AG MORTGAGE INVESTMENT TRUST (MITT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MITT - US0012285013 - REIT
8.9 USD
-0.05 (-0.56%)
Taking everything into account, MITT scores 3 out of 10 in our fundamental rating. MITT was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MITT has a bad profitability rating. Also its financial health evaluation is rather negative. MITT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MITT was profitable.
In the past year MITT had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: MITT reported negative net income in multiple years.
MITT 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 0.31%, MITT is in line with its industry, outperforming 48.53% of the companies in the same industry.
MITT has a better Return On Equity (5.04%) than 67.65% of its industry peers.
MITT has a Return On Invested Capital (0.35%) which is comparable to the rest of the industry.
MITT had an Average Return On Invested Capital over the past 3 years of 0.43%. This is in line with the industry average of 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 5.04% | ||
| ROIC | 0.35% |
ROA(3y)-0.18%
ROA(5y)-5.75%
ROE(3y)-0.68%
ROE(5y)-18.43%
ROIC(3y)0.43%
ROIC(5y)0.52%
1.3 Margins
MITT has a Profit Margin (6.27%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MITT has declined.
Looking at the Operating Margin, with a value of 8.68%, MITT is in line with its industry, outperforming 45.59% of the companies in the same industry.
In the last couple of years the Operating Margin of MITT has declined.
MITT has a Gross Margin of 12.40%. This is amonst the worse of the industry: MITT underperforms 80.88% of its industry peers.
In the last couple of years the Gross Margin of MITT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.68% | ||
| PM (TTM) | 6.27% | ||
| GM | 12.4% |
OM growth 3Y-33.53%
OM growth 5Y-22.66%
PM growth 3Y-58.15%
PM growth 5Y-27.59%
GM growth 3Y-35.88%
GM growth 5Y-21.14%
2. Health
2.1 Basic Checks
Compared to 1 year ago, MITT has more shares outstanding
Compared to 5 years ago, MITT has more shares outstanding
The debt/assets ratio for MITT is higher compared to a year ago.
2.2 Solvency
MITT has an Altman-Z score of -0.10. This is a bad value and indicates that MITT is not financially healthy and even has some risk of bankruptcy.
MITT has a Altman-Z score (-0.10) which is comparable to the rest of the industry.
MITT has a debt to FCF ratio of 147.88. This is a negative value and a sign of low solvency as MITT would need 147.88 years to pay back of all of its debts.
MITT has a Debt to FCF ratio of 147.88. This is comparable to the rest of the industry: MITT outperforms 52.94% of its industry peers.
MITT has a Debt/Equity ratio of 14.94. This is a high value indicating a heavy dependency on external financing.
MITT's Debt to Equity ratio of 14.94 is on the low side compared to the rest of the industry. MITT is outperformed by 91.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.94 | ||
| Debt/FCF | 147.88 | ||
| Altman-Z | -0.1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MITT has a Current Ratio of 0.12. This is a bad value and indicates that MITT is not financially healthy enough and could expect problems in meeting its short term obligations.
MITT has a Current ratio of 0.12. This is comparable to the rest of the industry: MITT outperforms 45.59% of its industry peers.
MITT has a Quick Ratio of 0.12. This is a bad value and indicates that MITT is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of MITT (0.12) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
The earnings per share for MITT have decreased by -3.13% in the last year.
The earnings per share for MITT have been decreasing by -25.19% on average. This is quite bad
MITT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.40%.
MITT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.93% yearly.
EPS 1Y (TTM)-3.13%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%17.5%
Revenue 1Y (TTM)18.4%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%30.31%
3.2 Future
Based on estimates for the next years, MITT will show a small growth in Earnings Per Share. The EPS will grow by 0.39% on average per year.
MITT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.34% yearly.
EPS Next Y-35.94%
EPS Next 2Y-9.62%
EPS Next 3Y0.39%
EPS Next 5YN/A
Revenue Next Year13.45%
Revenue Next 2Y15.05%
Revenue Next 3Y12.34%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.57, the valuation of MITT can be described as reasonable.
Based on the Price/Earnings ratio, MITT is valued a bit cheaper than the industry average as 72.06% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.59, MITT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.86, the valuation of MITT can be described as reasonable.
MITT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MITT is cheaper than 64.71% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.03. MITT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 8.86 |
4.2 Price Multiples
MITT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MITT is cheaper than 94.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.62%
EPS Next 3Y0.39%
5. Dividend
5.1 Amount
MITT has a Yearly Dividend Yield of 9.55%, which is a nice return.
Compared to an average industry Dividend Yield of 12.23, MITT is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.88, MITT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.55% |
5.2 History
The dividend of MITT decreases each year by -30.15%.
MITT has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-30.15%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
158.93% of the earnings are spent on dividend by MITT. This is not a sustainable payout ratio.
