WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 1069% more annual revenue ($2.40B vs $205.40M). AGNC leads profitability with a 94.4% 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: 7.3Profit: 8.0Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.93

NYMT

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 6.5Value: 5.7Quality: 3.8
Piotroski: 4/9Altman Z: 0.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCSignificantly Overvalued (-45.0%)

Margin of Safety

-45.0%

Fair Value

$7.88

Current Price

$10.15

$2.27 premium

UndervaluedFair: $7.88Overvalued

Intrinsic value data unavailable for NYMT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
5.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

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

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

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
-0.932/10

Distress zone — elevated risk

Debt/EquityHealth
7.161/10

Elevated debt levels

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
4.5%3/10

ROE of 4.5% — 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 94.4% and operating margin at 95.6%. Revenue growth of 546.0% demonstrates continued momentum.

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. Debt-to-equity of 7.16 is elevated, increasing financial risk.

Bear Case : NYMT

The primary concerns for NYMT are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 2.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

AGNC generates stronger free cash flow (218M), providing more financial flexibility.

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

Bottom Line

AGNC scores higher overall (75/100 vs 67/100), 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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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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