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Side-by-side financial comparison of Ellington Credit Co (EARN) and NATURAL HEALTH TRENDS CORP (NHTC). Click either name above to swap in a different company.

NATURAL HEALTH TRENDS CORP is the larger business by last-quarter revenue ($9.7M vs $6.1M, roughly 1.6× Ellington Credit Co). NATURAL HEALTH TRENDS CORP runs the higher net margin — -6.0% vs -32.6%, a 26.6% gap on every dollar of revenue. On growth, Ellington Credit Co posted the faster year-over-year revenue change (1528.9% vs -10.1%). Over the past eight quarters, Ellington Credit Co's revenue compounded faster (6.3% CAGR vs -5.6%).

Ellington Management Group is an American hedge fund firm. As of June 2019, the firm was reportedly managing $8.5 billion in structured products and other credit instruments.

Sword Health is a digital health company that develops physical therapy programs for musculoskeletal (MSK) conditions, pelvic health, and injury prevention. The company was founded in 2015 in Portugal by Virgílio Bento and Márcio Colunas. Its services include digital physical therapy with artificial intelligence (AI) integrated into the care model. As of 2024, Sword Health operates internationally, with offices in the United States, Ireland, and Portugal. The company has been valued at $3 bil...

EARN vs NHTC — Head-to-Head

Bigger by revenue
NHTC
NHTC
1.6× larger
NHTC
$9.7M
$6.1M
EARN
Growing faster (revenue YoY)
EARN
EARN
+1539.0% gap
EARN
1528.9%
-10.1%
NHTC
Higher net margin
NHTC
NHTC
26.6% more per $
NHTC
-6.0%
-32.6%
EARN
Faster 2-yr revenue CAGR
EARN
EARN
Annualised
EARN
6.3%
-5.6%
NHTC

Income Statement — Q3 FY2025 vs Q4 FY2025

Metric
EARN
EARN
NHTC
NHTC
Revenue
$6.1M
$9.7M
Net Profit
$-2.0M
$-588.0K
Gross Margin
72.9%
Operating Margin
-35.6%
-6.5%
Net Margin
-32.6%
-6.0%
Revenue YoY
1528.9%
-10.1%
Net Profit YoY
-116.1%
-434.1%
EPS (diluted)
$-0.05

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
EARN
EARN
NHTC
NHTC
Q4 25
$9.7M
Q3 25
$9.5M
Q2 25
$9.8M
Q1 25
$10.7M
Q4 24
$6.1M
$10.8M
Q3 24
$4.8M
$10.7M
Q2 24
$3.9M
$10.5M
Q1 24
$11.0M
Net Profit
EARN
EARN
NHTC
NHTC
Q4 25
$-588.0K
Q3 25
$-431.0K
Q2 25
$15.0K
Q1 25
$122.0K
Q4 24
$-2.0M
$176.0K
Q3 24
$5.4M
$35.0K
Q2 24
$-815.0K
$173.0K
Q1 24
$188.0K
Gross Margin
EARN
EARN
NHTC
NHTC
Q4 25
72.9%
Q3 25
73.7%
Q2 25
73.9%
Q1 25
73.6%
Q4 24
74.2%
Q3 24
74.1%
Q2 24
74.2%
Q1 24
73.4%
Operating Margin
EARN
EARN
NHTC
NHTC
Q4 25
-6.5%
Q3 25
-5.2%
Q2 25
-3.4%
Q1 25
-3.2%
Q4 24
-35.6%
-3.9%
Q3 24
-2.6%
Q2 24
-22.8%
-2.3%
Q1 24
-3.3%
Net Margin
EARN
EARN
NHTC
NHTC
Q4 25
-6.0%
Q3 25
-4.5%
Q2 25
0.2%
Q1 25
1.1%
Q4 24
-32.6%
1.6%
Q3 24
114.6%
0.3%
Q2 24
-20.9%
1.7%
Q1 24
1.7%
EPS (diluted)
EARN
EARN
NHTC
NHTC
Q4 25
$-0.05
Q3 25
$-0.04
Q2 25
$0.00
Q1 25
$0.01
Q4 24
$0.01
Q3 24
$0.00
Q2 24
$0.02
Q1 24
$0.02

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
EARN
EARN
NHTC
NHTC
Cash + ST InvestmentsLiquidity on hand
$31.8M
$28.9M
Total DebtLower is stronger
Stockholders' EquityBook value
$193.7M
$23.4M
Total Assets
$824.1M
$38.4M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
EARN
EARN
NHTC
NHTC
Q4 25
$28.9M
Q3 25
$32.0M
Q2 25
$34.2M
Q1 25
$41.9M
Q4 24
$31.8M
$43.9M
Q3 24
$25.7M
$46.3M
Q2 24
$118.8M
$48.7M
Q1 24
$54.4M
Stockholders' Equity
EARN
EARN
NHTC
NHTC
Q4 25
$23.4M
Q3 25
$26.1M
Q2 25
$28.9M
Q1 25
$30.9M
Q4 24
$193.7M
$32.9M
Q3 24
$191.6M
$35.3M
Q2 24
$146.1M
$37.3M
Q1 24
$39.4M
Total Assets
EARN
EARN
NHTC
NHTC
Q4 25
$38.4M
Q3 25
$42.3M
Q2 25
$45.2M
Q1 25
$53.2M
Q4 24
$824.1M
$55.4M
Q3 24
$752.3M
$58.3M
Q2 24
$933.5M
$61.5M
Q1 24
$67.6M

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
EARN
EARN
NHTC
NHTC
Operating Cash FlowLast quarter
$4.4M
$-959.0K
Free Cash FlowOCF − Capex
$-964.0K
FCF MarginFCF / Revenue
-9.9%
Capex IntensityCapex / Revenue
0.1%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$-6.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
EARN
EARN
NHTC
NHTC
Q4 25
$-959.0K
Q3 25
$113.0K
Q2 25
$-5.6M
Q1 25
$484.0K
Q4 24
$4.4M
$88.0K
Q3 24
$3.2M
$-436.0K
Q2 24
$2.7M
$-3.6M
Q1 24
$549.0K
Free Cash Flow
EARN
EARN
NHTC
NHTC
Q4 25
$-964.0K
Q3 25
$70.0K
Q2 25
$-5.6M
Q1 25
$468.0K
Q4 24
$68.0K
Q3 24
$-443.0K
Q2 24
$-3.6M
Q1 24
$538.0K
FCF Margin
EARN
EARN
NHTC
NHTC
Q4 25
-9.9%
Q3 25
0.7%
Q2 25
-57.5%
Q1 25
4.4%
Q4 24
0.6%
Q3 24
-4.1%
Q2 24
-34.2%
Q1 24
4.9%
Capex Intensity
EARN
EARN
NHTC
NHTC
Q4 25
0.1%
Q3 25
0.5%
Q2 25
0.0%
Q1 25
0.1%
Q4 24
0.2%
Q3 24
0.1%
Q2 24
0.2%
Q1 24
0.1%
Cash Conversion
EARN
EARN
NHTC
NHTC
Q4 25
Q3 25
Q2 25
-375.67×
Q1 25
3.97×
Q4 24
0.50×
Q3 24
0.60×
-12.46×
Q2 24
-20.62×
Q1 24
2.92×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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