Also trades as: EFC (NYSE) · $vol 16M · EFC-PE (NYSE) · $vol 0M · EFC-PA (NYSE) · $vol 0M · EFC-PB (NYSE) · $vol 0M · EFC-PC (NYSE) · $vol 0M · 0A26.L (LSE) · $vol 0M

$21.77

+0.00 (+0.00%)

Pre-Market: $21.38 (-0.39, -1.77%)

Weekly Expected Move ±1.7%

$22 $22 $22 $23 $23

NYSE · Real Estate · REIT - Mortgage · Tech Score Sell · Power 36 · $1.3B mcap · 379668 float · 0.180% daily turnover

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions Dark Pool Short Interest Supply Chain

Income Trends

Revenue

$190M -32.7% ▼

5Y CAGR: +43.5%

Gross Profit

$106M -62.3% ▼

5Y CAGR: +80.8%

Operating Income

$93M -19.8% ▼

5Y CAGR: +20.7%

Net Income

$147M +0.7% ▲

EPS (Diluted)

$1.19 -13.1% ▼

EBITDA

$402M +0.0% ▲

5Y CAGR: +61.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$122M	$43M	$252M	$282M	$190M
YoY Growth	+290.2%	-64.6%	+483.6%	+12.1%	-32.7%
Cost of Revenue	$42M	$20M	$0	$0	$84M
Gross Profit	$80M	$24M	$252M	$282M	$106M
Gross Margin	65.3%	54.6%	100.0%	100.0%	56.0%
R&D Expenses	$0	-$0	$0	$0	$0
SG&A Expenses	$21M	$30M	$68M	$66M	$13M
Operating Expenses	$36M	$68M	$257M	$166M	$13M
Operating Income	$137M	$114M	$103M	$116M	$93M
Operating Margin	112.0%	265.3%	41.1%	41.2%	49.1%
Interest Expense	$0	$0	$262M	$280M	$305M
Income Before Tax	$86M	-$25M	$88M	$149M	$98M
Tax Expense	$3M	-$18M	$457K	$612K	$4M
Net Income	$82M	-$7M	$84M	$146M	$147M
Net Margin	67.6%	-16.8%	33.4%	51.7%	77.3%
EPS (Diluted)	$1.68	$-0.12	$0.88	$1.37	$1.19
EBITDA	$137M	-$88M	$379M	$0	$402M
Shares Outstanding	49M	61M	69M	86M	99M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$61M	$66M	$72M	$86M	$77M	$147M	$229M	$175M
Cost of Revenue	$0	$0	$0	$0	$0	$25M	$27M	$34M
Gross Profit	$61M	$66M	$72M	$86M	$77M	$122M	$202M	$141M
Gross Margin	100.0%	100.0%	100.0%	100.0%	100.0%	83.0%	88.2%	80.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$18M	$19M	$17M	$20M	$21M	-$45M	$0	$3M
Operating Expenses	$45M	$46M	$41M	$51M	$51M	$17M	$38M	-$5M
Operating Income	$16M	$20M	$31M	$35M	$26M	$105M	$164M	$146M
Operating Margin	26.3%	30.5%	42.8%	41.1%	33.6%	71.1%	71.7%	83.3%
Interest Expense	$74M	$69M	$73M	$72M	$73M	$87M	$88M	$99M
Income Before Tax	$23M	$31M	$39M	$53M	$39M	$24M	$108M	$58M
Tax Expense	$12K	$398K	-$96K	$1M	$1M	$1M	$966K	$52K
Net Income	$23M	$30M	$39M	$50M	$37M	$22M	$105M	$59M
Net Margin	37.8%	45.6%	53.5%	57.9%	47.8%	14.7%	46.0%	33.5%
EPS (Diluted)	$0.19	$0.26	$0.45	$0.45	$0.29	$0.14	$0.78	$0.43
EBITDA	$0	$0	$0	$0	$0	$123M	$197M	$157M
Shares Outstanding	86M	86M	86M	96M	102M	99M	122M	126M

EFC-PD NYSE

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet