Ellington Credit Company (EARN) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for Q4 FY2025, filed Jun 23, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EARN SEC filings page.
This page shows Ellington Credit Company (EARN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
We do not publish a peer-relative financial health score for Ellington Credit Company, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
Ellington Credit Company passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).
Key Financial Metrics
Earnings & Revenue
Ellington Credit Company reported a net loss of $7.9M in Q4 2025. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Not reported for Q4 2025.
Not reported for Q4 2025.
Not reported for Q4 2025.
Cash & Balance Sheet
Ellington Credit Company held $17.4M in cash as of Q4 2025; no long-term debt figure is on record for that period.
Ellington Credit Company paid $0.24 per share in dividends in Q4 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q4 2025.
Margins & Returns
Ellington Credit Company's quarterly ROE was -3.4% in Q4 2025: one quarter's net income over shareholder equity, not annualized. This is down 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.4 percentage points.
Not reported for Q4 2025.
Not reported for Q4 2025.
Not reported for Q4 2025.
Capital Allocation
Ellington Credit Company spent $978K on share buybacks in Q4 2025, returning capital to shareholders by reducing shares outstanding.
Not reported for Q4 2025.
Not reported for Q4 2025.
EARN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-K | Q4'2310-K | Q3'2310-Q | Q2'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Interest Expense | $6.2M | N/A | $7.8M-37.2% | $10.2M-12.4% | $10.1M+4.0% | N/A | $12.3M+189.3% | $11.7M |
| Income Tax | -$6Kn/m | -$181Kn/m | $463Kn/m | -$75Kn/m | $303Kn/m | $0 | $0 | $0 |
| Net Income | -$7.9Mn/m | -$2.0M-116.1% | $5.4Mn/m | -$815K-167.7% | $4.0M+69.5% | $12.4M+6.5% | -$11.4Mn/m | $1.2Mn/m |
| EPS (Basic) | -$0.23n/m | -$0.11 | $0.21n/m | -$0.04-144.4% | $0.20+17.6% | $0.86-4.4% | -$0.75n/m | $0.09n/m |
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).
EARN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-K | Q4'2310-K | Q3'2310-Q | Q2'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $783.6M-4.9% | $824.1M-12.9% | $752.3M-29.3% | $933.5M-13.9% | $964.0M-14.2% | $945.7M-10.2% | $1.1B-10.5% | $1.1B-3.4% |
| Cash & Equivalents | $17.4M-45.4% | $31.8M-17.4% | $25.7M-35.6% | $118.8M+171.7% | $22.4M-38.8% | $38.5M+10.7% | $40.0M+57.4% | $43.7M+16.7% |
| Total Liabilities | $555.1M-11.9% | $630.4M-22.1% | $560.7M-41.2% | $787.3M-18.6% | $821.0M-18.6% | $809.5M-14.0% | $953.0M-12.3% | $967.3M-3.6% |
| Total Equity | $228.5M+18.0% | $193.7M+42.2% | $191.6M+71.9% | $146.1M+25.2% | $142.9M+24.3% | $136.2M+21.2% | $111.5M+8.2% | $116.7M-1.6% |
| Retained Earnings | -$171.7Mn/m | -$155.2Mn/m | -$146.2Mn/m | -$145.2Mn/m | -$139.4Mn/m | -$138.6Mn/m | -$147.0Mn/m | -$131.8Mn/m |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
EARN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-K | Q4'2310-K | Q3'2310-Q | Q2'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.2M+109.1% | $4.4Mn/m | $3.2Mn/m | $2.7Mn/m | -$1.2Mn/m | -$2.3M-154.0% | -$3.4M-180.6% | -$2.0M-128.0% |
| Stock-Based Compensation | $203K | N/A | N/A | N/A | $72K+60.0% | N/A | N/A | N/A |
| Investing Cash Flow | -$27.1Mn/m | -$74.0M-310.2% | $46.4M-32.9% | $103.4M+289.4% | $40.6Mn/m | $35.2M-50.0% | $69.1M+6301.9% | $26.6M-89.0% |
| Financing Cash Flow | $3.5M-95.4% | $75.7Mn/m | -$142.6Mn/m | -$9.8Mn/m | -$55.5M-212.6% | -$34.4Mn/m | -$69.4Mn/m | -$17.5Mn/m |
| Dividends Paid | $8.1M+18.1% | $6.8M+75.2% | $5.9M+62.5% | $4.8M+45.3% | $4.7M+42.5% | $3.9M+22.8% | $3.6M+14.8% | $3.3M-9.3% |
| Share Buybacks | $978K | N/A | N/A | N/A | $0 | $0n/m | $0-100.0% | N/A |
Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow.
EARN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-K | Q4'2310-K | Q3'2310-Q | Q2'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Return on Equity | -3.4%-2.4pp | -1.0%-10.2pp | 2.8%+13.1pp | -0.6%-1.6pp | 2.8%+0.7pp | 9.1%-1.3pp | -10.3%+3.0pp | 1.0%+10.1pp |
| Return on Assets | -1.0%-0.8pp | -0.2%-1.6pp | 0.7%+1.8pp | -0.1%-0.2pp | 0.4%+0.2pp | 1.3%+0.2pp | -1.1%+0.1pp | 0.1%+1.1pp |
| Liabilities-to-Equity | 2.43-0.8x | 3.25-2.7x | 2.93-5.6x | 5.39-2.9x | 5.74-3.0x | 5.94-2.4x | 8.55-2.0x | 8.29-0.2x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, Debt-to-Equity, Asset Turnover, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Ellington Credit Company EARN | FY2024 | N/A | $6.6M | N/A | $118.3M | — |
| Oxford Square Capital Corp. OXSQ | FY2025 | N/A | -$18.7M | N/A | $101.8M | — |
Where Ellington Credit Company Ranks
Frequently Asked Questions
No, Ellington Credit Company (EARN) reported a net loss of $5.2M over the trailing 12 months to March 31, 2025. In fiscal year 2024 it reported a net income of $6.6M.
Yes, Ellington Credit Company (EARN) paid $0.96 per share in dividends during fiscal year 2024.
Ellington Credit Company (EARN) has a return on equity of 3.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
Ellington Credit Company (EARN) generated $9.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
Ellington Credit Company (EARN) had $824.1M in total assets as of fiscal year 2024, including both current and long-term assets.
Ellington Credit Company (EARN) had a liabilities-to-equity ratio of 3.25 as of fiscal year 2024, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2024, because the filing data we hold for that year carries no long-term debt figure.
Ellington Credit Company (EARN) had a return on assets of 0.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
Ellington Credit Company (EARN) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to March 31, 2025). The market capitalization is $118.3M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Ellington Credit Company (EARN) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $118.3M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Ellington Credit Company (EARN) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.