MFAO
Real EstateMFA Financial, Inc. 9.000% Senior Notes · REIT - Mortgage · $3B
What is MFA Financial, Inc. 9.000% Senior Notes?
MFAO represents MFA Financial's 9.000% Senior Notes, a fixed-income instrument issued by a New York-based residential mortgage REIT.
MFA Financial invests in residential mortgage assets including agency and non-agency mortgage-backed securities and whole loans. Its Lima One segment handles mortgage origination and servicing. The Senior Notes are a debt obligation of this leveraged real estate investment trust.
Is MFAO a Good Stock to Buy?
UQS Score rates MFAO as Below Average overall, reflecting notable risk and moat concerns.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
MFAO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 40.3 | 76.6 | 10.0 | 34.2 | 36.4 | 42.4 | -0.3 |
| May 15, 2026 | 40.6 | 76.6 | 10.0 | 34.2 | 36.4 | 44.0 | 0.0 |
| May 14, 2026 | 40.6 | 76.6 | 10.0 | 34.2 | 36.4 | 44.1 | +5.8 |
| May 9, 2026 | 34.8 | 76.6 | 10.0 | 34.2 | 0.0 | 42.3 | -2.2 |
| May 7, 2026 | 37.0 | 84.9 | 10.0 | 34.4 | 0.0 | 42.7 | 0.0 |
| May 6, 2026 | 37.0 | 84.9 | 10.0 | 34.4 | 0.0 | 42.9 | +0.1 |
| May 3, 2026 | 36.9 | 84.9 | 10.0 | 34.2 | 0.0 | 42.6 | +0.1 |
| Apr 22, 2026 | 36.8 | 84.9 | 10.0 | 34.2 | 0.0 | 41.5 | -1.7 |
| Apr 19, 2026 | 38.5 | 84.9 | 10.0 | 42.8 | 0.0 | 41.5 | -0.2 |
| Apr 18, 2026 | 38.7 | 85.4 | 10.0 | 42.8 | 0.0 | 41.9 | -2.3 |
MFAO — Pillar Breakdown
Quality
— 76.6/100 (25%)MFA Financial, Inc. 9.000% Senior Notes demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 34.2/100 (20%)MFA Financial, Inc. 9.000% Senior Notes faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)MFA Financial, Inc. 9.000% Senior Notes has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 42.4/100 (15%)MFA Financial, Inc. 9.000% Senior Notes has a mixed valuation — some metrics suggest fair value while others appear stretched.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 10/100 (25%)MFA Financial, Inc. 9.000% Senior Notes operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MFAO.
Score Composition
Financial Data
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How is the MFAO UQS Score Calculated?
The UQS (Unified Quality Score) for MFA Financial, Inc. 9.000% Senior Notes is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses MFA Financial, Inc. 9.000% Senior Notes's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether MFA Financial, Inc. 9.000% Senior Notes is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.