MFA FINANCIAL INC (MFA) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MFA • US55272X6076

9.59 USD
-0.15 (-1.54%)
At close: Feb 9, 2026
9.59 USD
0 (0%)
After Hours: 2/9/2026, 8:15:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall MFA gets a fundamental rating of 4 out of 10. We evaluated MFA against 70 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

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.
  • 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 0 200M -200M -400M -600M

1.2 Ratios

  • MFA has a Return On Assets of 0.74%. This is amongst the best in the industry. MFA outperforms 81.43% of its industry peers.
  • MFA has a Return On Equity of 4.93%. This is in the better half of the industry: MFA outperforms 64.29% of its industry peers.
  • MFA has a better Return On Invested Capital (0.88%) than 80.00% of its industry peers.
Industry RankSector 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
MFA Yearly ROA, ROE, ROICMFA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • MFA's Profit Margin of 11.27% is fine compared to the rest of the industry. MFA outperforms 64.29% of its industry peers.
  • In the last couple of years the Profit Margin of MFA has declined.
  • MFA's Operating Margin of 16.20% is fine compared to the rest of the industry. MFA outperforms 62.86% of its industry peers.
  • MFA's Operating Margin has declined in the last couple of years.
  • MFA has a Gross Margin of 36.50%. This is in the better half of the industry: MFA outperforms 75.71% of its industry peers.
  • In the last couple of years the Gross Margin of MFA has declined.
Industry RankSector 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%
MFA Yearly Profit, Operating, Gross MarginsMFA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • MFA has about the same amout of 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 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 2B 4B 6B 8B 10B

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.
  • MFA has a Altman-Z score of -0.06. This is comparable to the rest of the industry: MFA outperforms 54.29% of its industry peers.
  • The Debt to FCF ratio of MFA is 65.58, which is on the high side as it means it would take MFA, 65.58 years of fcf income to pay off 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 77.14% 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.
  • With a Debt to Equity ratio value of 5.40, MFA perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF 65.58
Altman-Z -0.06
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 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.95 indicates that MFA may have some problems paying its short term obligations.
  • MFA has a Current ratio of 0.95. This is in the better half of the industry: MFA outperforms 72.86% of its industry peers.
  • A Quick Ratio of 0.95 indicates that MFA may have some problems paying its short term obligations.
  • MFA's Quick ratio of 0.95 is fine compared to the rest of the industry. MFA outperforms 72.86% of its industry peers.
Industry RankSector Rank
Current Ratio 0.95
Quick Ratio 0.95
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 2B 4B 6B 8B

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

3

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
  • MFA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.03%.
  • 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

  • MFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.91% yearly.
  • Based on estimates for the next years, MFA will show a quite strong growth in Revenue. The Revenue will grow by 12.28% on average per year.
EPS Next Y-33.1%
EPS Next 2Y-6.21%
EPS Next 3Y-0.91%
EPS Next 5YN/A
Revenue Next Year16.21%
Revenue Next 2Y6.56%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last 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 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.56, the valuation of MFA can be described as very reasonable.
  • Based on the Price/Earnings ratio, MFA is valued a bit cheaper than 74.29% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MFA to the average of the S&P500 Index (28.06), we can say MFA is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.03, the valuation of MFA can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, MFA is valued cheaply inside the industry as 82.86% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. MFA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.56
Fwd PE 7.03
MFA Price Earnings VS Forward Price EarningsMFA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • MFA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MFA is cheaper than 90.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.53
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.21%
EPS Next 3Y-0.91%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 14.89%, MFA is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 12.64, MFA pays a better dividend. On top of this MFA pays more dividend than 81.43% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, MFA pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.89%

5.2 History

  • The dividend of MFA decreases each year by -12.34%.
  • MFA has paid a dividend for at least 10 years, which is a reliable track record.
  • MFA has decreased its dividend recently.
Dividend Growth(5Y)-12.34%
Div Incr Years0
Div Non Decr Years1
MFA Yearly Dividends per shareMFA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

5.3 Sustainability

  • 205.55% of the earnings are spent on dividend by MFA. 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-6.21%
EPS Next 3Y-0.91%
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 0 200M -200M -400M -600M
MFA Dividend Payout.MFA Dividend Payout, showing the Payout Ratio.MFA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MFA FINANCIAL INC

NYSE:MFA (2/9/2026, 8:15:06 PM)

After market: 9.59 0 (0%)

9.59

-0.15 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)02-18
Inst Owners55.51%
Inst Owner Change-2.15%
Ins Owners0.89%
Ins Owner Change20.55%
Market Cap980.10M
Revenue(TTM)797.68M
Net Income(TTM)89.86M
Analysts72
Price Target10.65 (11.05%)
Short Float %2.58%
Short Ratio1.96
Dividend
Industry RankSector Rank
Dividend Yield 14.89%
Yearly Dividend1.73
Dividend Growth(5Y)-12.34%
DP205.55%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)1.21%
PT rev (3m)-5.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.23%
EPS NY rev (1m)-1.6%
EPS NY rev (3m)-6.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.31%
Valuation
Industry RankSector Rank
PE 8.56
Fwd PE 7.03
P/S 1.23
P/FCF 6.53
P/OCF 6.53
P/B 0.54
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)1.12
EY11.68%
EPS(NY)1.36
Fwd EY14.22%
FCF(TTM)1.47
FCFY15.31%
OCF(TTM)1.47
OCFY15.31%
SpS7.81
BVpS17.82
TBVpS17.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.19
Profitability
Industry RankSector 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 RankSector 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-33.1%
EPS Next 2Y-6.21%
EPS Next 3Y-0.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-24.03%
Revenue growth 3Y21.64%
Revenue growth 5Y-0.04%
Sales Q2Q%12.18%
Revenue Next Year16.21%
Revenue Next 2Y6.56%
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.


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

ChartMill assigns a valuation rating of 6 / 10 to MFA FINANCIAL INC (MFA). This can be considered as Fairly Valued.


How profitable is MFA FINANCIAL INC (MFA) stock?

MFA FINANCIAL INC (MFA) has a profitability rating of 5 / 10.


What are the PE and PB ratios of MFA FINANCIAL INC (MFA) stock?

The Price/Earnings (PE) ratio for MFA FINANCIAL INC (MFA) is 8.56 and the Price/Book (PB) ratio is 0.54.


Can you provide the dividend sustainability for MFA stock?

The dividend rating of MFA FINANCIAL INC (MFA) is 5 / 10 and the dividend payout ratio is 205.55%.