WallStSmart

AGNC Investment Corp (AGNC)vsReady Capital Corp (RC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates -3197% more annual revenue ($1.80B vs $-58.02M). AGNC leads profitability with a 92.9% profit margin vs 0.0%. 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

RC

Hold

50

out of 100

Grade: D+

Growth: 4.7Profit: 3.0Value: 5.0Quality: 3.0
Piotroski: 4/9Altman Z: 0.16
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

Intrinsic value data unavailable for RC.

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%

RC1 strengths · Avg: 10.0/10
Price/BookValuation
0.2x10/10

Reasonable price relative to book value

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

RC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

EPS GrowthGrowth
3.1%4/10

3.1% earnings growth

Market CapQuality
$253.40M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

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 : RC

The strongest argument for RC centers on Price/Book.

Bear Case : AGNC

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

Bear Case : RC

The primary concerns for RC are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 2.13 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNC profiles as a mature stock while RC is a value play — different risk/reward profiles.

RC carries more volatility with a beta of 1.50 — expect wider price swings.

AGNC is growing revenue faster at 5.5% — sustainability is the question.

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

Bottom Line

AGNC scores higher overall (75/100 vs 50/100), backed by strong 92.9% margins. 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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Ready Capital Corp

REAL ESTATE · REIT - MORTGAGE · USA

Ready Capital Corporation, is a real estate finance company in the United States. The company is headquartered in New York, New York.

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