TWO
Two Harbors·NYSE
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9.45 / 10
Outperform
TWO's fundamentals are robust, highlighted by strong Asset-MV (2.095) and Cash-MV (0.138) values, and a high quality score of 9.4/10. However, concerning trends include a negative Rate of Return on Total Assets (-12.4%) and a significant drop in Diluted EPS YoY (-305.9%). These factors place the company in a 'selective buy' zone rather than a strong endorsement, as liquidity and asset strength offset deteriorating earnings quality.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value-22.83
Score3/3
Weight41.60%
1M Return2.61%
Value-22.83
Score3/3
Weight41.60%
1M Return2.61%
PB-ROE
Value-0.95
Score0/3
Weight-11.43%
1M Return-1.08%
Value-0.95
Score0/3
Weight-11.43%
1M Return-1.08%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight3.65%
1M Return0.28%
Value100.00
Score3/3
Weight3.65%
1M Return0.28%
ROE (diluted) (%)
Value-28.36
Score0/3
Weight-31.46%
1M Return-3.02%
Value-28.36
Score0/3
Weight-31.46%
1M Return-3.02%
Asset-MV
Value2.10
Score3/3
Weight67.84%
1M Return3.75%
Value2.10
Score3/3
Weight67.84%
1M Return3.75%
Net income-Revenue
Value-0.01
Score1/3
Weight12.38%
1M Return0.93%
Value-0.01
Score1/3
Weight12.38%
1M Return0.93%
Rate of return on total assets (%)
Value-12.40
Score2/3
Weight2.71%
1M Return0.21%
Value-12.40
Score2/3
Weight2.71%
1M Return0.21%
Annualized return on total assets (%)
Value-16.54
Score2/3
Weight2.71%
1M Return0.21%
Value-16.54
Score2/3
Weight2.71%
1M Return0.21%
Diluted earnings per share (YoY growth rate %)
Value-305.91
Score0/3
Weight-23.22%
1M Return-2.02%
Value-305.91
Score0/3
Weight-23.22%
1M Return-2.02%
Cash-MV
Value0.14
Score3/3
Weight35.22%
1M Return2.25%
Value0.14
Score3/3
Weight35.22%
1M Return2.25%
Net assets per share (growth rate compared to beginning of year %)
Value-22.83
Score3/3
Weight41.60%
1M Return2.61%
Value-22.83
Score3/3
Weight41.60%
1M Return2.61%
Net income-Revenue
Value-0.01
Score1/3
Weight12.38%
1M Return0.93%
Value-0.01
Score1/3
Weight12.38%
1M Return0.93%
PB-ROE
Value-0.95
Score0/3
Weight-11.43%
1M Return-1.08%
Value-0.95
Score0/3
Weight-11.43%
1M Return-1.08%
Rate of return on total assets (%)
Value-12.40
Score2/3
Weight2.71%
1M Return0.21%
Value-12.40
Score2/3
Weight2.71%
1M Return0.21%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight3.65%
1M Return0.28%
Value100.00
Score3/3
Weight3.65%
1M Return0.28%
Annualized return on total assets (%)
Value-16.54
Score2/3
Weight2.71%
1M Return0.21%
Value-16.54
Score2/3
Weight2.71%
1M Return0.21%
ROE (diluted) (%)
Value-28.36
Score0/3
Weight-31.46%
1M Return-3.02%
Value-28.36
Score0/3
Weight-31.46%
1M Return-3.02%
Diluted earnings per share (YoY growth rate %)
Value-305.91
Score0/3
Weight-23.22%
1M Return-2.02%
Value-305.91
Score0/3
Weight-23.22%
1M Return-2.02%
Asset-MV
Value2.10
Score3/3
Weight67.84%
1M Return3.75%
Value2.10
Score3/3
Weight67.84%
1M Return3.75%
Cash-MV
Value0.14
Score3/3
Weight35.22%
1M Return2.25%
Value0.14
Score3/3
Weight35.22%
1M Return2.25%
Is TWO undervalued or overvalued?
- TWO scores 9.45/10 on fundamentals and holds a Discounted valuation at present. Backed by its -25.94% ROE, -355.51% net margin, -2.28 P/E ratio, 0.65 P/B ratio, and -302.49% earnings growth, these metrics solidify its Outperform investment rating.
