WallStSmart

AGNC Investment Corp. (AGNC)vsEllington Financial Inc. (EFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 457% more annual revenue ($2.40B vs $431.35M). AGNC leads profitability with a 94.4% profit margin vs 51.5%. EFC appears more attractively valued with a PEG of 0.86. AGNC earns a higher WallStSmart Score of 75/100 (B+).

AGNC

Strong Buy

75

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.95

EFC

Strong Buy

70

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 7.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCSignificantly Overvalued (-45.2%)

Margin of Safety

-45.2%

Fair Value

$7.87

Current Price

$10.96

$3.09 premium

UndervaluedFair: $7.87Overvalued

Intrinsic value data unavailable for EFC.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
5.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

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

EFC6 strengths · Avg: 9.7/10
P/E RatioValuation
8.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
51.5%10/10

Keeps 52 of every $100 in revenue as profit

Operating MarginProfitability
55.9%10/10

Strong operational efficiency at 55.9%

Revenue GrowthGrowth
33.8%10/10

Revenue surging 33.8% year-over-year

PEG RatioValuation
0.868/10

Growing faster than its price suggests

Areas to Watch

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
-0.952/10

Distress zone — elevated risk

Debt/EquityHealth
7.161/10

Elevated debt levels

EFC3 concerns · Avg: 2.7/10
Market CapQuality
$1.80B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-3.3%2/10

Earnings declined 3.3%

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 94.4% and operating margin at 95.6%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : EFC

The strongest argument for EFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.5% and operating margin at 55.9%. Revenue growth of 33.8% demonstrates continued momentum.

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.

Bear Case : EFC

The primary concerns for EFC are Market Cap, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

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 (224M), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AGNC scores higher overall (75/100 vs 70/100), backed by strong 94.4% margins and 546.0% 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.

AGNC Investment Corp.

REAL ESTATE · REIT - MORTGAGE · USA

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

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Ellington Financial Inc.

REAL ESTATE · REIT - MORTGAGE · USA

Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, business-related and other financial assets in the United States. The company is headquartered in Old Greenwich, Connecticut.

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