(MFA) MFA Financial - Ratings and Ratios
REIT,Residental,Mortgage,MBS,Securities
MFA EPS (Earnings per Share)
MFA Revenue
Description: MFA MFA Financial
MFA Financial Inc (NYSE:MFA) is a Mortgage REIT that operates in the United States. As a Mortgage REIT, the companys primary business is investing in mortgage-backed securities (MBS) and other types of mortgage-related assets, generating income through interest payments and dividends.
The companys performance is closely tied to interest rates, mortgage spreads, and the overall health of the housing market. Key economic drivers include the Federal Reserves monetary policy decisions, housing market trends, and the overall state of the economy. As a result, MFAs stock price can be sensitive to changes in interest rates, with rising rates potentially leading to increased borrowing costs and decreased demand for MBS.
To evaluate MFAs performance, key performance indicators (KPIs) such as dividend yield, net interest income, and book value per share are crucial. The companys dividend yield is particularly important, as Mortgage REITs are known for their high dividend payouts. A stable or increasing dividend yield can indicate a strong and consistent income stream, while a declining yield may signal potential issues with the companys ability to generate cash.
Additionally, MFAs financial leverage and capital management strategies are also important considerations. The companys ability to manage its debt-to-equity ratio and maintain a stable capital structure can impact its overall financial health and ability to weather economic downturns. With a market capitalization of approximately $984.60M USD, MFAs market cap and liquidity profile can also influence its stock price dynamics.
Investors should also consider the companys valuation multiples, such as the price-to-earnings (P/E) ratio, to assess whether MFAs stock is fairly valued relative to its earnings and growth prospects. With a P/E ratio of 10.90 and a forward P/E of 7.32, MFAs valuation appears to be reasonable compared to its current earnings and expected future growth.
MFA Stock Overview
| Market Cap in USD | 946m |
| Sub-Industry | Mortgage REITs |
| IPO / Inception | 1998-04-13 |
MFA Stock Ratings
| Growth Rating | 16.8% |
| Fundamental | 64.8% |
| Dividend Rating | 61.8% |
| Return 12m vs S&P 500 | -24.9% |
| Analyst Rating | 3.57 of 5 |
MFA Dividends
| Dividend Yield 12m | 15.70% |
| Yield on Cost 5y | 23.06% |
| Annual Growth 5y | 1.87% |
| Payout Consistency | 86.1% |
| Payout Ratio | 110.9% |
MFA Growth Ratios
| Growth Correlation 3m | 43.5% |
| Growth Correlation 12m | -33.8% |
| Growth Correlation 5y | 4.7% |
| CAGR 5y | 17.86% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.56 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.84 |
| Sharpe Ratio 12m | 0.66 |
| Alpha | -37.52 |
| Beta | 1.756 |
| Volatility | 26.67% |
| Current Volume | 1501k |
| Average Volume 20d | 2029.9k |
| Stop Loss | 8.8 (-3.4%) |
| Signal | 0.13 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (128.3m TTM) > 0 and > 6% of Revenue (6% = 21.6m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.23pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 39.86% (prev 71.74%; Δ -31.88pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 124.1m <= Net Income 128.3m (YES >=105%, WARN >=100%) |
| Net Debt (-275.7m) to EBITDA (345.3m) ratio: -0.80 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (105.3m) change vs 12m ago 0.12% (target <= -2.0% for YES) |
| Gross Margin 25.49% (prev 54.95%; Δ -29.45pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.17% (prev 3.23%; Δ -0.06pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.89 (EBITDA TTM 345.3m / Interest Expense TTM 386.4m) >= 6 (WARN >= 3) |
Altman Z'' -0.45
| (A) 0.01 = (Total Current Assets 275.7m - Total Current Liabilities 132.2m) / Total Assets 11.67b |
| (B) -0.16 = Retained Earnings (Balance) -1.90b / Total Assets 11.67b |
| (C) 0.03 = EBIT TTM 343.7m / Avg Total Assets 11.38b |
| (D) -0.19 = Book Value of Equity -1.89b / Total Liabilities 9.85b |
| Total Rating: -0.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 64.79
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 1.85% = 0.93 |
| 3. FCF Margin 34.44% = 7.50 |
| 4. Debt/Equity 3.30 = -1.21 |
| 5. Debt/Ebitda -0.80 = 2.50 |
| 6. ROIC - WACC (= 2.65)% = 3.31 |
| 7. RoE 6.95% = 0.58 |
| 8. Rev. Trend 55.59% = 4.17 |
| 9. EPS Trend -29.58% = -1.48 |
What is the price of MFA shares?
