New York Mortgage Trust, Inc. (ADAM)vsAnnaly Capital Management, Inc. (NLY)
ADAM
New York Mortgage Trust, Inc.
$8.98
-1.32%
REAL ESTATE · Cap: $797.07M
NLY
Annaly Capital Management, Inc.
$21.22
-0.24%
REAL ESTATE · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 673% more annual revenue ($2.50B vs $323.40M). NLY leads profitability with a 87.4% profit margin vs 48.1%. ADAM appears more attractively valued with a PEG of 2.50. NLY earns a higher WallStSmart Score of 77/100 (B+).
ADAM
Strong Buy73
out of 100
Grade: B
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+7.2%
Fair Value
$8.60
Current Price
$8.98
$0.38 discount
Margin of Safety
-37.9%
Fair Value
$16.54
Current Price
$21.22
$4.68 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 48 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
Earnings expanding 21.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 87 of every $100 in revenue as profit
Strong operational efficiency at 81.0%
Revenue surging 48.8% year-over-year
Earnings expanding 122.5% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 48.1% and operating margin at 44.5%. Revenue growth of 10.7% 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 87.4% and operating margin at 81.0%. Revenue growth of 48.8% demonstrates continued momentum.
Bear Case : ADAM
The primary concerns for ADAM are PEG Ratio, Market Cap, Free Cash Flow. Debt-to-equity of 7.65 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.18 is elevated, increasing financial risk.
Key Dynamics to Monitor
ADAM profiles as a mature stock while NLY is a growth play — different risk/reward profiles.
ADAM carries more volatility with a beta of 1.26 — expect wider price swings.
NLY is growing revenue faster at 48.8% — sustainability is the question.
ADAM generates stronger free cash flow (-18M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 73/100), backed by strong 87.4% margins and 48.8% 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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