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Upturn AI SWOT - About
TWO 
Two Harbors Investments Corp (TWO)
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Upturn Advisory Summary
01/28/2025: TWO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -38.7% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.40B USD | Price to earnings Ratio 5.68 | 1Y Target Price 13.94 |
Price to earnings Ratio 5.68 | 1Y Target Price 13.94 | ||
Volume (30-day avg) 1426621 | Beta 1.88 | 52 Weeks Range 10.46 - 14.28 | Updated Date 03/27/2025 |
52 Weeks Range 10.46 - 14.28 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 13.36% | Basic EPS (TTM) 2.37 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 47.93% | Operating Margin (TTM) 113.99% |
Management Effectiveness
Return on Assets (TTM) 2.35% | Return on Equity (TTM) 13.79% |
Valuation
Trailing PE 5.68 | Forward PE 7.24 | Enterprise Value 10244327424 | Price to Sales(TTM) 2.25 |
Enterprise Value 10244327424 | Price to Sales(TTM) 2.25 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 104022000 | Shares Floating 103283455 |
Shares Outstanding 104022000 | Shares Floating 103283455 | ||
Percent Insiders 1.01 | Percent Institutions 71.62 |
Analyst Ratings
Rating 3.8 | Target Price 13.5 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Two Harbors Investments Corp
Company Overview
History and Background
Two Harbors Investments Corp. was founded in 2009. It is a real estate investment trust (REIT) that focuses on investing in, financing, and managing residential mortgage-backed securities (RMBS), mortgage servicing rights (MSRs), and other financial assets. The company has navigated evolving market conditions to remain a player in the mortgage REIT space.
Core Business Areas
- Residential Mortgage-Backed Securities (RMBS): Investing in and managing a portfolio of RMBS, which are securities backed by residential mortgages. This includes agency and non-agency RMBS.
- Mortgage Servicing Rights (MSRs): Investing in MSRs, which represent the right to service mortgage loans on behalf of investors. This includes collecting mortgage payments, managing escrow accounts, and handling foreclosure proceedings.
- Commercial Real Estate: Investing in commercial real estate assets and the commercial real estate debt market.
Leadership and Structure
As of October 27th, 2024, William Roth is the CEO. The company has a board of directors that oversees management. The organizational structure is typical of a REIT, with departments focused on investment management, finance, operations, and risk management.
Top Products and Market Share
Key Offerings
- Agency RMBS: Securities backed by agencies like Fannie Mae and Freddie Mac, offering lower risk but also lower yields. Market share data not readily available, competitors include other mortgage REITs focused on agency RMBS, such as AGNC Investment Corp. (AGNC) and Annaly Capital Management (NLY).
- MSRs: Rights to service mortgage loans, providing a stream of income from servicing fees. Market share data not readily available, competitors include other mortgage REITs and specialized MSR investors, such as New Residential Investment Corp. (NRZ).
- Non-Agency RMBS: Securities not backed by government agencies, carrying higher risk but potentially higher returns. Market share data not readily available, competitors include other mortgage REITs investing in non-agency RMBS.
Market Dynamics
Industry Overview
The mortgage REIT industry is heavily influenced by interest rates, housing market conditions, and government policies. It is a competitive industry with many players vying for market share. Interest rate fluctuations can significantly impact the profitability of mortgage REITs.
Positioning
Two Harbors Investments Corp. is a mortgage REIT that focuses on a diversified portfolio of RMBS, MSRs and CRE. Its success depends on its ability to accurately assess and manage risk, as well as its ability to adapt to changing market conditions.
Total Addressable Market (TAM)
The total addressable market for mortgage REITs is vast, encompassing the entire market for mortgage-backed securities and mortgage servicing rights, which totals several trillion dollars. Two Harbors' positioning within this TAM is related to risk appetite and available investment capital and available investments.
Upturn SWOT Analysis
Strengths
- Diversified investment portfolio (RMBS, MSRs, CRE)
- Experienced management team
- Established presence in the mortgage REIT market
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on leverage
- Complexity of mortgage-backed securities
Opportunities
- Expansion into new mortgage-related assets
- Capitalizing on market volatility
- Increasing demand for mortgage servicing
Threats
- Rising interest rates
- Increased competition
- Changes in government regulations
- Economic downturn affecting housing market
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- IVR
- ARR
Competitive Landscape
Two Harbors Investments Corp. faces significant competition in the mortgage REIT market. Competitive advantages vary depending on investment strategy and risk management capabilities.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by market conditions and strategic decisions. Specific trends from SEC fillings.
Future Projections: Future projections are dependent on external economic factors. Analyst estimates are published on various financial websites.
Recent Initiatives: Recent initiatives include portfolio adjustments, and cost-cutting measures. Further information can be obtained from company SEC filings.
Summary
Two Harbors Investments Corp. is a mortgage REIT navigating a complex market. Its diversified investment portfolio and experienced management team are strengths. However, the company is vulnerable to interest rate fluctuations and economic downturns. Monitoring market conditions is crucial for their performance.
Similar Companies
- AGNC
- NLY
- IVR
- ARR
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Two Harbors Investments Corp
Exchange NYSE | Headquaters Saint Louis Park, MN, United States | ||
IPO Launch date 2009-10-29 | President, CEO & Director Mr. William Ross Greenberg Ph.D. | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 477 | Website https://www.twoinv.com |
Full time employees 477 | Website https://www.twoinv.com | ||
Two Harbors Investment Corp. invests in, finances, and manages mortgage servicing rights (MSRs), agency residential mortgage-backed securities (RMBS), and other financial assets through RoundPoint in the United States. The company target assets include agency RMBS collateralized by fixed rate mortgage loans, adjustable rate mortgage loans, hybrid mortgage loans, or derivatives; and other assets, such as financial and mortgage-related assets, comprising non-agency securities and non-hedging transactions. It qualifies as a REIT for federal income tax purposes. As a REIT, the company must distribute at least 90% of annual taxable income to its stockholders. Two Harbors Investment Corp. was incorporated in 2009 and is headquartered in Saint Louis Park, Minnesota.
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