MFA FINANCIAL INC (MFA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MFA - US55272X6076 - REIT
9.095 USD
-0.06 (-0.71%)
Overall MFA gets a fundamental rating of 4 out of 10. We evaluated MFA against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While MFA is still in line with the averages on profitability rating, there are concerns on its financial health. MFA is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MFA had positive earnings in the past year.
In the past year MFA had a positive cash flow from operations.
In multiple years MFA reported negative net income over the last 5 years.
MFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MFA (0.74%) is better than 79.41% of its industry peers.
MFA's Return On Equity of 4.93% is fine compared to the rest of the industry. MFA outperforms 63.24% of its industry peers.
MFA has a Return On Invested Capital of 0.88%. This is in the better half of the industry: MFA outperforms 77.94% 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
With a decent Profit Margin value of 11.27%, MFA is doing good in the industry, outperforming 63.24% of the companies in the same industry.
In the last couple of years the Profit Margin of MFA has declined.
MFA has a better Operating Margin (16.20%) than 61.76% of its industry peers.
MFA's Operating Margin has declined in the last couple of years.
MFA has a better Gross Margin (36.50%) than 75.00% 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
Compared to 1 year ago, MFA has about the same amount of shares outstanding.
The number of shares outstanding for MFA has been reduced compared to 5 years ago.
The debt/assets ratio for MFA is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.07, we must say that MFA is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.07, MFA perfoms like the industry average, outperforming 54.41% 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.
Looking at the Debt to FCF ratio, with a value of 65.58, MFA is in the better half of the industry, outperforming 76.47% of the companies in the same industry.
A Debt/Equity ratio of 5.40 is on the high side and indicates that MFA has dependencies on debt financing.
MFA has a Debt to Equity ratio (5.40) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.4 | ||
| Debt/FCF | 65.58 | ||
| Altman-Z | -0.07 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MFA has a Current Ratio of 0.95. This is a bad value and indicates that MFA is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of MFA (0.95) is better than 70.59% of its industry peers.
MFA has a Quick Ratio of 0.95. This is a bad value and indicates that MFA is not financially healthy enough and could expect problems in meeting its short term obligations.
MFA has a better Quick ratio (0.95) than 70.59% of its industry peers.
| 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.
The earnings per share for MFA have been decreasing by -13.50% on average. This is quite bad
The Revenue for MFA has decreased by -24.03% in the past year. This is quite bad
The Revenue has been decreasing by -0.04% on average over the past years.
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
The Earnings Per Share is expected to grow by 0.65% on average over the next years.
MFA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.28% yearly.
EPS Next Y-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
EPS Next 5YN/A
Revenue Next Year4.4%
Revenue Next 2Y9.5%
Revenue Next 3Y12.28%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MFA is valuated reasonably with a Price/Earnings ratio of 8.12.
Compared to the rest of the industry, the Price/Earnings ratio of MFA indicates a somewhat cheap valuation: MFA is cheaper than 76.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.47, MFA is valued rather cheaply.
MFA is valuated cheaply with a Price/Forward Earnings ratio of 6.34.
MFA's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFA is cheaper than 86.76% of the companies in the same industry.
MFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.12 | ||
| Fwd PE | 6.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MFA is valued cheaply inside the industry as 89.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 16.11%, MFA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 12.91, MFA pays a better dividend. On top of this MFA pays more dividend than 86.76% 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.11% |
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
205.55% of the earnings are spent on dividend by MFA. This is not a sustainable payout ratio.
DP205.55%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
NYSE:MFA (11/24/2025, 2:11:16 PM)
9.095
-0.06 (-0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners59.12%
Inst Owner Change-7.92%
Ins Owners0.88%
Ins Owner Change0.31%
Market Cap933.78M
Revenue(TTM)797.68M
Net Income(TTM)89.86M
Analysts72
Price Target10.58 (16.33%)
Short Float %2.82%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.11% |
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)-6.53%
PT rev (3m)-5.68%
EPS NQ rev (1m)-2.3%
EPS NQ rev (3m)-2.3%
EPS NY rev (1m)0%
EPS NY rev (3m)0.55%
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 | 8.12 | ||
| Fwd PE | 6.34 | ||
| P/S | 1.17 | ||
| P/FCF | 6.22 | ||
| P/OCF | 6.22 | ||
| P/B | 0.51 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY12.31%
EPS(NY)1.43
Fwd EY15.77%
FCF(TTM)1.46
FCFY16.07%
OCF(TTM)1.46
OCFY16.07%
SpS7.77
BVpS17.74
TBVpS17.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.14
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 | -0.07 |
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-28.58%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
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%.