Over the past week, the price has changed by +1.67%, over one month by -6.36%, over three months by +1.80% and over the past year by -15.05%.
Is MFA Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MFA is around 9.99 USD . This means that MFA is currently overvalued and has a potential downside of 9.66%.
Is MFA a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MFA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14.4 | 58.3% |
| Analysts Target Price | 14.4 | 58.3% |
| ValueRay Target Price | 10.5 | 15.7% |
Last update: 2025-10-04 03:56
MFA Fundamental Data Overview
P/E Trailing = 10.4659
P/E Forward = 6.4977
P/S = 3.3238
P/B = 0.5235
P/EG = 2.25
Beta = 1.756
Revenue TTM = 360.2m USD
EBIT TTM = 343.7m USD
EBITDA TTM = 345.3m USD
Long Term Debt = 6.09b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.02b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -275.7m USD (from netDebt column, last quarter)
Enterprise Value = 6.69b USD (945.6m + Debt 6.02b - CCE 275.7m)
Interest Coverage Ratio = 0.89 (Ebit TTM 343.7m / Interest Expense TTM 386.4m)
FCF Yield = 1.85% (FCF TTM 124.1m / Enterprise Value 6.69b)
FCF Margin = 34.44% (FCF TTM 124.1m / Revenue TTM 360.2m)
Net Margin = 35.60% (Net Income TTM 128.3m / Revenue TTM 360.2m)
Gross Margin = 25.49% ((Revenue TTM 360.2m - Cost of Revenue TTM 268.4m) / Revenue TTM)
Gross Margin QoQ = 94.49% (prev -64.40%)
Tobins Q-Ratio = 0.57 (Enterprise Value 6.69b / Total Assets 11.67b)
Interest Expense / Debt = 0.08% (Interest Expense 4.54m / Debt 6.02b)
Taxrate = 0.71% (238.0k / 33.4m)
NOPAT = 341.2m (EBIT 343.7m * (1 - 0.71%))
Current Ratio = 2.09 (Total Current Assets 275.7m / Total Current Liabilities 132.2m)
Debt / Equity = 3.30 (Debt 6.02b / totalStockholderEquity, last quarter 1.82b)
Debt / EBITDA = -0.80 (Net Debt -275.7m / EBITDA 345.3m)
Debt / FCF = -2.22 (Net Debt -275.7m / FCF TTM 124.1m)
Total Stockholder Equity = 1.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 128.3m / Total Assets 11.67b)
RoE = 6.95% (Net Income TTM 128.3m / Total Stockholder Equity 1.85b)
RoCE = 4.33% (EBIT 343.7m / Capital Employed (Equity 1.85b + L.T.Debt 6.09b))
RoIC = 4.41% (NOPAT 341.2m / Invested Capital 7.74b)
WACC = 1.76% (E(945.6m)/V(6.97b) * Re(12.49%) + D(6.02b)/V(6.97b) * Rd(0.08%) * (1-Tc(0.01)))
Discount Rate = 12.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.12%
[DCF Debug] Terminal Value 60.53% ; FCFE base≈131.9m ; Y1≈114.1m ; Y5≈90.6m
Fair Price DCF = 8.79 (DCF Value 902.3m / Shares Outstanding 102.7m; 5y FCF grow -16.43% → 3.0% )
EPS Correlation: -29.58 | EPS CAGR: 17.43% | SUE: -4.0 | # QB: 0
Revenue Correlation: 55.59 | Revenue CAGR: 231.1% | SUE: 3.59 | # QB: 3
Additional Sources for MFA Stock
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Fund Manager Positions: Dataroma | Stockcircle