EARN Company Profile and Key Details

Short-term trend indicators are bullishly aligned (SMA20 -3.15%, SMA50 -5.2%, SMA200 -8.17%). The stock’s 14-day RSI is 36.57 (weak momentum), while the ATR of 0.12 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -23.25% below its high and over 16.76% above its low. Average 10-day trading volume of 333.95 thousand shares is below the 3-month average of 412.64 thousand, indicating normal recent market interest.

Ellington Credit Company has 37.56 million shares outstanding. The public float is 37.05 million shares, elevated short interest at 0.64% of float. This equals 238.32 thousand shares. The short ratio is 0.61 days. Institutional investors hold 13.35% of the float. Insiders own 1.36%. Blackstone Holdings III L.P. holds 628.58 thousand shares, Penn Laurence has 35.71 thousand shares and Vranos Michael W has 33.14 thousand shares.

Ellington Credit Company generated EPS of -$0.12 over the past year. Five-year average earnings growth is -31.0%. Wall Street analysts project EPS growth of -4.88% annually over the next five years. The latest quarter delivered EPS of $0.19. The next quarter is forecast at $0.25. Next year's EPS is expected at $11.74. Analyst sentiment is neutral. Analyst rating data shows there are 1 Strong Buy ratings, 0 Buy ratings, 2 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $6.00 to $5.25. The high target offers 37.61% upside. The low target suggests 20.41% downside. The mean target is $5.67. This offers 30.05% upside. Ellington Credit Company earnings surprise history is a mixed track record. The quarter that ended May 19, 2026, missed forecasts by -13.64%. The prior quarter beat by -12.5%. Over the last six quarters, Apple has recorded several small beats. These include 3.7% in November 12, 2024.

Ellington Credit Company last paid a dividend of 0.96 per share, this equals a trailing yield of roughly 14.61%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around -$4.12. This means the shares are trading below this model’s fair value.

Ellington Credit Company (NYSE:EARN) closed at $4.36 USD, losing -$0.13 (-2.90%) from the previous close of $4.49. The stock is currently within 5% of its 52-week low $4.27 and $6.08. With a market capitalization of about $163.80 million, Ellington Credit Company is classified as a micro-cap and shows market-like volatility (beta ~1.26). Key stats such as the average daily volume over the past year has been around 401.45 thousand shares, trading with heavier-than-usual volume. Headquartered in Old Greenwich, CT, Ellington Credit Company operates in the Financial Services sector and the Asset Management industry. Led by CEO Laurence Eric Penn, the company employs approximately 150 people and listed since May 01, 2013. Ellington Residential Mortgage REIT functions as a real estate investment trust (REIT), with its core business focused on the acquisition, investment, and oversight of assets tied to residential mortgages and real estate.

Our AI price prediction model suggests that Ellington Credit Company stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 0.46%, with price expected at $4.38 by June 30, 2026, within a range of $4.30 to $4.47 3-Month Outlook: Projected rise of 20.41%, reaching $5.25 by September 14, 2026, with a range of $5.14 to $5.34. 1-Year Outlook: Projected gain of 157.34%, with price at $11.22 by June 16, 2027, within a range of $4.91 to $15.19.

Ellington Credit Company (NYSE:EARN) shares are flat 6.45% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Ellington Credit Company trading at a premium to the broader market with a P/E of -4.24. Analyst sentiment is bullish, with the majority of ratings in Overweight territory and a mean price target of $9.62, suggesting 120.64% upside. Our AI forecast model points to short-term strength (0.46% over two weeks), a medium-term rise (20.41% over three months), and a longer-term gain (157.34% over one year), with expected trading ranges indicating moderate volatility.

Ellington Credit Company trades at a P/E ratio of -4.24, slightly below the S&P 500 average, with a price-to-sales ratio of 3.05 and a price-to-book ratio of 1.07 suggesting the stock is closer to book value. The P/FCF stands at 12.1, also below market averages.