EFC Total Return Analyzer

Ellington Financial Inc. — See your real returns after distributions and NAV changes. Real yield: 12.2% (headline: 11.5%).

Price$13.60

Headline Yield11.5%

Real Yield12.2%

NAV Change (1Y)+6.8%

EFC Total Return Analyzer

Investment Amount

Purchase Date

Reinvest?

Your REAL Return

+18.3%

+$1,834.50

Distributions Received

$1,217.80

12 payments

NAV Change

+6.2%

+$616.71

Current Value

$11.8K

780.64 shares @ $13.60

Yield Reality Check

Headline yield vs actual yield after NAV change

Headline

12.4%

→

Real

13.2%

Distributions vs NAV — EFC

Blue = share value, green bars = cumulative distributions, green line = total value, dashed = original investment.

Annualized total return: +18.3% over 12 months

EFC DRIP calculator

Compound EFC's 12.2% real yield

Pre-filled with live EFC data. Model 1, 5, or 10-year DRIP returns with after-tax math, adjustable yield assumptions, and Bull/Base/Bear scenarios.

Open calculator

EFC Dividend History →Compare EFC →Browse all dividend tickers →Why is EFC moving? →

What does the EFC total return include?

EFC total return combines two components: the cumulative distributions you received from EFC over the holding period, and the change in NAV (share price) across the same window. Many high-yield funds advertise distribution rates that look spectacular in isolation but mask meaningful NAV erosion. The analyzer above shows exactly how much of your EFC return came from distributions versus price change — a 50% annualized distribution rate paired with a 30% NAV decline is a very different investment than a 50% distribution with flat NAV.

Ellington Financial Inc. (EFC) is issued by Ellington. Diversified mortgage REIT investing in MBS and consumer/commercial loans. Monthly dividends. That strategy directly shapes the gap between headline yield and real yield: option-premium and covered-call funds tend to show large gaps, while traditional dividend ETFs and index funds usually show small ones.

For the detail behind each payment, see the EFC dividend history. To project how future EFC distributions compound under DRIP, open the EFC dividend calculator.