WallStSmart

AGNC Investment Corp (AGNC)vsMFA Financial Inc (MFA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 452% more annual revenue ($1.80B vs $325.40M). AGNC leads profitability with a 92.9% profit margin vs 54.3%. MFA appears more attractively valued with a PEG of 2.48. 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

MFA

Strong Buy

67

out of 100

Grade: B-

Growth: 5.7Profit: 7.5Value: 8.0Quality: 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
MFAOvervalued (-9.9%)

Margin of Safety

-9.9%

Fair Value

$8.84

Current Price

$9.85

$1.01 premium

UndervaluedFair: $8.84Overvalued

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%

MFA5 strengths · Avg: 10.0/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
54.3%10/10

Keeps 54 of every $100 in revenue as profit

Operating MarginProfitability
61.7%10/10

Strong operational efficiency at 61.7%

Revenue GrowthGrowth
111.3%10/10

Revenue surging 111.3% 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

MFA3 concerns · Avg: 3.0/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

Market CapQuality
$968.82M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-5.4%2/10

Earnings declined 5.4%

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 : MFA

The strongest argument for MFA centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.3% and operating margin at 61.7%. Revenue growth of 111.3% demonstrates continued momentum.

Bear Case : AGNC

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

Bear Case : MFA

The primary concerns for MFA are PEG Ratio, Market Cap, EPS Growth.

Key Dynamics to Monitor

AGNC profiles as a mature stock while MFA is a growth play — different risk/reward profiles.

MFA carries more volatility with a beta of 1.64 — expect wider price swings.

MFA is growing revenue faster at 111.3% — sustainability is the question.

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

Bottom Line

AGNC scores higher overall (75/100 vs 67/100), backed by strong 92.9% margins. 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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MFA Financial Inc

REAL ESTATE · REIT - MORTGAGE · USA

MFA Financial, Inc., is a real estate investment trust (REIT) in the United States. The company is headquartered in New York, New York.

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