EJF Investments Limited

EJFI.L

Asset Management · Financial Services

Exchange

London Stock Exchange

Winston Score

–

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Winston Score History

The full picture

EJF Investments Limited is a closed-end investment fund listed on the London Stock Exchange. It pools money from investors and puts that money to work in financial assets, mainly debt and equity securities tied to small and mid-sized banks and financial companies in the United States. The fund is managed by EJF Capital, a specialist asset manager based in Virginia that focuses on financial sector investments.

The company makes money by earning returns on its investment portfolio, including interest income and capital gains, and charges management fees are handled at the fund manager level. It is a relatively small fund with a market cap around $100 million, and its edge comes from EJF Capital's focused expertise in U.S. community banking regulations and capital structures, which most generalist managers do not deeply understand. The main risk is that its concentrated exposure to U.S. financial sector credit means a downturn in regional banking or rising loan defaults could significantly hurt portfolio returns.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+45.1% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+86.9% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

41.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£115M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

EJF Investments Limited is growing revenue at 45% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

90.1%

Excellent — 90.1% operating margin

Return on the money invested

ROCE

8.5%

Below par — 8.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

N/A

Data not available

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

17.4x

no trend

Fair value — P/E 17.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

8.25%

no trend

Healthy income — 8.25% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+20.7%

no trend

Dividend growing fast (20.7% YoY)

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