WallStSmart

Arbor Realty Trust (ABR)vsAGNC Investment Corp. (AGNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 382% more annual revenue ($2.40B vs $498.07M). AGNC leads profitability with a 94.4% profit margin vs 11.6%. ABR appears more attractively valued with a PEG of 1.65. AGNC earns a higher WallStSmart Score of 75/100 (B+).

ABR

Hold

43

out of 100

Grade: D

Growth: 4.7Profit: 4.0Value: 5.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.06

AGNC

Strong Buy

75

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.93
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ABRUndervalued (+82.0%)

Margin of Safety

+82.0%

Fair Value

$42.22

Current Price

$4.72

$37.50 discount

UndervaluedFair: $42.22Overvalued
AGNCSignificantly Overvalued (-45.0%)

Margin of Safety

-45.0%

Fair Value

$7.88

Current Price

$10.15

$2.27 premium

UndervaluedFair: $7.88Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABR1 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
5.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
94.4%10/10

Keeps 94 of every $100 in revenue as profit

Operating MarginProfitability
95.6%10/10

Strong operational efficiency at 95.6%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

Areas to Watch

ABR4 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Market CapQuality
$997.42M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.1%3/10

ROE of 2.1% — below average capital efficiency

P/E RatioValuation
54.7x2/10

Premium valuation, high expectations priced in

AGNC4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.482/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.932/10

Distress zone — elevated risk

Debt/EquityHealth
7.161/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ABR

The strongest argument for ABR centers on Price/Book.

Bull Case : AGNC

The strongest argument for AGNC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 94.4% and operating margin at 95.6%. Revenue growth of 546.0% demonstrates continued momentum.

Bear Case : ABR

The primary concerns for ABR are PEG Ratio, Market Cap, Return on Equity. A P/E of 54.7x leaves little room for execution misses. Debt-to-equity of 3.99 is elevated, increasing financial risk.

Bear Case : AGNC

The primary concerns for AGNC are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 7.16 is elevated, increasing financial risk.

Key Dynamics to Monitor

ABR profiles as a declining stock while AGNC is a growth play — different risk/reward profiles.

AGNC carries more volatility with a beta of 1.30 — expect wider price swings.

AGNC is growing revenue faster at 546.0% — sustainability is the question.

AGNC generates stronger free cash flow (218M), providing more financial flexibility.

Bottom Line

AGNC scores higher overall (75/100 vs 43/100), backed by strong 94.4% margins and 546.0% revenue growth. ABR offers better value entry with a 82.0% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Arbor Realty Trust

REAL ESTATE · REIT - MORTGAGE · USA

Arbor Realty Trust, Inc. invests in a diversified portfolio of structured financial assets in the commercial, single-family, and multi-family real estate markets in the United States. The company is headquartered in Uniondale, New York.

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AGNC Investment Corp.

REAL ESTATE · REIT - MORTGAGE · USA

AGNC Investment Corp. The company is headquartered in Bethesda, Maryland.

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