DP158.93%
EPS Next 2Y-9.62%
EPS Next 3Y0.39%
NYSE:MITT (12/26/2025, 10:22:33 AM)
8.9
-0.05 (-0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners37.17%
Inst Owner Change14.06%
Ins Owners2.96%
Ins Owner Change1.25%
Market Cap282.49M
Revenue(TTM)450.36M
Net Income(TTM)28.23M
Analysts78.33
Price Target8.98 (0.9%)
Short Float %1.46%
Short Ratio2.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.55% |
Yearly Dividend1.26
Dividend Growth(5Y)-30.15%
DP158.93%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.41%
Min EPS beat(2)-121.95%
Max EPS beat(2)124.77%
EPS beat(4)3
Avg EPS beat(4)23.36%
Min EPS beat(4)-121.95%
Max EPS beat(4)124.77%
EPS beat(8)5
Avg EPS beat(8)36.97%
EPS beat(12)8
Avg EPS beat(12)13.09%
EPS beat(16)9
Avg EPS beat(16)-443.57%
Revenue beat(2)0
Avg Revenue beat(2)-12.25%
Min Revenue beat(2)-16.34%
Max Revenue beat(2)-8.16%
Revenue beat(4)0
Avg Revenue beat(4)-8.85%
Min Revenue beat(4)-16.34%
Max Revenue beat(4)-3.31%
Revenue beat(8)1
Avg Revenue beat(8)-6%
Revenue beat(12)2
Avg Revenue beat(12)9.42%
Revenue beat(16)6
Avg Revenue beat(16)28.98%
PT rev (1m)3.53%
PT rev (3m)3.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.16%
EPS NY rev (1m)12.23%
EPS NY rev (3m)14.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.46%
Revenue NY rev (1m)-0.61%
Revenue NY rev (3m)-0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 8.86 | ||
| P/S | 0.63 | ||
| P/FCF | 5 | ||
| P/OCF | 5 | ||
| P/B | 0.5 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.93
EY10.45%
EPS(NY)1
Fwd EY11.29%
FCF(TTM)1.78
FCFY20.02%
OCF(TTM)1.78
OCFY20.02%
SpS14.19
BVpS17.64
TBVpS17.64
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 5.04% | ||
| ROCE | 0.48% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.35% | ||
| ROICexgc | 0.35% | ||
| OM | 8.68% | ||
| PM (TTM) | 6.27% | ||
| GM | 12.4% | ||
| FCFM | 12.56% |
ROA(3y)-0.18%
ROA(5y)-5.75%
ROE(3y)-0.68%
ROE(5y)-18.43%
ROIC(3y)0.43%
ROIC(5y)0.52%
ROICexc(3y)0.44%
ROICexc(5y)0.54%
ROICexgc(3y)0.44%
ROICexgc(5y)0.54%
ROCE(3y)0.62%
ROCE(5y)0.94%
ROICexgc growth 3Y-6.27%
ROICexgc growth 5Y-16.26%
ROICexc growth 3Y-6.26%
ROICexc growth 5Y-16.25%
OM growth 3Y-33.53%
OM growth 5Y-22.66%
PM growth 3Y-58.15%
PM growth 5Y-27.59%
GM growth 3Y-35.88%
GM growth 5Y-21.14%
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.94 | ||
| Debt/FCF | 147.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.11 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 200.31% | ||
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 | ||
| Altman-Z | -0.1 |
F-Score3
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)-3.13%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%17.5%
EPS Next Y-35.94%
EPS Next 2Y-9.62%
EPS Next 3Y0.39%
EPS Next 5YN/A
Revenue 1Y (TTM)18.4%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%30.31%
Revenue Next Year13.45%
Revenue Next 2Y15.05%
Revenue Next 3Y12.34%
Revenue Next 5YN/A
EBIT growth 1Y25.27%
EBIT growth 3Y19.27%
EBIT growth 5Y-8.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y137.6%
FCF growth 3Y28.53%
FCF growth 5Y-3.05%
OCF growth 1Y137.6%
OCF growth 3Y28.53%
OCF growth 5Y-3.05%
AG MORTGAGE INVESTMENT TRUST / MITT FAQ
What is the ChartMill fundamental rating of AG MORTGAGE INVESTMENT TRUST (MITT) stock?
ChartMill assigns a fundamental rating of 3 / 10 to MITT.
What is the valuation status for MITT stock?
ChartMill assigns a valuation rating of 5 / 10 to AG MORTGAGE INVESTMENT TRUST (MITT). This can be considered as Fairly Valued.
What is the profitability of MITT stock?
AG MORTGAGE INVESTMENT TRUST (MITT) has a profitability rating of 3 / 10.
What is the expected EPS growth for AG MORTGAGE INVESTMENT TRUST (MITT) stock?
The Earnings per Share (EPS) of AG MORTGAGE INVESTMENT TRUST (MITT) is expected to decline by -35.94% in the next year.
Can you provide the dividend sustainability for MITT stock?
The dividend rating of AG MORTGAGE INVESTMENT TRUST (MITT) is 4 / 10 and the dividend payout ratio is 158.93%.