Portfolio and Longbridge.
Show moreShow less
The company acquires and manages residential mortgage-backed securities (RMBS) backed by prime jumbo, Alt-A, non-QM, manufactured housing, subprime residential, and single-family-rental mortgage loans; RMBS for which the principal and interest payments are guaranteed by the U.S. government agency or the U.S. government-sponsored entity; residential and commercial mortgage loans; residential mortgage-backed securities; commercial mortgage-backed securities; consumer loans and asset-backed securities backed by consumer loans; investments referencing mortgage servicing rights on traditional forward mortgage loans; collateralized loan obligations; non-mortgage- and mortgage-related derivatives; debt and equity investments in loan origination companies; and other strategic investments.
It also offers reverse mortgage loans, including associated financial assets, financing, hedging, and allocated expenses.
The company qualifies as a real estate investment trust (REIT) for federal income tax purposes that intends to distribute at least 90% of its taxable income as dividends to shareholders. Ellington Financial Inc. was incorporated in 2007 and is headquartered in Old Greenwich, Connecticut.
Stock analysis
Ellington Financial Inc. (EFC) currently trades at $11.26, while our model-based Fair Value estimate is $11.12, so the stock looks roughly fairly valued today (gap 1.3%).
Show more
Valuation
Bull case: the Dividend Discount group reads highest at a median of $18.65 per share, and 5 of the 8 models we run sit above the $11.26 price.
Bear case: the DCF Models group reads lowest at $1.66, and 3 of the 8 models stay below the price. Data coverage for this calculation is high.
Scenario range: $9.27 (bear) to $44.47 (bull), the price of $11.26 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Ellington Financial Inc. reported revenue of $675M in FY2025 versus $122M in FY2021, a compound +53.4%/yr. Reported net income was $147M in FY2025, compounding +15.5%/yr from FY2021.
Key figures
Market cap $1.6B Small · P/E ratio 6.9 · P/S ratio 3.61 · EPS (TTM) $1.61 · Dividend yield 13.9% · Net margin 51.5% · Return on equity 12.3% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (medium confidence).
What moves the price
The share trades about 16% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 56% fair-value upside, at −1%, EFC screens richer than that median.
Fair Value models
All 9 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Watch EFC, get fair value alerts →
Earlier news
- Ellington Financial Announces Release Date of Third Quarter 2026 Earnings, Conference Call, and Investor Presentation
- PennyMac Financial Services, Ladder Capital, Ellington Financial, and Coastal Financial Stocks Trade Up, What You Need To Know
Compare Ellington Financial Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 31 stocks
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more REIT - Mortgage stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| MFA Financial, Inc MFA | $6.21 | $14.69 | +137% | vs EFC |
| AGNC Investment Corp AGNC | $8.78 | $18.66 | +113% | vs EFC |
| Starwood Property Trust, Inc STWD | $12.05 | $25.00 | +107% | vs EFC |
| Orchid Island Capital, Inc ORC | $4.94 | $8.77 | +78% | vs EFC |
| ARMOUR Residential REIT, Inc ARR | $12.60 | $19.59 | +56% | vs EFC |
| Rithm Capital Corp RITM | $9.23 | $13.14 | +42% | vs EFC |
| Annaly Capital Management, Inc NLY | $18.75 | $19.24 | +3% | vs EFC |
| Dynex Capital, Inc DX | $10.68 | $9.12 | −15% | vs EFC |
| Ladder Capital Corp LADR | $8.91 | $7.56 | −15% | vs EFC |
| Qualitas Real Estate Income Fund QRI | A$1.48 | A$1.17 | −21% | vs EFC |
Explore undervalued stocks
More undervalued Real Estate stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Ellington Financial Inc. (EFC) overvalued or undervalued?
What is the fair value of EFC?
What is the quality score of EFC?
What is the price target for Ellington Financial Inc. (EFC)?
What is the Ellington Financial Inc. stock forecast for 2026?
What is the revenue of Ellington Financial Inc. (EFC)?
Does Ellington Financial Inc. pay a dividend?
How much is the dividend of Ellington Financial Inc. (EFC) and when is the ex-dividend date?
What is the intrinsic value of Ellington Financial Inc. (EFC)?
Is Ellington Financial Inc. stock overvalued or undervalued in 2026?
Is fair value the same as the market price of EFC?
How much is Ellington Financial Inc. worth?
What do the bullish and bearish scenarios say about EFC?
What is the P/E ratio of EFC?
What is the PEG ratio of EFC?
How solid is the balance sheet of Ellington Financial Inc. (EFC)?
How far is EFC from its 52-week high?
Which stocks are comparable to Ellington Financial Inc.?
Is Ellington Financial Inc. stock attractive at the current price?
How is the fair value of EFC calculated?
Is it still worth investing in stocks now?
What is the share price of Ellington Financial Inc. (EFC)?
What should I pay attention to with Ellington Financial Inc. right now?
Where does the earnings growth of Ellington Financial Inc. (EFC) come from?
Key figures of Ellington Financial Inc.
How large is the market capitalisation of Ellington Financial Inc. (EFC)?
What is the P/S ratio of Ellington Financial Inc. (EFC)?
What are the earnings per share of Ellington Financial Inc. (EFC)?
What is the dividend yield of Ellington Financial Inc. (EFC)?
What is the net margin of Ellington Financial Inc. (EFC)?
What is the return on equity of Ellington Financial Inc. (EFC)?
What is the EBIT return on assets of Ellington Financial Inc. (EFC)?
What is the operating margin of Ellington Financial Inc. (EFC)?
How fast is revenue growing at Ellington Financial Inc. (EFC)?
How fast are earnings growing at Ellington Financial Inc. (EFC)?
How much free cash flow does Ellington Financial Inc. (EFC) generate?
How much net debt does Ellington Financial Inc. (EFC) carry?
Watch Ellington Financial Inc. in the live analysis
One click puts Ellington Financial Inc. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.