WallStSmart

AGNC Investment Corp (AGNC)vsApollo Commercial Real Estate Finance Inc (ARI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 570% more annual revenue ($1.80B vs $268.36M). AGNC leads profitability with a 92.9% profit margin vs 47.2%. AGNC appears more attractively valued with a PEG of 17.55. AGNC earns a higher WallStSmart Score of 75/100 (B+).

AGNC

Strong Buy

75

out of 100

Grade: B+

Growth: 4.7Profit: 8.0Value: 7.3Quality: 3.3
Piotroski: 2/9Altman Z: -0.95

ARI

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 8.5Value: 4.7Quality: 5.3
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCUndervalued (+83.7%)

Margin of Safety

+83.7%

Fair Value

$70.20

Current Price

$10.14

$60.06 discount

UndervaluedFair: $70.20Overvalued
ARISignificantly Overvalued (-93.8%)

Margin of Safety

-93.8%

Fair Value

$5.51

Current Price

$10.63

$5.12 premium

UndervaluedFair: $5.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC4 strengths · Avg: 10.0/10
P/E RatioValuation
6.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
92.9%10/10

Keeps 93 of every $100 in revenue as profit

Operating MarginProfitability
95.9%10/10

Strong operational efficiency at 95.9%

ARI4 strengths · Avg: 9.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
47.2%10/10

Keeps 47 of every $100 in revenue as profit

Operating MarginProfitability
38.6%10/10

Strong operational efficiency at 38.6%

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Areas to Watch

AGNC3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
17.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

ARI4 concerns · Avg: 2.5/10
Market CapQuality
$1.48B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

PEG RatioValuation
33.372/10

Expensive relative to growth rate

Revenue GrowthGrowth
-130.0%2/10

Revenue declined 130.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : AGNC

The strongest argument for AGNC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 92.9% and operating margin at 95.9%.

Bull Case : ARI

The strongest argument for ARI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 47.2% and operating margin at 38.6%.

Bear Case : AGNC

The primary concerns for AGNC are Piotroski F-Score, PEG Ratio, Altman Z-Score.

Bear Case : ARI

The primary concerns for ARI are Market Cap, Return on Equity, PEG Ratio.

Key Dynamics to Monitor

AGNC profiles as a mature stock while ARI is a declining play — different risk/reward profiles.

ARI carries more volatility with a beta of 1.56 — expect wider price swings.

AGNC is growing revenue faster at 5.5% — sustainability is the question.

AGNC generates stronger free cash flow (128M), providing more financial flexibility.

Bottom Line

AGNC scores higher overall (75/100 vs 54/100), backed by strong 92.9% margins. Both earn "Strong Buy" and "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.

AGNC Investment Corp

REAL ESTATE · REIT - MORTGAGE · USA

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

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Apollo Commercial Real Estate Finance Inc

REAL ESTATE · REIT - MORTGAGE · USA

Apollo Commercial Real Estate Finance, Inc. is a real estate investment trust (REIT) that originates, acquires, invests, and manages commercial first mortgage loans, subordinated financings, and other real estate-related commercial debt investments in the United States. . The company is headquartered in New York, New York.

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