MFA FINANCIAL INC (MFA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MFA - US55272X6076 - REIT
9.575 USD
-0.04 (-0.36%)
Taking everything into account, MFA scores 4 out of 10 in our fundamental rating. MFA was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MFA has a medium profitability rating, but doesn't score so well on its financial health evaluation. MFA has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year MFA was profitable.
In the past year MFA had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: MFA reported negative net income in multiple years.
Each year in the past 5 years MFA had a positive operating cash flow.
1.2 Ratios
The Return On Assets of MFA (0.74%) is better than 79.71% of its industry peers.
MFA's Return On Equity of 4.93% is fine compared to the rest of the industry. MFA outperforms 62.32% of its industry peers.
MFA's Return On Invested Capital of 0.88% is fine compared to the rest of the industry. MFA outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 4.93% | ||
| ROIC | 0.88% |
ROA(3y)-0.57%
ROA(5y)-1.74%
ROE(3y)-2.06%
ROE(5y)-4.53%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MFA has a better Profit Margin (11.27%) than 62.32% of its industry peers.
In the last couple of years the Profit Margin of MFA has declined.
MFA has a Operating Margin of 16.20%. This is in the better half of the industry: MFA outperforms 60.87% of its industry peers.
MFA's Operating Margin has declined in the last couple of years.
The Gross Margin of MFA (36.50%) is better than 73.91% of its industry peers.
MFA's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.2% | ||
| PM (TTM) | 11.27% | ||
| GM | 36.5% |
OM growth 3Y-36.21%
OM growth 5Y-20.95%
PM growth 3Y-45.5%
PM growth 5Y-24.97%
GM growth 3Y-21.52%
GM growth 5Y-9.69%
2. Health
2.1 Basic Checks
The number of shares outstanding for MFA remains at a similar level compared to 1 year ago.
MFA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MFA has a worse debt to assets ratio.
2.2 Solvency
MFA has an Altman-Z score of -0.06. This is a bad value and indicates that MFA is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.06, MFA is in line with its industry, outperforming 53.62% of the companies in the same industry.
MFA has a debt to FCF ratio of 65.58. This is a negative value and a sign of low solvency as MFA would need 65.58 years to pay back of all of its debts.
MFA has a Debt to FCF ratio of 65.58. This is in the better half of the industry: MFA outperforms 75.36% of its industry peers.
A Debt/Equity ratio of 5.40 is on the high side and indicates that MFA has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 5.40, MFA is in line with its industry, outperforming 47.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.4 | ||
| Debt/FCF | 65.58 | ||
| Altman-Z | -0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.95 indicates that MFA may have some problems paying its short term obligations.
The Current ratio of MFA (0.95) is better than 69.57% of its industry peers.
A Quick Ratio of 0.95 indicates that MFA may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.95, MFA is doing good in the industry, outperforming 69.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 |
3. Growth
3.1 Past
The earnings per share for MFA have decreased strongly by -32.12% in the last year.
Measured over the past years, MFA shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.50% on average per year.
Looking at the last year, MFA shows a very negative growth in Revenue. The Revenue has decreased by -24.03% in the last year.
MFA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.04% yearly.
EPS 1Y (TTM)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
Revenue 1Y (TTM)-24.03%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
3.2 Future
MFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.32% yearly.
The Revenue is expected to grow by 12.28% on average over the next years. This is quite good.
EPS Next Y-32.02%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y9.5%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.55 indicates a reasonable valuation of MFA.
Based on the Price/Earnings ratio, MFA is valued a bit cheaper than the industry average as 76.81% of the companies are valued more expensively.
MFA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
Based on the Price/Forward Earnings ratio of 6.98, the valuation of MFA can be described as very cheap.
84.06% of the companies in the same industry are more expensive than MFA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, MFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.55 | ||
| Fwd PE | 6.98 |
4.2 Price Multiples
88.41% of the companies in the same industry are more expensive than MFA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
5. Dividend
5.1 Amount
MFA has a Yearly Dividend Yield of 15.13%, which is a nice return.
Compared to an average industry Dividend Yield of 12.09, MFA pays a better dividend. On top of this MFA pays more dividend than 86.96% of the companies listed in the same industry.
MFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.13% |
5.2 History
The dividend of MFA decreases each year by -12.34%.
MFA has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of MFA decreased recently.
Dividend Growth(5Y)-12.34%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
MFA pays out 205.55% of its income as dividend. This is not a sustainable payout ratio.
