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 Sep 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for Q1 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
Ellington Credit Company does not currently provide enough eligible data for a peer-relative financial health score, so none is published. 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).
For every $1 of reported earnings, Ellington Credit Company generates $1.38 in operating cash flow ($9.1M OCF vs $6.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Ellington Credit Company reported -$7.9M in net income in Q1 2025. This represents a decrease of 298.7% from the same quarter a year earlier.
Not reported for Q1 2025.
Not reported for Q1 2025.
Not reported for Q1 2025.
Cash & Balance Sheet
Ellington Credit Company held $17.4M in cash as of Q1 2025; long-term debt is not reported for that period.
Ellington Credit Company paid $0.24 per share in dividends in Q1 2025. It is unchanged from the prior quarter.
Not reported for Q1 2025.
Margins & Returns
Ellington Credit Company's ROE was -3.4% in Q1 2025, measuring profit generated per dollar of shareholder equity. This is down 6.2 percentage points from the same quarter a year earlier.
Not reported for Q1 2025.
Not reported for Q1 2025.
Not reported for Q1 2025.
Capital Allocation
Ellington Credit Company spent $978K on share buybacks in Q1 2025, returning capital to shareholders by reducing shares outstanding.
Not reported for Q1 2025.
Not reported for Q1 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 | Q1'2510-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-38.5% | N/A | $7.8M-37.2% | $10.2M-12.4% | $10.1M+4.0% | N/A | $12.3M+189.3% | $11.7M+64.2% |
| Income Tax | -$6K-102.0% | N/A | $463K | -$75K | $303K | N/A | $0 | $0 |
| Net Income | -$7.9M-298.7% | N/A | $5.4M+147.7% | -$815K-167.7% | $4.0M+69.5% | N/A | -$11.4M+16.5% | $1.2M+111.2% |
| EPS (Basic) | -$0.23-215.0% | -$0.11-112.8% | $0.21+128.0% | -$0.04-144.4% | $0.20+17.6% | $0.86-4.4% | -$0.75+27.9% | $0.09+111.0% |
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 | Q1'2510-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-18.7% | $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-22.6% | $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% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $555.1M-32.4% | $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+59.9% | $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 | -$171.7M-23.2% | -$155.2M-11.9% | -$146.2M+0.5% | -$145.2M-10.2% | -$139.4M-7.6% | -$138.6M-7.8% | -$147.0M-7.1% | -$131.8M-9.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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 | Q1'2510-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+864.4% | $4.4M+293.8% | $3.2M+196.3% | $2.7M+233.6% | -$1.2M+49.4% | -$2.3M-154.0% | -$3.4M-180.6% | -$2.0M-128.0% |
| Stock-Based Compensation | $203K+181.9% | N/A | N/A | N/A | $72K+60.0% | N/A | N/A | N/A |
| Investing Cash Flow | -$27.1M-166.8% | -$74.0M-310.2% | $46.4M-32.9% | $103.4M+289.4% | $40.6M+190.1% | $35.2M-50.0% | $69.1M+6301.9% | $26.6M-89.0% |
| Financing Cash Flow | $3.5M+106.2% | $75.7M+320.1% | -$142.6M-105.4% | -$9.8M+44.2% | -$55.5M-212.6% | -$34.4M+47.2% | -$69.4M-300.9% | -$17.5M+92.3% |
| Dividends Paid | $8.1M+73.5% | $6.8M+75.2% | $6.4M+71.9% | $4.9M+46.5% | $4.7M+42.5% | $3.9M+22.8% | $3.7M+18.1% | $3.4M-1.0% |
| Share Buybacks | $978K | N/A | N/A | N/A | $0 | $0 | $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 | Q1'2510-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%-6.2pp | N/A | 2.8%+13.1pp | -0.6%-1.6pp | 2.8%+0.7pp | N/A | -10.3%+3.0pp | 1.0%+10.1pp |
| Return on Assets | -1.0%-1.4pp | N/A | 0.7%+1.8pp | -0.1%-0.2pp | 0.4%+0.2pp | N/A | -1.1%+0.1pp | 0.1%+1.1pp |
| Debt-to-Equity | 2.43-3.3x | 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, 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.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Ellington Credit Company EARN | FY2024 | N/A | $6.6M | N/A | $155.9M | — |
| WhiteHorse Finance, Inc. WHF | FY2025 | N/A | $14.3M | N/A | $157.4M | — |
| SuRo Capital Corp. SSSS | FY2025 | N/A | $48.8M | N/A | $326.9M | — |
Where Ellington Credit Company Ranks
Frequently Asked Questions
Is Ellington Credit Company profitable?
Yes, Ellington Credit Company (EARN) reported a net income of $6.6M in fiscal year 2024.
Does Ellington Credit Company pay dividends?
Yes, Ellington Credit Company (EARN) paid $0.96 per share in dividends during fiscal year 2024.
What is Ellington Credit Company's return on equity (ROE)?
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.
What is Ellington Credit Company's operating cash flow?
Ellington Credit Company (EARN) generated $9.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Ellington Credit Company's total assets?
Ellington Credit Company (EARN) had $824.1M in total assets as of fiscal year 2024, including both current and long-term assets.
What is Ellington Credit Company's debt-to-equity ratio?
Ellington Credit Company (EARN) had a debt-to-equity ratio of 3.25 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ellington Credit Company's return on assets (ROA)?
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.
What is Ellington Credit Company's P/E ratio?
Ellington Credit Company (EARN) trades at 23.7x earnings, its market capitalization divided by net income of $6.6M net income, FY2024. The market capitalization is $155.9M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Ellington Credit Company's price-to-sales ratio?
Ellington Credit Company (EARN) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $155.9M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Ellington Credit Company's Piotroski F-Score?
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.
Are Ellington Credit Company's earnings high quality?
Ellington Credit Company (EARN) has an earnings quality ratio of 1.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.