Ellington Financial Inc. (EFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Ellington Financial Inc. stock (EFC) is currently trading at $11.51. Ellington Financial Inc. PE ratio is 9.50. Ellington Financial Inc. PS ratio (Price-to-Sales) is 4.28. Analyst consensus price target for EFC is $14.62. WallStSmart rates EFC as Hold.
- EFC PE ratio analysis and historical PE chart
- EFC PS ratio (Price-to-Sales) history and trend
- EFC intrinsic value — DCF, Graham Number, EPV models
- EFC stock price prediction 2025 2026 2027 2028 2029 2030
- EFC fair value vs current price
- EFC insider transactions and insider buying
- Is EFC undervalued or overvalued?
- Ellington Financial Inc. financial analysis — revenue, earnings, cash flow
- EFC Piotroski F-Score and Altman Z-Score
- EFC analyst price target and Smart Rating
Ellington Financial Inc.
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EFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Ellington Financial Inc. (EFC)
EFC trades 60% above its Graham fair value of $8.09, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Ellington Financial Inc. (EFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Ellington Financial Inc. (EFC) Key Strengths (4)
Growing significantly faster than its price suggests
Keeps $32 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $45 of every $100 in revenue as net profit
Supporting Valuation Data
Ellington Financial Inc. (EFC) Areas to Watch (6)
Revenue declining -0.60%, a shrinking business
Earnings declining -45.30%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 4.3x annual revenue
Small-cap company with higher risk but more growth potential
Moderate institutional interest at 46.68%
Supporting Valuation Data
Ellington Financial Inc. (EFC) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Price/Book. Valuation metrics including PEG Ratio (0.86), Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.10%, Profit Margin at 44.60%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (4.28) suggest expensive pricing. Growth concerns include Revenue Growth at -0.60%, EPS Growth at -45.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.71%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.71% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -0.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Operating Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EFC's Price-to-Sales ratio of 4.28x trades at a deep discount to its historical average of 95.18x (0th percentile). The current valuation is 100% below its historical high of 901.28x set in May 2017, and 0% above its historical low of 4.28x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~5.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Ellington Financial Inc. (EFC) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
Ellington Financial Inc. faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 329M with 60% decline year-over-year. Profit margins are strong at 44.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 871.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 44.6% and operating margin of 32.1% demonstrate strong pricing power and operational efficiency.
Revenue contracted 60% YoY. Worth determining whether this is cyclical or structural.
Debt-to-equity ratio of 8.82 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Dividend sustainability with a current yield of 13.3%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 15.6B is significantly higher than cash (185M). Monitor refinancing risk.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact Ellington Financial Inc..
Bottom Line
Ellington Financial Inc. faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Ellington Financial Inc.(EFC)
NYSE
REAL ESTATE
REIT - MORTGAGE
USA
Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, business-related and other financial assets in the United States. The company is headquartered in Old Greenwich, Connecticut.