MFA's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP205.55%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
NYSE:MFA (12/8/2025, 1:37:21 PM)
9.575
-0.04 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners56.18%
Inst Owner Change-7.91%
Ins Owners0.89%
Ins Owner Change-0.07%
Market Cap978.56M
Revenue(TTM)797.68M
Net Income(TTM)89.86M
Analysts72
Price Target10.52 (9.87%)
Short Float %2.57%
Short Ratio1.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.13% |
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP205.55%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-24.83%
Min EPS beat(2)-27.99%
Max EPS beat(2)-21.66%
EPS beat(4)0
Avg EPS beat(4)-15.54%
Min EPS beat(4)-27.99%
Max EPS beat(4)-2.24%
EPS beat(8)2
Avg EPS beat(8)-5.13%
EPS beat(12)5
Avg EPS beat(12)-2.45%
EPS beat(16)6
Avg EPS beat(16)-562.76%
Revenue beat(2)2
Avg Revenue beat(2)7.79%
Min Revenue beat(2)3.57%
Max Revenue beat(2)12.01%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-18.38%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-5.04%
Revenue beat(12)6
Avg Revenue beat(12)9.28%
Revenue beat(16)7
Avg Revenue beat(16)-5.44%
PT rev (1m)-7.09%
PT rev (3m)-6.25%
EPS NQ rev (1m)-5.23%
EPS NQ rev (3m)-6.32%
EPS NY rev (1m)-4.81%
EPS NY rev (3m)-4.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.55 | ||
| Fwd PE | 6.98 | ||
| P/S | 1.23 | ||
| P/FCF | 6.52 | ||
| P/OCF | 6.52 | ||
| P/B | 0.54 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY11.7%
EPS(NY)1.37
Fwd EY14.33%
FCF(TTM)1.47
FCFY15.34%
OCF(TTM)1.47
OCFY15.34%
SpS7.81
BVpS17.82
TBVpS17.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 4.93% | ||
| ROCE | 1.11% | ||
| ROIC | 0.88% | ||
| ROICexc | 0.9% | ||
| ROICexgc | 0.93% | ||
| OM | 16.2% | ||
| PM (TTM) | 11.27% | ||
| GM | 36.5% | ||
| FCFM | 18.81% |
ROA(3y)-0.57%
ROA(5y)-1.74%
ROE(3y)-2.06%
ROE(5y)-4.53%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-28.3%
ROICexgc growth 5Y-17.73%
ROICexc growth 3Y-27.72%
ROICexc growth 5Y-17.35%
OM growth 3Y-36.21%
OM growth 5Y-20.95%
PM growth 3Y-45.5%
PM growth 5Y-24.97%
GM growth 3Y-21.52%
GM growth 5Y-9.69%
F-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.4 | ||
| Debt/FCF | 65.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 167% | ||
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 | ||
| Altman-Z | -0.06 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-32.12%
EPS 3Y-11.02%
EPS 5Y-13.5%
EPS Q2Q%-45.95%
EPS Next Y-32.02%
EPS Next 2Y-5.92%
EPS Next 3Y-0.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-24.03%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
Revenue Next Year4.4%
Revenue Next 2Y9.5%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
EBIT growth 1Y-25.62%
EBIT growth 3Y-22.41%
EBIT growth 5Y-20.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.9%
FCF growth 3Y22.71%
FCF growth 5Y-1.32%
OCF growth 1Y22.6%
OCF growth 3Y18.49%
OCF growth 5Y-1.5%
MFA FINANCIAL INC / MFA FAQ
Can you provide the ChartMill fundamental rating for MFA FINANCIAL INC?
ChartMill assigns a fundamental rating of 4 / 10 to MFA.
Can you provide the valuation status for MFA FINANCIAL INC?
ChartMill assigns a valuation rating of 6 / 10 to MFA FINANCIAL INC (MFA). This can be considered as Fairly Valued.
Can you provide the profitability details for MFA FINANCIAL INC?
MFA FINANCIAL INC (MFA) has a profitability rating of 5 / 10.
How financially healthy is MFA FINANCIAL INC?
The financial health rating of MFA FINANCIAL INC (MFA) is 3 / 10.
How sustainable is the dividend of MFA FINANCIAL INC (MFA) stock?
The dividend rating of MFA FINANCIAL INC (MFA) is 5 / 10 and the dividend payout ratio is 205.55%.