MFA FINANCIAL INC (MFA) Stock Fundamental Analysis
USA - NYSE:MFA - US55272X6076 - REIT
9 USD
-0.01 (-0.11%)
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. MFA has an average financial health and profitability rating. MFA is not valued too expensively and it also shows a decent growth rate.
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.
The reported net income has been mixed in the past 5 years: MFA reported negative net income in multiple years.
MFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.79%, MFA is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
The Return On Equity of MFA (5.08%) is better than 66.18% of its industry peers.
MFA has a better Return On Invested Capital (0.91%) than 73.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.08% | ||
| ROIC | 0.91% |
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
The Profit Margin of MFA (11.53%) is comparable to the rest of the industry.
MFA's Profit Margin has declined in the last couple of years.
MFA has a better Operating Margin (16.31%) than 63.24% of its industry peers.
In the last couple of years the Operating Margin of MFA has declined.
MFA has a better Gross Margin (36.64%) than 77.94% of its industry peers.
In the last couple of years the Gross Margin of MFA has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.31% | ||
| PM (TTM) | 11.53% | ||
| GM | 36.64% |
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.
MFA has less shares outstanding than it did 5 years ago.
MFA has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.06, we must say that MFA is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MFA (-0.06) is comparable to the rest of the industry.
The Debt to FCF ratio of MFA is 76.65, which is on the high side as it means it would take MFA, 76.65 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 76.65, MFA is doing good in the industry, outperforming 72.06% of the companies in the same industry.
A Debt/Equity ratio of 5.22 is on the high side and indicates that MFA has dependencies on debt financing.
MFA has a Debt to Equity ratio of 5.22. This is comparable to the rest of the industry: MFA outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.22 | ||
| Debt/FCF | 76.65 | ||
| Altman-Z | -0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.10 indicates that MFA should not have too much problems paying its short term obligations.
The Current ratio of MFA (1.10) is better than 79.41% of its industry peers.
MFA has a Quick Ratio of 1.10. This is a normal value and indicates that MFA is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.10, MFA is doing good in the industry, outperforming 79.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
The earnings per share for MFA have decreased strongly by -32.12% in the last year.
MFA shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.50% yearly.
The Revenue has grown by 21.85% in the past year. This is a very strong growth!
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)21.85%
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.
The Revenue is expected to grow by 12.28% on average over the next years. This is quite good.
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.
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
The Price/Earnings ratio is 8.04, which indicates a very decent valuation of MFA.
Based on the Price/Earnings ratio, MFA is valued a bit cheaper than 76.47% of the companies in the same industry.
MFA is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.28, the valuation of MFA can be described as very cheap.
86.76% of the companies in the same industry are more expensive than MFA, based on the Price/Forward Earnings ratio.
MFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 6.28 |
4.2 Price Multiples
85.29% 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 | 7.45 | ||
| 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
MFA has a Yearly Dividend Yield of 15.55%, which is a nice return.
MFA's Dividend Yield is rather good when compared to the industry average which is at 11.97. MFA pays more dividend than 91.18% of the companies in the same industry.
MFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.55% |
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
195.15% of the earnings are spent on dividend by MFA. This is not a sustainable payout ratio.
DP195.15%
EPS Next 2Y-3.81%
EPS Next 3Y0.65%
NYSE:MFA (11/19/2025, 1:22:56 PM)
9
-0.01 (-0.11%)
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-8.07%
Ins Owners0.88%
Ins Owner Change1.1%
Market Cap924.03M
Revenue(TTM)806.26M
Net Income(TTM)92.65M
Analysts72
Price Target11.32 (25.78%)
Short Float %2.82%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.55% |
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP195.15%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.97%
Min EPS beat(2)-21.66%
Max EPS beat(2)-10.27%
EPS beat(4)0
Avg EPS beat(4)-11.28%
Min EPS beat(4)-21.66%
Max EPS beat(4)-2.24%
EPS beat(8)3
Avg EPS beat(8)0.01%
EPS beat(12)6
Avg EPS beat(12)1.95%
EPS beat(16)7
Avg EPS beat(16)-558.04%
Revenue beat(2)2
Avg Revenue beat(2)9.7%
Min Revenue beat(2)7.38%
Max Revenue beat(2)12.01%
Revenue beat(4)2
Avg Revenue beat(4)-4.04%
Min Revenue beat(4)-18.38%
Max Revenue beat(4)12.01%
Revenue beat(8)4
Avg Revenue beat(8)-4.4%
Revenue beat(12)5
Avg Revenue beat(12)7.36%
Revenue beat(16)7
Avg Revenue beat(16)12.05%
PT rev (1m)0%
PT rev (3m)0.91%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)-5.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.04 | ||
| Fwd PE | 6.28 | ||
| P/S | 1.15 | ||
| P/FCF | 7.45 | ||
| P/OCF | 7.45 | ||
| P/B | 0.51 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.12
EY12.44%
EPS(NY)1.43
Fwd EY15.94%
FCF(TTM)1.21
FCFY13.42%
OCF(TTM)1.21
OCFY13.42%
SpS7.82
BVpS17.75
TBVpS17.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.08% | ||
| ROCE | 1.16% | ||
| ROIC | 0.91% | ||
| ROICexc | 0.91% | ||
| ROICexgc | 0.94% | ||
| OM | 16.31% | ||
| PM (TTM) | 11.53% | ||
| GM | 36.64% | ||
| FCFM | 15.44% |
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-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.22 | ||
| Debt/FCF | 76.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 133.85% | ||
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | -0.06 |
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)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)21.85%
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 1Y93.99%
EBIT growth 3Y-22.41%
EBIT growth 5Y-20.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.24%
FCF growth 3Y22.71%
FCF growth 5Y-1.32%
OCF growth 1Y-43.32%
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 4 / 10.
How financially healthy is MFA FINANCIAL INC?
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 5 / 10 and the dividend payout ratio is 195.15%.