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EARN DRIP Calculator & Dividend Yield 2026
25.81% YieldFinancial ServicesEllington Credit Company · NYSE
Price: $3.72 · Annual div: $0.9600/share · Frequency: monthly · Payout ratio: N/A · Ex-div: 2026-10-30
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EARN Dividend Yield
EARN (Ellington Credit Company) has a dividend yield of 25.81%, based on an annual dividend of $0.9600 per share and a price of $3.72. Over the last 12 months it paid $0.9600 per share — a trailing yield of 25.81%. Dividends are paid monthly.
Yield history: over the last 12 payments, EARN's 12-month yield ranged from 18.01% to 22.27%. Full EARN dividend history ↓
More monthly dividend stocks →More high-yield dividend stocks →
EARN DRIP Rate: How Many Shares Your Dividends Buy
At a 25.81% yield, reinvesting every payout is not a realistic long-term assumption — payouts this high rarely last and the share price usually falls as they are paid, so we don't model DRIP growth for EARN.
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🎯 When EARN pays your bills
Year your monthly dividend income covers each expense (based on current settings)
EARN Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-10-30Latest | 2026-11-30 | $0.0800 | 26.13% | $3.98 |
| 2026-09-30 | 2026-10-30 | $0.0800 | 22.27% | $4.31 |
| 2026-08-31 | 2026-09-30 | $0.0800 | 22.02% | $4.36 |
| 2026-07-31 | 2026-08-31 | $0.0800 | 21.92% | $4.38 |
| 2026-06-30 | 2026-07-31 | $0.0800 | 20.56% | $4.67 |
| 2026-05-29 | 2026-06-30 | $0.0800 | 21.76% | $4.78 |
| 2026-04-30 | 2026-05-29 | $0.0800 | 21.05% | $4.56 |
| 2026-03-31 | 2026-04-30 | $0.0800 | 19.39% | $4.95 |
| 2026-02-27 | 2026-03-31 | $0.0800 | 19.62% | $5.30 |
| 2026-01-30 | 2026-02-27 | $0.0800 | 19.62% | $5.30 |
| 2025-12-31 | 2026-01-30 | $0.0800 | 18.11% | $5.30 |
| 2025-11-28 | 2025-12-31 | $0.0800 | 20.59% | $5.05 |
| 2025-10-31 | 2025-11-28 | $0.0800 | 18.01% | $5.33 |
| 2025-09-30 | 2025-10-31 | $0.0800 | 17.05% | $5.63 |
| 2025-08-29 | 2025-09-30 | $0.0800 | 18.37% | $5.66 |
| 2025-07-31 | 2025-08-29 | $0.0800 | 16.90% | $5.68 |
| 2025-06-30 | 2025-07-31 | $0.0800 | 17.20% | $5.58 |
| 2025-05-30 | 2025-06-30 | $0.0800 | 19.40% | $5.36 |
| 2025-04-30 | 2025-05-27 | $0.0800 | 17.45% | $5.50 |
| 2025-03-31 | 2025-04-25 | $0.0800 | 14.93% | $6.43 |
| 2025-02-28 | 2025-03-25 | $0.0800 | 14.57% | $6.59 |
| 2025-01-31 | 2025-02-25 | $0.0800 | 14.39% | $6.67 |
| 2024-12-31 | 2025-01-27 | $0.0800 | 14.46% | $6.64 |
| 2024-11-29 | 2024-12-26 | $0.0800 | 14.91% | $6.44 |
| 2024-10-31 | 2024-11-25 | $0.0800 | 13.99% | $6.86 |
| 2024-09-30 | 2024-10-25 | $0.0800 | 13.93% | $6.89 |
| 2024-08-30 | 2024-09-25 | $0.0800 | 13.83% | $6.94 |
| 2024-07-31 | 2024-08-26 | $0.0800 | 14.06% | $6.83 |
| 2024-06-28 | 2024-07-25 | $0.0800 | 13.87% | $6.92 |
| 2024-05-31 | 2024-06-25 | $0.0800 | 14.18% | $6.77 |
| 2024-04-29 | 2024-05-28 | $0.0800 | 13.77% | $6.97 |
| 2024-03-27 | 2024-04-25 | $0.0800 | 17.36% | $5.99 |
| 2024-02-28 | 2024-03-25 | $0.0800 | 15.76% | $6.09 |
| 2024-01-30 | 2024-02-26 | $0.0800 | 15.87% | $6.05 |
| 2023-12-28 | 2024-01-25 | $0.0800 | 17.11% | $6.08 |
| 2023-11-29 | 2023-12-26 | $0.0800 | 17.78% | $5.40 |
