AG Mortgage Investment Trust, Inc. (MITT) AI Stock Analysis

AG Mortgage Investment Trust, Inc. is a residential mortgage real estate investment trust founded in 2011 and based in New York. The company manages a diversified portfolio that includes non-qualifying mortgage loans, government-sponsored entity non-owner occupied loans, re/non-performing loans, land-related financing, and agency residential mortgage-backed securities, alongside commercial investments. Operating as a REIT, it distributes at least 90% of its taxable income to shareholders annually to maintain exemption from federal corporate income taxes, focusing on portfolio diversification and risk management.

Between FY2021 and FY2025, revenue expanded from $99.8M to $472.7M, including 50.4% growth in FY2024 and 14.4% in FY2025. Gross margin was 94.7% in FY2025, with an operating margin of 96.9%. Annual net income shifted from a loss of -$53.1M in FY2022 to profits of $53.8M in FY2023, $55.7M in FY2024, and $48.7M in FY2025, producing FY2025 EPS of $0.86. Free cash flow was $59.6M in FY2025. For the trailing twelve months ending June 30, 2026, revenue stood at $81.9M with a profit margin of 53.7%, while latest quarterly revenue grew 53.7% year-over-year and quarterly earnings declined 15.5%.

As of June 30, 2026, cash and short-term investments totaled $61.6M against total debt of $7.34B, leaving net debt at $7.28B. Total assets were $7.94B, and shareholders' equity was $546.0M, resulting in a debt-to-equity ratio of 13.45 and a current ratio of 0.64. In FY2025, the company generated $59.6M in operating cash flow and used $45.7M for dividends paid, while its share count increased 66.5% over five years.

MITT trades at a trailing P/E of 7.2x and a forward P/E of 6.4x, both below the median of its US-listed Real Estate peers (21.6x trailing and 23.5x forward). Its EV/EBITDA stands at 7.0x compared to the peer median of 14.7x, and its price-to-book ratio is 0.6x. Over the past year, the stock fell 13.4%, trailing the S&P 500 (SPY) return of 16.8%, and is down 30.2% year-to-date.

MITT pays a quarterly dividend with an annualized forward payout of $0.96 per share, representing a dividend yield of 17.91%. Its payout ratio is 96.9%. The company has paid dividends for 16 consecutive years, posting a 5-year annualized dividend growth rate of 56.7%, with its last ex-dividend date on September 30, 2026.

Wall Street analysts hold 3 Strong Buy, 2 Buy, and 1 Hold ratings on the stock. The mean price target is $8.58, representing 60.1% upside compared to the last close of $5.36. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $83.9M and EPS of $1.05, representing 21.7% EPS growth. MITT beat EPS estimates in 3 of the last 4 quarters, with the next earnings release scheduled for November 3, 2026.

This page is an AI-written research summary of AG Mortgage Investment Trust, Inc. (MITT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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