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Ellington Credit Co is focused on corporate collateralized loan obligations (CLOs). It focuses on acquiring, investing in, and managing secondary CLO mezzanine debt and equity tranches. The company relies on risk management, including disciplined liquidity management and selective use of credit hedges, to preserve book value during times. The company primary investment objectives are to generate attractive current yields and risk-adjusted total returns for shareholders. It invest in multiple parts of the CLO capital structure, principally mezzanine debt and equity tranches. Rather than focusing only on short-term current yield, it select investments that it believe will provide a strong total return to drive a sustainable earnings stream over a long-term horizon.

Founded: 2012 Country:
United States
United States
Employees: N/A City: OLD GREENWICH
Market Cap: 200.3M IPO Year: 2012
Target Price: $5.88 AVG Volume (30 days): 539.7K
Analyst Decision: Buy Number of Analysts: 2
Dividend Yield:
19.32%
Dividend Payout Frequency: quarterly
EPS: -0.23 EPS Growth: N/A
52 Week Low/High: $4.33 - $6.46 Next Earning Date: N/A
Revenue: N/A Revenue Growth: N/A
Revenue Growth (this year): 8.43% Revenue Growth (next year): 24.47%
P/E Ratio: -21.59 Index: N/A
Free Cash Flow: N/A FCF Growth: N/A

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Earnings Transcripts

SEC 8-K filings with transcript text

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2025
Q3

Q3 2025 Earnings

8-K BUY

Nov 19, 2025 · 100% conf.

AI Prediction BUY

1D

+1.30%

$5.17

5D

+4.02%

$5.30

20D

+4.20%

$5.31

Price: $5.10 Prob +5D: 100% AUC: 1.000
0001628280-25-053254

earn-202511190001560672false00015606722025-11-192025-11-19

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): November 19, 2025

Ellington Credit Company (Exact name of registrant specified in its charter)

Delaware001-3589646-0687599 (State or Other Jurisdiction Of Incorporation)(Commission File Number)(IRS Employer Identification No.)

53 Forest Avenue Old Greenwich, CT 06870 (Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered Common Shares of Beneficial Interest, no par valueEARN The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company    ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02    Results of Operations and Financial Condition. The information in this Item 2.02 and the disclosure incorporated by reference in Item 7.01 with respect to Exhibit 99.1 attached to this Current Report on Form 8-K are being furnished by Ellington Credit Company (the "Company") pursuant to Item 7.01 of Form 8-K in satisfaction of the public disclosure requirements of Regulation FD and Item 2.02 of Form 8-K, insofar as they disclose historical information regarding the Company’s results of operations or financial condition for the quarter ended September 30, 2025. On November 19, 2025, the Company issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. In accordance with General Instructions B.2 and B.6 of Form 8-K, the information included in Item 2.02 and the disclosure incorporated by reference in Item 7.01 shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing made by the Company under the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such a filing. Item 7.01    Regulation FD Disclosure. The disclosure contained in Item 2.02 is incorporated herein by reference. Item 9.01    Financial Statements and Exhibits. (d) Exhibits. The following exhibits are being furnished herewith this Current Report on Form 8-K. 99.1    Press Release dated November 19, 2025 104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ELLINGTON CREDIT COMPANY

Dated:November 19, 2025By:/s/ Christopher Smernoff Christopher Smernoff Chief Financial Officer

2025
Q2

Q2 2025 Earnings

8-K

Aug 19, 2025

0001560672-25-000082

earn-202508190001560672false00015606722025-08-192025-08-19

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): August 19, 2025

Ellington Credit Company (Exact name of registrant specified in its charter)

Delaware001-3589646-0687599 (State or Other Jurisdiction Of Incorporation)(Commission File Number)(IRS Employer Identification No.)

53 Forest Avenue Old Greenwich, CT 06870 (Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered Common Shares of Beneficial Interest, $0.01 par value per shareEARN The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company    ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02    Results of Operations and Financial Condition. The information in this Item 2.02 and the disclosure incorporated by reference in Item 7.01 with respect to Exhibit 99.1 attached to this Current Report on Form 8-K are being furnished by Ellington Credit Company (the "Company") pursuant to Item 7.01 of Form 8-K in satisfaction of the public disclosure requirements of Regulation FD and Item 2.02 of Form 8-K, insofar as they disclose historical information regarding the Company’s results of operations or financial condition for the quarter ended June 30, 2025. On August 19, 2025, the Company issued a press release announcing its financial results for the quarter ended June 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. In accordance with General Instructions B.2 and B.6 of Form 8-K, the information included in Item 2.02 and the disclosure incorporated by reference in Item 7.01 shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing made by the Company under the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such a filing. Item 7.01    Regulation FD Disclosure. The disclosure contained in Item 2.02 is incorporated herein by reference. Item 9.01    Financial Statements and Exhibits. (d) Exhibits. The following exhibits are being furnished herewith this Current Report on Form 8-K. 99.1    Press Release dated August 19, 2025 104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ELLINGTON CREDIT COMPANY

Dated:August 19, 2025By:/s/ Christopher Smernoff Christopher Smernoff Chief Financial Officer

2025
Q1

Q1 2025 Earnings

8-K

May 20, 2025

0001560672-25-000058

earn-202505200001560672false00015606722025-05-202025-05-20

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): May 20, 2025

Ellington Credit Company (Exact name of registrant specified in its charter)

Delaware001-3589646-0687599 (State or Other Jurisdiction Of Incorporation)(Commission File Number)(IRS Employer Identification No.)

53 Forest Avenue Old Greenwich, CT 06870 (Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered Common Shares of Beneficial Interest, $0.01 par value per shareEARN The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company    ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02    Results of Operations and Financial Condition. The information in this Item 2.02 and the disclosure incorporated by reference in Item 7.01 with respect to Exhibit 99.1 attached to this Current Report on Form 8-K are being furnished by Ellington Credit Company (the "Company") pursuant to Item 7.01 of Form 8-K in satisfaction of the public disclosure requirements of Regulation FD and Item 2.02 of Form 8-K, insofar as they disclose historical information regarding the Company’s results of operations or financial condition for the three-month period ended March 31, 2025. On May 20, 2025, the Company issued a press release announcing its financial results for the three-month period ended March 31, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. In accordance with General Instructions B.2 and B.6 of Form 8-K, the information included in Item 2.02 and the disclosure incorporated by reference in Item 7.01 shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing made by the Company under the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such a filing. Item 7.01    Regulation FD Disclosure. The disclosure contained in Item 2.02 is incorporated herein by reference. Item 9.01    Financial Statements and Exhibits. (d) Exhibits. The following exhibits are being furnished herewith this Current Report on Form 8-K. 99.1    Earnings Press Release dated May 20, 2025 104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ELLINGTON CREDIT COMPANY

Dated:May 20, 2025By:/s/ Christopher Smernoff Christopher Smernoff Chief Financial Officer

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