AFC Gamma Inc (AFCG)vsAnnaly Capital Management, Inc. (NLY)
AFCG
AFC Gamma Inc
$2.61
-0.38%
REAL ESTATE · Cap: $58.82M
NLY
Annaly Capital Management, Inc.
$21.41
+1.57%
REAL ESTATE · Cap: $15.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 120621% more annual revenue ($2.38B vs $1.97M). NLY leads profitability with a 85.1% profit margin vs 0.0%. NLY earns a higher WallStSmart Score of 75/100 (B).
AFCG
Avoid32
out of 100
Grade: F
NLY
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AFCG.
Margin of Safety
+83.2%
Fair Value
$135.72
Current Price
$21.41
$114.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 120.1% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -11.0% — below average capital efficiency
Earnings declined 85.1%
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AFCG
The strongest argument for AFCG centers on Price/Book, Revenue Growth. Revenue growth of 120.1% 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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bear Case : AFCG
The primary concerns for AFCG are Market Cap, Profit Margin, Return on Equity.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFCG profiles as a hypergrowth stock while NLY is a growth play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.30 — expect wider price swings.
AFCG is growing revenue faster at 120.1% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (75/100 vs 32/100), backed by strong 85.1% margins and 113.9% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
AFC Gamma Inc
REAL ESTATE · REIT - MORTGAGE · USA
AFC Gamma, Inc. originates, structures, underwrites and administers senior secured loans and other types of loans for established companies operating in the cannabis industry in states that have legalized medical and / or adult cannabis. The company is headquartered in West Palm Beach, Florida.
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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