WallStSmart

AGNC Investment Corp (AGNC)vsNew York Mortgage Trust Inc (NYMT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 775% more annual revenue ($1.80B vs $205.40M). AGNC leads profitability with a 92.9% profit margin vs 30.3%. NYMT appears more attractively valued with a PEG of 0.97. 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

NYMT

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 6.5Value: 7.3Quality: 5.0
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
NYMTSignificantly Overvalued (-451.2%)

Margin of Safety

-451.2%

Fair Value

$1.29

Current Price

$7.11

$5.82 premium

UndervaluedFair: $1.29Overvalued

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%

NYMT4 strengths · Avg: 9.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.3%10/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
39.8%10/10

Revenue surging 39.8% year-over-year

PEG RatioValuation
0.978/10

Growing faster than its price suggests

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

NYMT4 concerns · Avg: 3.0/10
P/E RatioValuation
37.4x4/10

Premium valuation, high expectations priced in

Market CapQuality
$642.13M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.6%3/10

ROE of 3.6% — below average capital efficiency

EPS GrowthGrowth
-65.3%2/10

Earnings declined 65.3%

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 92.9% and operating margin at 95.9%.

Bull Case : NYMT

The strongest argument for NYMT centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 30.3% and operating margin at 18.2%. Revenue growth of 39.8% demonstrates continued momentum.

Bear Case : AGNC

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

Bear Case : NYMT

The primary concerns for NYMT are P/E Ratio, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

NYMT carries more volatility with a beta of 1.39 — expect wider price swings.

NYMT is growing revenue faster at 39.8% — 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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New York Mortgage Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

New York Mortgage Trust, Inc. acquires, invests, finances and manages single-family and multi-family mortgage-related residential assets in the United States. The company is headquartered in New York, New York.

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