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Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Ellington Credit Co's annualizedNet Interest Income (for Banks) for the quarter that ended in Sep. 2025 was $43.51 Mil. Ellington Credit Co's average earning assets for the quarter that ended in Sep. 2025 was $706.92 Mil. Therefore, Ellington Credit Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2025 was 6.15%.
Ellington Credit Co (NYSE:EARN) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Ellington Credit Co Net Interest Margin (Bank Only) % Related Terms
Ellington Credit Co Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for Ellington Credit Co's Net Interest Margin (Bank Only) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ellington Credit Co Net Interest Margin (Bank Only) % Chart
EARN vs VBF, FLC, HGLB: Net Interest Margin (Bank Only) % Comparison
For the Asset Management subindustry, Ellington Credit Co's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Ellington Credit Co's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Ellington Credit Co's Net Interest Margin (Bank Only) % falls into.
Ellington Credit Co Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Ellington Credit Co's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is two times the semi-annual (Sep. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 6.15% mean?
Ellington Credit Co (EARN) has a Net Interest Margin (Bank Only) % of 6.15% as of Sep. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Ellington Credit Co and its competitors.
Is Ellington Credit Co's Net Interest Margin (Bank Only) % too high?
Ellington Credit Co's current Net Interest Margin (Bank Only) % is 6.15%. 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 Net Interest Margin (Bank Only) % compare to VBF and FLC?
Ellington Credit Co's Net Interest Margin (Bank Only) % of 6.15% can be compared against companies in the Asset Management industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for an Asset Management company?
A good Net Interest Margin (Bank Only) % depends on the Asset Management industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Ellington Credit Co and its competitors. Ellington Credit Co's current Net Interest Margin (Bank Only) % is 6.15%. 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 Net Interest Margin (Bank Only) % of 6.15%. The current Net Interest Margin (Bank Only) % is 6.15%. 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 Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Ellington Credit Co (EARN), the current Net Interest Margin (Bank Only) % is 6.15% as of Sep. 2025. 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 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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