NYSE:EARN Ellington Credit (EARN) Stock Price, News & Analysis $5.12 -0.06 (-1.06%) Closing price 10/9/2025 03:59 PM EasternExtended Trading$5.16 +0.03 (+0.59%) As of 06:00 AM 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) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Ellington Credit alerts:Sign Up Key Stats Today's Range$5.11▼$5.1850-Day Range$5.13▼$5.8852-Week Range$4.32▼$7.11Volume323,330 shsAverage Volume294,111 shsMarket Capitalization$192.50 millionP/E Ratio28.47Dividend Yield18.73%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™ Stocks76th Percentile Overall ScoreEARN MarketRank™: Ellington Credit scored higher than 76% of companies evaluated by MarketBeat, and ranked 380th out of 928 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.0 / 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 PotentialEllington Credit has a consensus price target of $6.13, representing about 19.5% upside from its current price of $5.13.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 28.47, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.29.Price to Earnings Ratio vs. SectorThe P/E ratio of Ellington Credit is 28.47, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.23.Price to Book Value per Share RatioEllington Credit has a P/B Ratio of 0.77. 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 Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.55% of the outstanding shares of Ellington Credit have been sold short.Short Interest Ratio / Days to CoverEllington Credit has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Ellington Credit has recently decreased by 32.51%, indicating that investor sentiment is improving significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend LeadershipEllington Credit is a leading dividend payer. It pays a dividend yield of 18.53%, 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 Shorted0.55% of the outstanding shares of Ellington Credit have been sold short.Short Interest Ratio / Days to CoverEllington Credit has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Ellington Credit has recently decreased by 32.51%, indicating that investor sentiment is improving significantly. News and Social Media3.5 / 5News Sentiment1.32 News SentimentEllington Credit has a news sentiment score of 1.32. 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 is a higher news sentiment than the 0.83 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for Ellington Credit this week, compared to 3 articles on an average week.Search InterestOnly 28 people have searched for EARN on MarketBeat in the last 30 days. This is a decrease of -3% compared to the previous 30 days.MarketBeat Follows5 people have added Ellington Credit to their MarketBeat watchlist in the last 30 days. This is an increase of 150% 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 $38,350.00 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. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. EARN Stock News HeadlinesEllington Credit (NYSE:EARN) Portfolio Manager Acquires $22,480.00 in StockSeptember 10, 2025 | insidertrades.comEllington Residential Declares October 2025 DividendOctober 7 at 4:51 PM | tipranks.comForget AI, This Will Be the Next Big Tech BreakthroughAfter picking Nvidia in 2016, before it jumped 27,000%... Jeff Brown is back with what he believes will be the biggest paradigm shift ever. Yes, even bigger than AI. And he found one Seattle company that's at the center of this new $100 trillion revolution. Click here to get the name of this company, completely free of charge... | Brownstone Research (Ad)Ellington Credit Declares Monthly Common DividendOctober 7 at 4:13 PM | businesswire.comEARN: Attractive Double-Digit Yield And Unique European CLO ExposureSeptember 11, 2025 | 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.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 at the beginning of 2025. Since then, EARN shares have decreased by 22.6% and is now trading at $5.1250. How were Ellington Credit's earnings last quarter? Ellington Credit Company (NYSE:EARN) issued its quarterly earnings results on Tuesday, August, 19th. The real estate investment trust reported $0.18 EPS for the quarter, missing analysts' consensus estimates of $0.20 by $0.02. The real estate investment trust earned $9.87 million during the quarter, compared to analyst estimates of $12.15 million. Ellington Credit had a trailing twelve-month return on equity of 15.90% and a net margin of 19.24%. Read the conference call transcript. 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 10/31 Dividend9/30/2025Ex-Dividend for 10/31 Dividend9/30/2025Today10/10/2025Record date for 11/28 Dividend10/31/2025Ex-Dividend for 11/28 Dividend10/31/2025Dividend Payable10/31/2025Next Earnings (Estimated)11/11/2025Dividend Payable11/28/2025Fiscal 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+19.5%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$0.18 Trailing P/E Ratio28.47 Forward P/E Ratio4.38 P/E GrowthN/ANet Income$6.59 million Net Margins19.24% Pretax MarginN/A Return on Equity15.90% Return on Assets3.89% Debt Debt-to-Equity RatioN/A Current RatioN/A Quick RatioN/A Sales & Book Value Annual Sales$15.07 million Price / Sales12.77 Cash Flow$1.07 per share Price / Cash Flow4.79 Book Value$6.64 per share Price / Book0.77Miscellaneous Outstanding Shares37,560,000Free Float37,033,000Market Cap$192.50 million OptionableOptionable Beta1.33 7 Stocks That Could Be Bigger Than Tesla, Nvidia, and GoogleLooking for the next FAANG stock before everyone has heard about it? Enter your email address to see which stocks MarketBeat analysts think might become the next trillion dollar tech company.Get This Free Report This page (NYSE:EARN) was last updated on 10/10/2025 by MarketBeat.com Staff From Our PartnersREVEALED: Something Big Happening Behind White House DoorsWhat I just learned about what’s unfolding in the White House is truly stunning… And you need to see it for...Paradigm Press | Sponsored1 Hour Once A DayMy top income trading expert, Dave Aquino, just released a 1-hour trading strategy designed specifically to he...Base Camp Trading | SponsoredBuy UBER immediatelyBULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...Chaikin Analytics | SponsoredURGENT: The Market's 3 Red Flags Are FlashingHere’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...StockEarnings | SponsoredINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredAn $8 trillion-dollar discovery 17,000 ft underwater A strange rock pulled from the ocean floor may hold the key to a $16 trillion resource boom. 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