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Side-by-side financial comparison of Ellington Credit Co (EARN) and Xos, Inc. (XOS). Click either name above to swap in a different company.
Ellington Credit Co is the larger business by last-quarter revenue ($6.1M vs $5.2M, roughly 1.2× Xos, Inc.). Ellington Credit Co runs the higher net margin — -32.6% vs -186.8%, a 154.2% gap on every dollar of revenue. On growth, Ellington Credit Co posted the faster year-over-year revenue change (1528.9% vs -54.5%). Over the past eight quarters, Ellington Credit Co's revenue compounded faster (6.3% CAGR vs -35.7%).
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.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
EARN vs XOS — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $6.1M | $5.2M |
| Net Profit | $-2.0M | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | -35.6% | -186.6% |
| Net Margin | -32.6% | -186.8% |
| Revenue YoY | 1528.9% | -54.5% |
| Net Profit YoY | -116.1% | 48.6% |
| EPS (diluted) | — | $-0.76 |
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.
| Q4 25 | — | $5.2M | ||
| Q3 25 | — | $16.5M | ||
| Q2 25 | — | $18.4M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | $6.1M | $11.5M | ||
| Q3 24 | $4.8M | $15.8M | ||
| Q2 24 | $3.9M | $15.5M | ||
| Q1 24 | — | $12.6M |
| Q4 25 | — | $-9.8M | ||
| Q3 25 | — | $2.1M | ||
| Q2 25 | — | $-7.5M | ||
| Q1 25 | — | $-10.2M | ||
| Q4 24 | $-2.0M | $-19.0M | ||
| Q3 24 | $5.4M | $-10.5M | ||
| Q2 24 | $-815.0K | $-9.7M | ||
| Q1 24 | — | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | — | -186.6% | ||
| Q3 25 | — | -42.4% | ||
| Q2 25 | — | -38.5% | ||
| Q1 25 | — | -157.7% | ||
| Q4 24 | -35.6% | -127.0% | ||
| Q3 24 | — | -61.4% | ||
| Q2 24 | -22.8% | -73.2% | ||
| Q1 24 | — | -81.1% |
| Q4 25 | — | -186.8% | ||
| Q3 25 | — | 12.9% | ||
| Q2 25 | — | -40.8% | ||
| Q1 25 | — | -173.3% | ||
| Q4 24 | -32.6% | -165.4% | ||
| Q3 24 | 114.6% | -66.6% | ||
| Q2 24 | -20.9% | -62.2% | ||
| Q1 24 | — | -87.1% |
| Q4 25 | — | $-0.76 | ||
| Q3 25 | — | $0.22 | ||
| Q2 25 | — | $-0.91 | ||
| Q1 25 | — | $-1.26 | ||
| Q4 24 | — | $-2.34 | ||
| Q3 24 | — | $-1.32 | ||
| Q2 24 | — | $-1.23 | ||
| Q1 24 | — | $-1.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $31.8M | $14.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $193.7M | $23.3M |
| Total Assets | $824.1M | $60.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $14.0M | ||
| Q3 25 | — | $14.1M | ||
| Q2 25 | — | $8.8M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | $31.8M | $11.0M | ||
| Q3 24 | $25.7M | $8.4M | ||
| Q2 24 | $118.8M | $19.7M | ||
| Q1 24 | — | $46.2M |
| Q4 25 | — | $23.3M | ||
| Q3 25 | — | $31.1M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | — | $24.8M | ||
| Q4 24 | $193.7M | $33.6M | ||
| Q3 24 | $191.6M | $50.8M | ||
| Q2 24 | $146.1M | $59.2M | ||
| Q1 24 | — | $67.8M |
| Q4 25 | — | $60.4M | ||
| Q3 25 | — | $73.8M | ||
| Q2 25 | — | $80.3M | ||
| Q1 25 | — | $87.7M | ||
| Q4 24 | $824.1M | $98.3M | ||
| Q3 24 | $752.3M | $120.5M | ||
| Q2 24 | $933.5M | $123.4M | ||
| Q1 24 | — | $135.0M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $4.4M | $2.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $2.4M | ||
| Q3 25 | — | $3.1M | ||
| Q2 25 | — | $4.6M | ||
| Q1 25 | — | $-4.8M | ||
| Q4 24 | $4.4M | $3.3M | ||
| Q3 24 | $3.2M | $-11.5M | ||
| Q2 24 | $2.7M | $-26.0M | ||
| Q1 24 | — | $-14.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | — | $-26.1M | ||
| Q1 24 | — | $-14.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -73.9% | ||
| Q2 24 | — | -168.1% | ||
| Q1 24 | — | -115.7% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.60× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
