MFA FINANCIAL INC (MFA) Fundamental Analysis & Valuation

NYSE:MFA • US55272X6076

Current stock price

9.99 USD
+0.01 (+0.1%)
At close:
9.99 USD
0 (0%)
After Hours:

This MFA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. MFA Profitability Analysis

1.1 Basic Checks

  • MFA had positive earnings in the past year.
  • MFA had a positive operating cash flow in the past year.
  • MFA had positive earnings in 4 of the past 5 years.
  • In the past 5 years MFA always reported a positive cash flow from operatings.
MFA Yearly Net Income VS EBIT VS OCF VS FCFMFA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M -600M

1.2 Ratios

  • With a decent Return On Assets value of 1.04%, MFA is doing good in the industry, outperforming 69.12% of the companies in the same industry.
  • MFA has a better Return On Equity (7.42%) than 76.47% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.13%, MFA is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • MFA had an Average Return On Invested Capital over the past 3 years of 0.84%. This is in line with the industry average of 1.30%.
  • The 3 year average ROIC (0.84%) for MFA is below the current ROIC(1.13%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.04%
ROE 7.42%
ROIC 1.13%
ROA(3y)0.74%
ROA(5y)0.51%
ROE(3y)4.86%
ROE(5y)2.57%
ROIC(3y)0.84%
ROIC(5y)N/A
MFA Yearly ROA, ROE, ROICMFA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • MFA has a better Profit Margin (15.91%) than 64.71% of its industry peers.
  • MFA has a Operating Margin of 21.44%. This is in the better half of the industry: MFA outperforms 73.53% of its industry peers.
  • With a decent Gross Margin value of 39.73%, MFA is doing good in the industry, outperforming 76.47% of the companies in the same industry.
Industry RankSector Rank
OM 21.44%
PM (TTM) 15.91%
GM 39.73%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MFA Yearly Profit, Operating, Gross MarginsMFA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. MFA Health Analysis

2.1 Basic Checks

  • MFA has less shares outstanding than it did 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.
MFA Yearly Shares OutstandingMFA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
MFA Yearly Total Debt VS Total AssetsMFA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • MFA has an Altman-Z score of -0.03. This is a bad value and indicates that MFA is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of MFA (-0.03) is better than 69.12% of its industry peers.
  • MFA has a debt to FCF ratio of 143.49. This is a negative value and a sign of low solvency as MFA would need 143.49 years to pay back of all of its debts.
  • MFA has a Debt to FCF ratio (143.49) which is in line with its industry peers.
  • MFA has a Debt/Equity ratio of 5.99. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of MFA (5.99) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Altman-Z -0.03
ROIC/WACCN/A
WACCN/A
MFA Yearly LT Debt VS Equity VS FCFMFA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • MFA has a Current Ratio of 1.16. This is a normal value and indicates that MFA is financially healthy and should not expect problems in meeting its short term obligations.
  • MFA has a better Current ratio (1.16) than 91.18% of its industry peers.
  • MFA has a Quick Ratio of 1.16. This is a normal value and indicates that MFA is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of MFA (1.16) is better than 91.18% of its industry peers.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
MFA Yearly Current Assets VS Current LiabilitesMFA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. MFA Growth Analysis

3.1 Past

  • The earnings per share for MFA have decreased strongly by -35.48% in the last year.
  • Looking at the last year, MFA shows a very negative growth in Revenue. The Revenue has decreased by -15.10% in the last year.
  • The Revenue has been growing by 36.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
Revenue 1Y (TTM)-15.1%
Revenue growth 3Y70.92%
Revenue growth 5Y36.75%
Sales Q2Q%9.21%

3.2 Future

  • MFA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.78% yearly.
  • MFA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.91% yearly.
EPS Next Y37.7%
EPS Next 2Y22.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.69%
Revenue Next 2Y5.77%
Revenue Next 3Y13.91%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
MFA Yearly Revenue VS EstimatesMFA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
MFA Yearly EPS VS EstimatesMFA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4 -6

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7

4. MFA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.99 indicates a reasonable valuation of MFA.
  • MFA's Price/Earnings ratio is a bit cheaper when compared to the industry. MFA is cheaper than 67.65% of the companies in the same industry.
  • MFA is valuated cheaply when we compare the Price/Earnings ratio to 26.78, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 7.26, the valuation of MFA can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MFA indicates a somewhat cheap valuation: MFA is cheaper than 79.41% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of MFA to the average of the S&P500 Index (23.54), we can say MFA is valued rather cheaply.
Industry RankSector Rank
PE 9.99
Fwd PE 7.26
MFA Price Earnings VS Forward Price EarningsMFA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MFA indicates a somewhat cheap valuation: MFA is cheaper than 67.65% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.38
EV/EBITDA N/A
MFA Per share dataMFA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MFA has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as MFA's earnings are expected to grow with 22.78% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y22.78%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MFA Dividend Analysis

