AG MORTGAGE INVESTMENT TRUST (MITT) Stock Fundamental Analysis
USA - NYSE:MITT - US0012285013 - REIT
7.86 USD
+0.11 (+1.42%)
We assign a fundamental rating of 3 out of 10 to MITT. MITT was compared to 62 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 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.
In the past year MITT had a positive cash flow from operations.
In multiple years MITT reported negative net income over the last 5 years.
In the past 5 years MITT always reported a positive cash flow from operatings.
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.
The Return On Equity of MITT (4.76%) is better than 74.19% of its industry peers.
MITT has a Return On Invested Capital (0.38%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for MITT 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.
MITT's Profit Margin has declined in the last couple of years.
MITT's Operating Margin of 8.29% is in line compared to the rest of the industry. MITT outperforms 43.55% of its industry peers.
MITT's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 12.15%, MITT is not doing good in the industry: 69.35% of the companies in the same industry are doing better.
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
The number of shares outstanding for MITT has been increased compared to 1 year ago.
Compared to 5 years ago, MITT has more shares outstanding
MITT has a worse debt/assets ratio than last year.
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 of 128.19. This is comparable to the rest of the industry: MITT outperforms 53.23% of its industry peers.
MITT has a Debt/Equity ratio of 12.82. This is a high value indicating a heavy dependency on external financing.
MITT's Debt to Equity ratio of 12.82 is on the low side compared to the rest of the industry. MITT is outperformed by 90.32% of its industry peers.
| 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.
MITT has a Current ratio of 0.15. This is comparable to the rest of the industry: MITT outperforms 45.16% of its industry peers.
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 (0.15) which is in line with 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.
MITT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -25.19% yearly.
MITT shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.47%.
Measured over the past years, MITT shows a quite strong growth in Revenue. The Revenue has been growing by 18.93% on average per year.
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.
Based on estimates for the next years, MITT will show a quite strong growth in Revenue. The Revenue will grow by 10.75% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
MITT is valuated reasonably with a Price/Earnings ratio of 9.14.
Compared to the rest of the industry, the Price/Earnings ratio of MITT indicates a somewhat cheap valuation: MITT is cheaper than 75.81% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.20. MITT is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.35, 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 66.13% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. MITT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
93.55% of the companies in the same industry are more expensive than MITT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.65 | ||
| 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
MITT has a Yearly Dividend Yield of 10.15%, which is a nice return.
Compared to an average industry Dividend Yield of 11.50, MITT is paying slightly less dividend.
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
MITT pays out 170.19% of its income as dividend. This is not a sustainable payout ratio.
DP170.19%
EPS Next 2Y-12.54%
EPS Next 3Y0.25%
NYSE:MITT (9/18/2025, 3:28:59 PM)
7.86
+0.11 (+1.42%)
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 Cap249.40M
Analysts78.33
Price Target8.67 (10.31%)
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 | 9.14 | ||
| Fwd PE | 8.35 | ||
| P/S | 0.58 | ||
| P/FCF | 4.65 | ||
| P/OCF | 4.65 | ||
| P/B | 0.46 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.86
EY10.94%
EPS(NY)0.94
Fwd EY11.97%
FCF(TTM)1.69
FCFY21.51%
OCF(TTM)1.69
OCFY21.51%
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%