| 2023-10-30 | 2023-11-27 | $0.0800 | 16.08% | $5.97 |
| 2023-09-28 | 2023-10-25 | $0.0800 | 15.90% | $6.54 |
| 2023-08-30 | 2023-09-25 | $0.0800 | 13.35% | $7.19 |
| 2023-07-28 | 2023-08-25 | $0.0800 | 13.45% | $7.14 |
| 2023-06-29 | 2023-07-25 | $0.0800 | 13.64% | $7.04 |
| 2023-05-30 | 2023-06-26 | $0.0800 | 13.24% | $7.25 |
| 2023-04-27 | 2023-05-25 | $0.0800 | 14.68% | $7.22 |
| 2023-03-30 | 2023-04-25 | $0.0800 | 13.01% | $7.53 |
| 2023-02-27 | 2023-03-27 | $0.0800 | 12.50% | $8.00 |
| 2023-01-30 | 2023-02-27 | $0.0800 | 14.55% | $7.01 |
| 2022-12-29 | 2023-01-25 | $0.0800 | 14.44% | $7.20 |
| 2022-11-29 | 2022-12-27 | $0.0800 | 15.61% | $6.79 |
| 2022-10-28 | 2022-11-25 | $0.0800 | 18.00% | $6.00 |
| 2022-09-29 | 2022-10-25 | $0.0800 | 14.16% | $7.77 |
| 2022-08-30 | 2022-09-26 | $0.0800 | 15.31% | $8.62 |
| 2022-07-28 | 2022-08-25 | $0.0800 | 16.08% | $7.71 |
| 2022-06-29 | 2022-07-25 | $0.0800 | 14.06% | $8.25 |
| 2022-05-27 | 2022-06-27 | $0.0800 | 16.39% | $8.42 |
| 2022-04-28 | 2022-05-25 | $0.1000 | 13.39% | $9.71 |
| 2022-03-30 | 2022-04-25 | $0.1000 | 12.51% | $9.59 |
| 2022-02-25 | 2022-03-25 | $0.1000 | 13.21% | $10.45 |
| 2022-01-28 | 2022-02-25 | $0.1000 | 11.99% | $10.68 |
| 2021-12-29 | 2022-01-25 | $0.1000 | 13.80% | $10.58 |
| 2021-11-29 | 2021-12-27 | $0.1000 | 11.16% | $12.19 |
| 2021-10-28 | 2021-11-26 | $0.1000 | 11.24% | $11.21 |
| 2021-09-29 | 2021-10-25 | $0.3000 | 10.00% | $11.60 |
| 2021-06-29 | 2021-07-26 | $0.3000 | 9.15% | $12.46 |
| 2021-03-30 | 2021-04-26 | $0.2800 | 9.08% | $12.33 |
| 2020-12-30 | 2021-01-25 | $0.2800 | — | — |
| 2020-09-29 | 2020-10-26 | $0.2800 | — | — |
| 2020-06-29 | 2020-07-27 | $0.2800 | — | — |
| 2020-03-30 | 2020-04-27 | $0.2800 | — | — |
| 2019-12-30 | 2020-01-27 | $0.2800 | — | — |
| 2019-09-27 | 2019-10-25 | $0.2800 | — | — |
| 2019-06-27 | 2019-07-25 | $0.2800 | — | — |
| 2019-03-28 | 2019-04-25 | $0.3400 | — | — |
| 2018-12-28 | 2019-01-25 | $0.3400 | — | — |
| 2018-09-27 | 2018-10-25 | $0.3700 | — | — |
| 2018-06-28 | 2018-07-25 | $0.3700 | — | — |
| 2018-03-28 | 2018-04-25 | $0.3700 | — | — |
| 2017-12-28 | 2018-01-25 | $0.3700 | — | — |
| 2017-09-28 | 2017-10-25 | $0.4000 | — | — |
| 2017-06-28 | 2017-07-25 | $0.4000 | — | — |
| 2017-03-29 | 2017-04-25 | $0.4000 | — | — |
About Ellington Credit Company (EARN) — Dividend Analysis 2026
Ellington Residential Mortgage REIT functions as a real estate investment trust (REIT), with its core business focused on the acquisition, investment, and oversight of assets tied to residential mortgages and real estate. The company's holdings primarily include various Residential Mortgage-Backed Securities (RMBS), such as government-backed agency pools and agency Collateralized Mortgage Obligations (CMOs). Additionally, it invests in non-agency RMBS, which encompasses non-agency CMOs ranging from investment-grade to non-investment-grade ratings. Having opted for REIT tax treatment, the company benefits from an exemption from corporate income tax on the segment of its net earnings that are distributed to its investors. Ellington Residential Mortgage REIT was established in 2012 and is headquartered in Old Greenwich, Connecticut.
