New York Mortgage Trust, Inc. (ADAM)vsAnnaly Capital Management, Inc. (NLY)
ADAM
New York Mortgage Trust, Inc.
$9.51
+0.74%
REAL ESTATE · Cap: $848.47M
NLY
Annaly Capital Management, Inc.
$22.75
-0.13%
REAL ESTATE · Cap: $17.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 753% more annual revenue ($3.25B vs $381.67M). NLY leads profitability with a 90.7% profit margin vs 53.0%. ADAM appears more attractively valued with a PEG of 2.50. ADAM earns a higher WallStSmart Score of 79/100 (B+).
ADAM
Strong Buy79
out of 100
Grade: B+
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+19.3%
Fair Value
$9.89
Current Price
$9.51
$0.38 discount
Margin of Safety
-8.7%
Fair Value
$20.99
Current Price
$22.75
$1.76 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 51.7%
Revenue surging 129.8% year-over-year
Earnings expanding 21.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 91 of every $100 in revenue as profit
Strong operational efficiency at 91.6%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ADAM
The strongest argument for ADAM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.0% and operating margin at 51.7%. Revenue growth of 129.8% demonstrates continued momentum.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 90.7% and operating margin at 91.6%. Revenue growth of 479.4% demonstrates continued momentum.
Bear Case : ADAM
The primary concerns for ADAM are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.38 is elevated, increasing financial risk.
Key Dynamics to Monitor
ADAM carries more volatility with a beta of 1.25 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
ADAM generates stronger free cash flow (16M), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ADAM scores higher overall (79/100 vs 77/100), backed by strong 53.0% margins and 129.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
New York Mortgage Trust, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Adamas Trust, Inc. acquires, invests in, finances, and manages mortgage-related single-family and multi-family residential assets in the United States. The company is headquartered in New York, New York.
Annaly Capital Management, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company is headquartered in New York, New York.
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