NYSE:EARN Ellington Credit (EARN) Stock Price, News & Analysis $5.64 -0.01 (-0.09%) Closing price 09/12/2025 03:59 PM EasternExtended Trading$5.67 +0.02 (+0.37%) As of 09/12/2025 08:00 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Ellington Credit Stock (NYSE:EARN) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Ellington Credit alerts:Sign Up Key Stats Today's Range$5.62▼$5.6850-Day Range$5.60▼$6.0452-Week Range$4.32▼$7.11Volume139,719 shsAverage Volume294,393 shsMarket Capitalization$212.03 millionP/E Ratio31.36Dividend Yield17.01%Price Target$6.13Consensus RatingModerate Buy Company Overview Ellington Credit Income Fund (NYSE: EARN) is a closed-end management investment company that seeks to generate current income through a diversified portfolio of mortgage- and asset-backed securities. The fund primarily invests in residential mortgage-backed securities (RMBS) and asset-backed securities (ABS), with additional exposure to commercial mortgage-backed securities (CMBS) and related structured credit instruments. To enhance income and manage risk, the fund employs leverage and derivative strategies such as interest rate swaps and credit default swaps, allowing it to adjust duration and credit exposure dynamically. The fund is externally managed and advised by Ellington Management Group, LLC, an established investment firm specializing in mortgage credit and structured products. The advisory team applies rigorous credit research and quantitative analysis to identify relative-value opportunities in the U.S. mortgage markets. Portfolio construction emphasizes a risk-adjusted approach, balancing yield enhancement with capital preservation to navigate changing interest rate and credit environments. Since its inception, Ellington Credit Income Fund has focused on U.S. residential and commercial mortgage markets, building a diversified portfolio to mitigate concentration risk. Holdings range from sponsored securitizations and seasoned bonds to bespoke credit structures, with the goal of capturing spread dislocations and credit opportunities. Active management allows the fund to reposition exposures in response to market developments and evolving economic conditions. The fund offers investors a closed-end structure that combines daily liquidity with the potential for market-driven discounts or premiums to net asset value. Its distribution policy targets regular monthly payouts designed to meet income objectives, making it a candidate for investors seeking yield-oriented strategies in a low-interest-rate environment without the complexity of directly managing leveraged mortgage positions.AI Generated. May Contain Errors. Read More Ellington Credit Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks52nd Percentile Overall ScoreEARN MarketRank™: Ellington Credit scored higher than 52% of companies evaluated by MarketBeat, and ranked 683rd out of 957 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.1 / 5Analyst RatingModerate Buy Consensus RatingEllington Credit has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.Upside/DownsideThe consensus price target for Ellington Credit is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageEllington Credit has only been the subject of 1 research reports in the past 90 days.Read more about Ellington Credit's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth-3.42% Earnings GrowthEarnings for Ellington Credit are expected to decrease by -3.42% in the coming year, from $1.17 to $1.13 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Ellington Credit is 31.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.89.Price to Earnings Ratio vs. SectorThe P/E ratio of Ellington Credit is 31.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.73.Price to Book Value per Share RatioEllington Credit has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Ellington Credit's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.83% of the float of Ellington Credit has been sold short.Short Interest Ratio / Days to CoverEllington Credit has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Ellington Credit has recently increased by 28.45%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend LeadershipEllington Credit is a leading dividend payer. It pays a dividend yield of 16.99%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthEllington Credit does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Ellington Credit is 533.33%. Payout ratios above 75% are not desirable because they may not be sustainable.Dividend SustainabilityBased on EPS estimates, Ellington Credit will have a dividend payout ratio of 84.96% in the coming year. This indicates that Ellington Credit may not be able to sustain their current dividend.Read more about Ellington Credit's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.83% of the float of Ellington Credit has been sold short.Short Interest Ratio / Days to CoverEllington Credit has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Ellington Credit has recently increased by 28.45%, indicating that investor sentiment is decreasing significantly. News and Social Media2.8 / 5News Sentiment1.11 News SentimentEllington Credit has a news sentiment score of 1.11. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 10 news articles for Ellington Credit this week, compared to 3 articles on an average week.Search Interest32 people have searched for EARN on MarketBeat in the last 30 days. This is an increase of 146% compared to the previous 30 days.MarketBeat FollowsOnly 3 people have added Ellington Credit to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days. Company Ownership1.7 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Ellington Credit insiders have bought more of their company's stock than they have sold. Specifically, they have bought $22,480.