WallStSmart

AGNC Investment Corp (AGNC)vsKKR Real Estate Finance Trust Inc (KREF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 11242% more annual revenue ($1.80B vs $15.84M). AGNC leads profitability with a 92.9% profit margin vs -297.0%. KREF appears more attractively valued with a PEG of 5.13. AGNC earns a higher WallStSmart Score of 75/100 (B+).

AGNC

Strong Buy

75

out of 100

Grade: B+

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

KREF

Hold

48

out of 100

Grade: D+

Growth: 5.3Profit: 4.0Value: 4.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCUndervalued (+83.4%)

Margin of Safety

+83.4%

Fair Value

$68.80

Current Price

$10.01

$58.79 discount

UndervaluedFair: $68.80Overvalued

Intrinsic value data unavailable for KREF.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
6.6x10/10

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%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

KREF3 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
246.3%10/10

Strong operational efficiency at 246.3%

Revenue GrowthGrowth
245.1%10/10

Revenue surging 245.1% year-over-year

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

KREF4 concerns · Avg: 2.5/10
Market CapQuality
$419.72M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.132/10

Expensive relative to growth rate

Return on EquityProfitability
-3.9%2/10

ROE of -3.9% — below average capital efficiency

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%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : KREF

The strongest argument for KREF centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 245.1% demonstrates continued momentum.

Bear Case : AGNC

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

Bear Case : KREF

The primary concerns for KREF are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 4.00 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNC profiles as a growth stock while KREF is a hypergrowth play — different risk/reward profiles.

AGNC carries more volatility with a beta of 1.35 — expect wider price swings.

AGNC is growing revenue faster at 546.0% — sustainability is the question.

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

Bottom Line

AGNC scores higher overall (75/100 vs 48/100), backed by strong 92.9% margins and 546.0% revenue growth. Both earn "Strong Buy" and "Hold" 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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KKR Real Estate Finance Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

KKR Real Estate Finance Trust Inc., a mortgage real estate investment trust, focuses primarily on originating and acquiring senior loans secured by commercial real estate (CRE) assets. The company is headquartered in New York, New York.

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