EARN Dividend & DRIP — Frequently Asked Questions
What is EARN's dividend yield?
EARN (Ellington Credit Company) has a dividend yield of 25.81%, based on an annual dividend of $0.9600 per share and a price of $3.72. Over the last 12 months it paid $0.9600 per share — a trailing yield of 25.81%. Dividends are paid monthly.
How much does $10,000 in EARN pay in dividends?
$10,000 in EARN at a 25.81% yield pays about $2,581 a year ($215 a month) before taxes. Payouts this high rarely last — don't count on this income continuing at today's rate.
What is the DRIP rate for EARN?
At a 25.81% yield, reinvesting every payout is not a realistic long-term assumption — payouts this high rarely last and the share price usually falls as they are paid, so we don't model DRIP growth for EARN.
How do I calculate EARN dividend reinvestment (DRIP) returns?
Enter your starting amount, monthly contribution and time horizon in the EARN DRIP calculator at the top of this page. It reinvests each payout into new shares at the projected price, grows the dividend at the rate you choose and shows yearly income, share count, portfolio value and yield on cost. You can switch DRIP off to compare.
When is EARN's next ex-dividend date?
EARN's next ex-dividend date is 2026-10-30. EARN pays dividends monthly. Buy before the ex-dividend date to receive the next payment.
What is EARN's dividend growth rate?
EARN's dividend changed 0.0% over the last year and -5.3% a year on average over five years.
Similar dividend stocks to EARN
Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 EARN Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold EARN.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 25.81% | 23.01% | $2,581 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 21.94% | 19.14% | $2,194 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 20.65% | 17.85% | $2,065 / yr |
| 🇬🇧 UK ISA | 0% | 25.81% | 23.01% | $2,581 / yr |
| 🇬🇧 UK Taxable | 8.75% | 23.55% | 20.75% | $2,355 / yr |
| 🇨🇦 TFSA | 0% | 25.81% | 23.01% | $2,581 / yr |
| 🇨🇦 CA Taxable | 25% | 19.36% | 16.56% | $1,936 / yr |
| 🇦🇺 Super (pension) | 15% | 21.94% | 19.14% | $2,194 / yr |
| 🇦🇺 AU Taxable | 30% | 18.07% | 15.27% | $1,807 / yr |
| 🇩🇪 DE Taxable | 26.375% | 19.00% | 16.20% | $1,900 / yr |
| 🇫🇷 FR Taxable | 30% | 18.07% | 15.27% | $1,807 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 EARN Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.96/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 EARN Dividend Payment Schedule
EARN pays every month — 12 payments per year.
📊 EARN vs Financial Services Benchmarks
How EARN compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EARN sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ EARN Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2025-12-31 | 2,468 | $5.17 | $12.8K | ||
| F-InKind | 2025-12-31 | 5,235 | $5.17 | $27.1K | ||
| Buy | 2025-09-11 | 10,536 | $5.68 | $59.8K | ||
| Buy | 2025-10-01 | 3,000 | $5.29 | $15.9K | ||
| Buy | 2025-09-05 | 4,000 | $5.62 | $22.5K | ||
| Buy | 2025-04-09 | 8,000 | $4.73 | $37.9K | ||
| F-InKind | 2024-12-31 | 2,845 | $6.83 | $19.4K | ||
| F-InKind | 2024-12-31 | 1,318 | $6.83 | $9.0K | ||
| A-Award | 2024-12-20 | 7,995 | — | — | ||
| A-Award | 2024-12-20 | 24,346 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare EARN with peers: EARN vs EFSI · EARN vs INV · EARN vs MCGA
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the EARN dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Ellington Credit Company (EARN) is currently trading at $3.72, 35% below its 52-week high. The current dividend yield is 25.81% based on an annual payout of $0.9600 per share.
EARN (Ellington Credit Company) — 25.81% Dividend Yield Analysis
Ellington Credit Company (EARN) is a financial services stock currently trading at $3.72 with a dividend yield of 25.81%. It pays an annual dividend of $0.9600 per share. Over the past 5 years, EARN's dividend has declined at an average rate of 5.3% a year.
- Above-average yield (25.81%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest EARN News
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How investors use the EARN dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.