---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-014689"
form_type: "8-K"
ticker: "EARN"
cik: "0001560672"
company_name: "Ellington Credit Co"
filed_at: "2026-03-04T23:59:59+00:00"
generated_at: "2026-05-15T21:40:43.018651+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ellington Credit Q3 FY2025 net loss $21.1M ($0.56/sh); NAV falls to $5.19

## Summary
- GAAP net loss of $21.1M ($0.56 per share); net investment income $7.8M ($0.21 per share).
- NAV per share $5.19 as of Dec 31, 2025, including $0.24 in distributions for the quarter.
- CLO portfolio fair value $369.5M; weighted average GAAP yield 13.7% on total CLO portfolio.
- Management cites CLO equity market challenges and credit spread widening as key headwinds.
- Monthly distributions declared at $0.08 per share through March 31, 2026.

## SEC filing metadata
- accession: 0001628280-26-014689
- form_type: 8-K
- ticker: EARN
- cik: 0001560672
- company_name: Ellington Credit Co
- filed_at: 2026-03-04T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1560672/000162828026014689/0001628280-26-014689-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1560672/000162828026014689/earn-20260304.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-014689
- JSON: https://secwatch.observer/filing/0001628280-26-014689.json
- Plain text: https://secwatch.observer/filing/0001628280-26-014689.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.