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EIC

BEARISH
$9.97 Live
Eagle Point Income Company Inc. · NYSE
Target $12.12 (+21.6%)
$9.17 52W Range $14.8

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 26, 2026
Market cap
$233.63M
P/E
N/A
ROE
-0.4%
Profit margin
-1.9%
Debt/Equity
0.46
Dividend yield
13.24%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
EIC exhibits significant fundamental weakness, highlighted by a weak Piotroski F-Score of 3/9 and a bearish technical trend of 0/100. While the stock trades at a discount to book value (P/B 0.75), this is offset by a highly unsustainable dividend payout ratio of 182.03% and negative year-over-year EPS growth of -22.2%. The company is currently operating with a negative profit margin and a consistent track record of missing earnings estimates, suggesting a 'value trap' scenario where low valuation metrics mask deteriorating core performance.

Key Strengths

Trading below book value (P/B 0.75)
Strong short-term liquidity (Current Ratio 4.87)
Manageable leverage (Debt/Equity 0.46)
Positive revenue growth (6.00% YoY)
High nominal dividend yield (13.24%)

Key Risks

Unsustainable dividend payout ratio (182.03%)
Negative net profit margin (-1.93%)
Significant earnings deterioration (-22.2% YoY EPS growth)
Poor earnings quality (Piotroski F-Score 3/9)
Strong bearish technical momentum (0/100 trend score)
AI Fair Value Estimate
Based on comprehensive analysis
$11.2
+12.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
29
Weak
Value
55
Future
20
Past
30
Health
25
Dividend
15
AI Verdict
High Risk / Value Trap
Key drivers: Unsustainable dividend payout, Weak Piotroski health score, Negative earnings growth, Bearish technicals
Confidence
90%
Value
55/100

Trades at a discount to book, but low P/E is misleading due to negative current earnings.

Positives
  • P/B of 0.75
  • Forward P/E of 7.30
Watchpoints
  • Negative profit margins
  • Lack of intrinsic value growth
Future
20/100

Earnings trajectory is sharply declining.

Positives
  • Slight revenue growth
Watchpoints
  • EPS growth -22.2%
  • Consistent earnings misses (1/4 beats)
Past
30/100

Recent price performance shows a strong downward trend.

Positives
  • Positive 5Y change
Watchpoints
  • 1Y return -21.2%
  • 6M return -18.9%
Health
25/100

Strong balance sheet liquidity is offset by poor operational health (F-Score).

Positives
  • Low Debt/Equity
  • High Current Ratio
Watchpoints
  • Piotroski F-Score 3/9 (Weak)
Dividend
15/100

Dividend is not covered by earnings, posing a high risk of a cut.

Positives
  • High yield (13.24%)
Watchpoints
  • Payout ratio 182.03%
  • Dividend strength score 40/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$9.97
Analyst Target
$12.12
Upside/Downside
+21.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for EIC and closest competitors.

Updated 2026-04-24
EIC
Eagle Point Income Company Inc.
Primary
5Y
+16.9%
3Y
+2.4%
1Y
-21.2%
6M
-18.9%
1M
+5.8%
1W
+0.9%
NKS
National Bankshares, Inc.
Peer
5Y
+32.9%
3Y
+33.0%
1Y
+57.3%
6M
+27.1%
1M
-1.9%
1W
+1.0%
AIF
AIFU Inc.
Peer
5Y
-99.3%
3Y
-98.8%
1Y
-75.2%
6M
-67.8%
1M
+11.1%
1W
+4.6%
HWB
Hawthorn Bancshares, Inc.
Peer
5Y
+95.2%
3Y
+65.3%
1Y
+20.3%
6M
+14.9%
1M
-1.5%
1W
-2.5%
CBN
Chain Bridge Bancorp, Inc.
Peer
5Y
+65.6%
3Y
+65.6%
1Y
+44.0%
6M
+12.6%
1M
-0.8%
1W
-2.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
7.3
PEG Ratio
N/A
P/B Ratio
0.75
P/S Ratio
3.89
EV/Revenue
6.17
EV/EBITDA
N/A
Market Cap
$233.63M

Profitability

Profit margins and return metrics

Profit Margin -1.93%
Operating Margin 83.6%
Gross Margin 100.0%
ROE -0.37%
ROA 6.79%

Growth

Revenue and earnings growth rates

Revenue Growth +6.0%
Earnings Growth N/A
Q/Q Revenue Growth N/A
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.46
Low debt
Current Ratio
4.87
Strong
Quick Ratio
4.75
Excellent
Cash/Share
$0.23

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q2 2025

Revenue
$0.0B
Net Margin
92.6%
Total Assets
$0.5B
Liabilities
$0.2B
Equity
$0.4B
Debt/Equity
0.45x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-02-26
$0.35
2025-11-13
$0.4
+5.3% surprise
2025-08-12
$0.36
-37.6% surprise
2025-05-28
$0.4
-23.1% surprise

Financial Services Sector Comparison

Comparing EIC against 697 companies in the Financial Services sector (120 bullish, 285 neutral, 292 bearish)
Return on Equity (ROE)
-0.37%
This Stock
vs
-2.77%
Sector Avg
-86.7% (Below Avg)
Profit Margin
-1.93%
This Stock
vs
60.34%
Sector Avg
-103.2% (Weaker)
Debt to Equity
0.46
This Stock
vs
1.43
Sector Avg
-67.9% (Less Debt)
Revenue Growth
6.0%
This Stock
vs
39.95%
Sector Avg
-85.0% (Slower)
Current Ratio
4.87
This Stock
vs
3.42
Sector Avg
+42.2% (Stronger)

Similar Companies

Peer comparison within the same industry

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
2 analysts
B. Riley Securities
2026-03-16
Maintains
Buy Buy
Ladenburg Thalmann
2026-02-27
down
Buy Neutral
B. Riley Securities
2025-11-20
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning EIC from our newsroom.

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