COMPARE · Data as of August 28, 2026
EFC vs RITM
Verdict: Side-by-side breakdown using the Bull Rankings model. EFC scored 65.0, RITM scored 59.0 — EFC leads.
Compare another set
Different reporting periods. RITM's fundamentals are as of June 2026, but EFC's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
EFC
Ellington Financial Inc.
77.5Fin
$13.57 · $1.8B
fundamentals as of
Strength gap
3.0
EFC leads
RITM
Rithm Capital Corp.
74.5Fin
$10.08 · $5.6B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- Fastest growthEFC+8.6%
- Strongest balance sheetRITM3.88
Side by side · every name on one set of axes
Fundamentals, head-to-head
EFC
RITM
11.6%C+
Yield
10.0%C+
+8.6%B
Rev
-4.9%D+
9.29D
D/E
3.88C
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
EFCEllington Financial Inc.
Why now
REIT - Mortgage · market cap $1.8b. 4% off the 52-week high of $14.12. 7 sell-side analysts rate this a Buy with a mean 1-yr target of $14.86 (implying +9% upside).
Moat
Net margin 52% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 12% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere.
Risk
D/E 9.29 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Dividend payout 98% of earnings on a 11.6% yield — distribution coverage is thin; one earnings stumble could force a dividend cut.
RITMRithm Capital Corp.
Why now
REIT - Mortgage · market cap $5.6b. Down 21% from 52-week high of $12.74 — deep drawdown territory. 10 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $13.15 (implying +30% upside).
Moat
Moat signals from the quantitative card are modest — profitability and capital efficiency are middle-of-pack. The thesis here depends on softer factors (switching costs, brand, distribution, regulatory protection) not captured by the quality-growth screen.
Risk
D/E 3.88 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Dividend payout 167% of earnings on a 10.0% yield — distribution coverage is thin; one earnings stumble could force a dividend cut. ROE 6% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.