5.1 Amount

  • MFA has a Yearly Dividend Yield of 15.25%, which is a nice return.
  • Compared to an average industry Dividend Yield of 13.66, MFA pays a bit more dividend than its industry peers.
  • MFA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 15.25%

5.2 History

  • The dividend of MFA is nicely growing with an annual growth rate of 7.85%!
  • MFA has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of MFA decreased in the last 3 years.
Dividend Growth(5Y)7.85%
Div Incr Years1
Div Non Decr Years2
MFA Yearly Dividends per shareMFA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • MFA pays out 138.93% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of MFA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP138.93%
EPS Next 2Y22.78%
EPS Next 3YN/A
MFA Yearly Income VS Free CF VS DividendMFA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M -600M
MFA Dividend Payout.MFA Dividend Payout, showing the Payout Ratio.MFA Dividend Payout.PayoutRetained Earnings

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MFA Fundamentals: All Metrics, Ratios and Statistics

MFA FINANCIAL INC

NYSE:MFA (4/10/2026, 8:04:00 PM)

After market: 9.99 0 (0%)

9.99

+0.01 (+0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-18
Earnings (Next)04-30
Inst Owners54.61%
Inst Owner Change0%
Ins Owners1.85%
Ins Owner Change21.79%
Market Cap1.02B
Revenue(TTM)852.78M
Net Income(TTM)135.68M
Analysts72
Price Target11.35 (13.61%)
Short Float %2.56%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 15.25%
Yearly Dividend1.85
Dividend Growth(5Y)7.85%
DP138.93%
Div Incr Years1
Div Non Decr Years2
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.18%
Min EPS beat(2)-27.99%
Max EPS beat(2)-0.37%
EPS beat(4)0
Avg EPS beat(4)-15.08%
Min EPS beat(4)-27.99%
Max EPS beat(4)-0.37%
EPS beat(8)1
Avg EPS beat(8)-8.7%
EPS beat(12)5
Avg EPS beat(12)6.5%
EPS beat(16)6
Avg EPS beat(16)-560.84%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-3.25%
Max Revenue beat(2)3.57%
Revenue beat(4)3
Avg Revenue beat(4)4.93%
Min Revenue beat(4)-3.25%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-3.61%
Revenue beat(12)5
Avg Revenue beat(12)-6.03%
Revenue beat(16)6
Avg Revenue beat(16)-6.55%
PT rev (1m)4.09%
PT rev (3m)7.88%
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 9.99
Fwd PE 7.26
P/S 1.2
P/FCF 13.38
P/OCF 13.38
P/B 0.56
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)1
EY10.01%
EPS(NY)1.38
Fwd EY13.78%
FCF(TTM)0.75
FCFY7.48%
OCF(TTM)0.75
OCFY7.48%
SpS8.35
BVpS17.9
TBVpS17.28
PEG (NY)0.27
PEG (5Y)N/A
Graham Number20.07
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 7.42%
ROCE 1.43%
ROIC 1.13%
ROICexc 1.15%
ROICexgc 1.18%
OM 21.44%
PM (TTM) 15.91%
GM 39.73%
FCFM 8.94%
ROA(3y)0.74%
ROA(5y)0.51%
ROE(3y)4.86%
ROE(5y)2.57%
ROIC(3y)0.84%
ROIC(5y)N/A
ROICexc(3y)0.86%
ROICexc(5y)N/A
ROICexgc(3y)0.89%
ROICexgc(5y)N/A
ROCE(3y)1.06%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 5.99
Debt/FCF 143.49
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.36
Cash Conversion N/A
Profit Quality 56.19%
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z -0.03
F-Score6
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)173.02%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-35.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-30.77%
EPS Next Y37.7%
EPS Next 2Y22.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.1%
Revenue growth 3Y70.92%
Revenue growth 5Y36.75%
Sales Q2Q%9.21%
Revenue Next Year1.69%
Revenue Next 2Y5.77%
Revenue Next 3Y13.91%
Revenue Next 5YN/A
EBIT growth 1Y57.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-61.9%
FCF growth 3Y-40.71%
FCF growth 5Y17.88%
OCF growth 1Y-61.9%
OCF growth 3Y-40.73%
OCF growth 5Y14.7%

MFA FINANCIAL INC / MFA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for MFA FINANCIAL INC?

ChartMill assigns a fundamental rating of 5 / 10 to MFA.


What is the valuation status of MFA FINANCIAL INC (MFA) stock?

ChartMill assigns a valuation rating of 7 / 10 to MFA FINANCIAL INC (MFA). This can be considered as Undervalued.


What is the profitability of MFA stock?

MFA FINANCIAL INC (MFA) has a profitability rating of 6 / 10.


Can you provide the financial health for MFA stock?

The financial health rating of MFA FINANCIAL INC (MFA) is 4 / 10.


How sustainable is the dividend of MFA FINANCIAL INC (MFA) stock?

The dividend rating of MFA FINANCIAL INC (MFA) is 6 / 10 and the dividend payout ratio is 138.93%.