AG MORTGAGE INVESTMENT TRUST (MITT) Stock Fundamental Analysis
USA - NYSE:MITT - US0012285013 - REIT
7.89 USD
+0.04 (+0.51%)
MITT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 62 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. MITT may be in some trouble as it scores bad on both profitability and health. MITT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MITT had positive earnings in the past year.
MITT had a positive operating cash flow in the past year.
In multiple years MITT reported negative net income over the last 5 years.
MITT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.34%, MITT perfoms like the industry average, outperforming 58.06% of the companies in the same industry.
MITT has a Return On Equity of 4.76%. This is in the better half of the industry: MITT outperforms 74.19% of its industry peers.
MITT has a Return On Invested Capital of 0.38%. This is comparable to the rest of the industry: MITT outperforms 56.45% of its industry peers.
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 1.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 4.76% | ||
| ROIC | 0.38% |
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 (5.90%) 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 8.29%, MITT is in line with its industry, outperforming 43.55% of the companies in the same industry.
MITT's Operating Margin has declined in the last couple of years.
MITT has a Gross Margin of 12.15%. This is in the lower half of the industry: MITT underperforms 69.35% of its industry peers.
In the last couple of years the Gross Margin of MITT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.29% | ||
| PM (TTM) | 5.9% | ||
| GM | 12.15% |
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
MITT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, MITT has more shares outstanding
Compared to 1 year ago, MITT has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.12, we must say that MITT is in the distress zone and has some risk of bankruptcy.
MITT has a Altman-Z score (-0.12) which is in line with its industry peers.
MITT has a debt to FCF ratio of 128.19. This is a negative value and a sign of low solvency as MITT would need 128.19 years to pay back of all of its debts.
MITT has a Debt to FCF ratio (128.19) which is comparable to the rest of the industry.
MITT has a Debt/Equity ratio of 12.82. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 12.82, MITT is doing worse than 90.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.82 | ||
| Debt/FCF | 128.19 | ||
| Altman-Z | -0.12 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.15 indicates that MITT may have some problems paying its short term obligations.
The Current ratio of MITT (0.15) is comparable to the rest of the industry.
MITT has a Quick Ratio of 0.15. 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 Quick ratio of 0.15. This is comparable to the rest of the industry: MITT outperforms 45.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 273.91% over the past year.
The earnings per share for MITT have been decreasing by -25.19% on average. This is quite bad
Looking at the last year, MITT shows a very strong growth in Revenue. The Revenue has grown by 28.47%.
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)273.91%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%-150%
Revenue 1Y (TTM)28.47%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%8.37%
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 0.25% on average per year.
The Revenue is expected to grow by 10.75% on average over the next years. This is quite good.
EPS Next Y-43.82%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
EPS Next 5YN/A
Revenue Next Year13.99%
Revenue Next 2Y13.97%
Revenue Next 3Y10.75%
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 9.17, the valuation of MITT can be described as reasonable.
MITT's Price/Earnings ratio is a bit cheaper when compared to the industry. MITT is cheaper than 75.81% of the companies in the same industry.
MITT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 8.39 indicates a reasonable valuation of MITT.
Based on the Price/Forward Earnings ratio, MITT is valued a bit cheaper than 64.52% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.88. MITT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.39 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MITT is valued cheaper than 93.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.15%, MITT is a good candidate for dividend investing.
MITT's Dividend Yield is slightly below the industry average, which is at 11.50.
Compared to an average S&P500 Dividend Yield of 2.38, MITT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.15% |
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
170.19% of the earnings are spent on dividend by MITT. This is not a sustainable payout ratio.
DP170.19%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
NYSE:MITT (9/19/2025, 10:31:25 AM)
7.89
+0.04 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners36.27%
Inst Owner Change-5.2%
Ins Owners3.14%
Ins Owner Change1.41%
Market Cap250.35M
Analysts78.33
Price Target8.67 (9.89%)
Short Float %1.69%
Short Ratio2.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.15% |
Yearly Dividend1.26
Dividend Growth(5Y)-30.15%
DP170.19%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-50.9%
Min EPS beat(2)-122.91%
Max EPS beat(2)21.11%
EPS beat(4)3
Avg EPS beat(4)29.9%
Min EPS beat(4)-122.91%
Max EPS beat(4)142.07%
EPS beat(8)4
Avg EPS beat(8)-37.6%
EPS beat(12)7
Avg EPS beat(12)-333.89%
EPS beat(16)9
Avg EPS beat(16)-380.29%
Revenue beat(2)0
Avg Revenue beat(2)-9.82%
Min Revenue beat(2)-16.34%
Max Revenue beat(2)-3.31%
Revenue beat(4)0
Avg Revenue beat(4)-9.66%
Min Revenue beat(4)-16.34%
Max Revenue beat(4)-3.31%
Revenue beat(8)1
Avg Revenue beat(8)-6.39%
Revenue beat(12)3
Avg Revenue beat(12)24.77%
Revenue beat(16)7
Avg Revenue beat(16)30.8%
PT rev (1m)0.59%
PT rev (3m)1.8%
EPS NQ rev (1m)7.37%
EPS NQ rev (3m)-13.19%
EPS NY rev (1m)-22.84%
EPS NY rev (3m)-25.55%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-2.43%
Revenue NY rev (1m)-5.44%
Revenue NY rev (3m)-5.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.39 | ||
| P/S | 0.58 | ||
| P/FCF | 4.67 | ||
| P/OCF | 4.67 | ||
| P/B | 0.47 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.86
EY10.9%
EPS(NY)0.94
Fwd EY11.93%
FCF(TTM)1.69
FCFY21.43%
OCF(TTM)1.69
OCFY21.43%
SpS13.65
BVpS16.91
TBVpS16.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 4.76% | ||
| ROCE | 0.55% | ||
| ROIC | 0.38% | ||
| ROICexc | 0.39% | ||
| ROICexgc | 0.39% | ||
| OM | 8.29% | ||
| PM (TTM) | 5.9% | ||
| GM | 12.15% | ||
| FCFM | 12.39% |
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%
ROICexcg growth 3Y-6.27%
ROICexcg 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-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.82 | ||
| Debt/FCF | 128.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.11 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 210.08% | ||
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 | ||
| Altman-Z | -0.12 |
F-Score5
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)273.91%
EPS 3Y-39.77%
EPS 5Y-25.19%
EPS Q2Q%-150%
EPS Next Y-43.82%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
EPS Next 5YN/A
Revenue 1Y (TTM)28.47%
Revenue growth 3Y79.44%
Revenue growth 5Y18.93%
Sales Q2Q%8.37%
Revenue Next Year13.99%
Revenue Next 2Y13.97%
Revenue Next 3Y10.75%
Revenue Next 5YN/A
EBIT growth 1Y24.84%
EBIT growth 3Y19.27%
EBIT growth 5Y-8.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y117.21%
FCF growth 3Y28.53%
FCF growth 5Y-3.05%
OCF growth 1Y117.21%
OCF growth 3Y28.53%
OCF growth 5Y-3.05%