EARN (Ellington Credit Co) Moat Score: 2/10 (As of Jul. 16, 2026)

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EARN Ellington Credit Co EARN
36 GF Score
Price $4.41
! 3 Warning Signs
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What is Ellington Credit Co Moat Score?

Ellington Credit Co EARN +0.68% 36 Moat Score is 2 as of Jul. 16, 2026. GuruFocus rates EARN with a GF Score™ of 36/100. The stock has 3 warning signs investors should review. Among 1,694 Asset Management companies, Ellington Credit Co ranks better than 80.11% on this metric.

Ellington Credit Co has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Ellington Credit Co has No Moat: Ellington Credit Co lacks significant competitive advantages, with performance tied to market conditions and no strong brand or cost advantages, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ellington Credit Co might have No Moat - Very weak/transient advantages.

Ellington Credit Co  (NYSE:EARN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ellington Credit Co Moat Score Related Terms

EARN vs VBF, FLC, HGLB: Moat Score Comparison

For the Asset Management subindustry, Ellington Credit Co's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Ellington Credit Co Moat Score vs Asset Management Industry

For the Asset Management industry and Financial Services sector, Ellington Credit Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Ellington Credit Co's Moat Score falls into.


EARN
36GF Score
Ellington Credit Co EARN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Ellington Credit Co (EARN) has a Moat Score of 2 as of Jul. 16, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ellington Credit Co ranks #337 out of 1694 companies in the Asset Management industry, placing it in the top 19.9%.
Is Ellington Credit Co's Moat Score too high?
Ellington Credit Co's current Moat Score is 2. Based on the distribution chart, Ellington Credit Co ranks #337 out of 1694 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, Ellington Credit Co has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Ellington Credit Co's Moat Score compare to VBF and FLC?
According to the Asset Management industry distribution chart, Ellington Credit Co ranks #337 out of 1694 companies for Moat Score. This places Ellington Credit Co in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Asset Management company?
A good Moat Score depends on the Asset Management industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ellington Credit Co's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ellington Credit Co stock overvalued right now?
Ellington Credit Co (EARN) has a current Moat Score of 2. The current Moat Score is 2. Ellington Credit Co's overall GF Score™ is 36/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ellington Credit Co (EARN), the current Moat Score is 2 as of Jul. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Ellington Credit Co Business Description

Address 53 Forest Avenue, Suite 301, Old Greenwich, CT, USA, 06870
Ellington Credit Co The Fund is focused on acquiring and actively managing a portfolio of corporate CLOs, mainly mezzanine debt and equity tranches, which are typically collateralized by portfolios consisting mainly of below-investment-grade senior secured loans with a large number of discrete underlying borrowers across various industry sectors. Additionally, the Fund may also invest in CLO loan accumulation facilities, which are entities that acquire corporate loans and other similar corporate credit-related assets in anticipation of ultimately collateralizing a CLO transaction. The company's primary investment objectives are to generate attractive current income and risk-adjusted total returns for shareholders.
36GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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