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 1.40% of the stock of Ellington Credit is held by insiders.Percentage Held by InstitutionsOnly 20.40% of the stock of Ellington Credit is held by institutions.Read more about Ellington Credit's insider trading history. Receive EARN Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Ellington Credit and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. 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EARN Stock News HeadlinesEllington Credit (NYSE:EARN) Portfolio Manager Acquires $22,480.00 in StockSeptember 10 at 7:28 AM | insidertrades.comEllington Credit (NYSE:EARN) Upgraded at Wall Street ZenSeptember 13 at 2:27 AM | americanbankingnews.com2013 Bitcoin miner reveals his trading system (free)While everyone else is gambling on meme coins or chasing the next "100x moonshot," our members are systematically extracting profits from the $4 billion that changes hands in crypto every single day.September 13 at 2:00 AM | Crypto Swap Profits (Ad)EARN: Attractive Double-Digit Yield And Unique European CLO ExposureSeptember 11 at 10:05 AM | seekingalpha.comEllington Credit Declares Monthly Common DividendSeptember 8, 2025 | businesswire.comEllington Credit Company (NYSE:EARN) Q2 2025 Earnings Call TranscriptAugust 21, 2025 | msn.comEllington Credit: High Yield, Speculative CLO FundAugust 21, 2025 | seekingalpha.comEllington Credit Company (EARN) Q2 2025 Earnings Call TranscriptAugust 20, 2025 | seekingalpha.comSee More Headlines EARN Stock Analysis - Frequently Asked Questions How have EARN shares performed this year? Ellington Credit's stock was trading at $6.62 on January 1st, 2025. Since then, EARN stock has decreased by 14.7% and is now trading at $5.6450. How were Ellington Credit's earnings last quarter? Ellington Credit Company (NYSE:EARN) posted its quarterly earnings results on Tuesday, August, 19th. The real estate investment trust reported $0.18 EPS for the quarter, missing the consensus estimate of $0.20 by $0.02. The real estate investment trust had revenue of $9.87 million for the quarter, compared to analysts' expectations of $12.15 million. Ellington Credit had a net margin of 19.24% and a trailing twelve-month return on equity of 15.90%. Read the conference call transcript. Who are Ellington Credit's major shareholders? Top institutional shareholders of Ellington Credit include Delphi Financial Group Inc. (1.62%), Clear Harbor Asset Management LLC (0.93%), Jane Street Group LLC (0.36%) and Osaic Holdings Inc. (0.28%). View institutional ownership trends. How do I buy shares of Ellington Credit? Shares of EARN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Ellington Credit own? Based on aggregate information from My MarketBeat watchlists, some other companies that Ellington Credit investors own include AGNC Investment (AGNC), Energy Transfer (ET), Oxford Lane Capital (OXLC), Orchid Island Capital (ORC), Ellington Financial (EFC), Cornerstone Total Return Fund (CRF) and Cornerstone Strategic Investment Fund (CLM). Company Calendar Last Earnings8/19/2025Record date for 9/30 Dividend8/29/2025Ex-Dividend for 9/30 Dividend8/29/2025Today9/13/2025Record date for 10/31 Dividend9/30/2025Ex-Dividend for 10/31 Dividend9/30/2025Dividend Payable9/30/2025Dividend Payable10/31/2025Next Earnings (Estimated)11/11/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry REIT - MTGE TRUST Sub-IndustryTrading Current SymbolNYSE:EARN CIK1560672 Webwww.earnreit.com Phone(203) 698-1200FaxN/AEmployees170Year Founded2012Price Target and Rating Average Price Target for Ellington Credit$6.13 High Price Target$6.50 Low Price Target$5.75 Potential Upside/Downside+8.5%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$0.18 Trailing P/E Ratio31.36 Forward P/E Ratio4.82 P/E GrowthN/ANet Income$6.59 million Net Margins19.24% Pretax Margin14.23% Return on Equity15.90% Return on Assets3.89% Debt Debt-to-Equity RatioN/A Current Ratio0.14 Quick Ratio0.14 Sales & Book Value Annual Sales$15.07 million Price / Sales14.07 Cash Flow$1.08 per share Price / Cash Flow5.23 Book Value$6.64 per share Price / Book0.85Miscellaneous Outstanding Shares37,560,000Free Float37,033,000Market Cap$212.03 million OptionableOptionable Beta1.31 The Best High-Yield Dividend Stocks for 2025Discover the 10 Best High-Yield Dividend Stocks for 2025 and secure reliable income in uncertain markets. Download the report now to identify top dividend payers and avoid common yield traps.Get This Free Report This page (NYSE:EARN) was last updated on 9/13/2025 by MarketBeat.com Staff From Our PartnersWhy Trump’s “Smart Dollar” could rewrite the rulesMUST SEE: Donald Trump's Radical Overhaul of the U.S. Dollar Congress just approved President Trump's lates...Stansberry Research | SponsoredTrump's Law S.1582: $21T Dollar Revolution ComingDo you have money in any of these banks? Chase. Bank of America. Citigroup. Wells Fargo. U.S. Bancorp. I...Brownstone Research | SponsoredOctober 16 Changes the Microchip Game — and InvestingWhile everyone's chasing the same AI plays, George Gilder is focused on something completely different. He ...Banyan Hill Publishing | SponsoredRetire Comfortably with These New Monthly Income ETFs?Too many retirees lie awake at night, worried their savings won’t last. 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