WallStSmart

AGNC Investment Corp. (AGNCN)vsTwo Harbors Investments Corp (TWO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 225% more annual revenue ($1.60B vs $493.78M). AGNCN leads profitability with a 91.7% profit margin vs -69.5%. AGNCN earns a higher WallStSmart Score of 59/100 (C).

AGNCN

Buy

59

out of 100

Grade: C

Growth: 7.3Profit: 7.5Value: 6.0Quality: 2.5
Piotroski: 2/9Altman Z: -0.95

TWO

Buy

51

out of 100

Grade: C-

Growth: 7.3Profit: 4.0Value: 4.0Quality: 4.3
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCNUndervalued (+19.9%)

Margin of Safety

+19.9%

Fair Value

$32.18

Current Price

$25.78

$6.40 discount

UndervaluedFair: $32.18Overvalued

Intrinsic value data unavailable for TWO.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNCN5 strengths · Avg: 9.6/10
Profit MarginProfitability
91.7%10/10

Keeps 92 of every $100 in revenue as profit

Operating MarginProfitability
129.8%10/10

Strong operational efficiency at 129.8%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

TWO3 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
1569.0%10/10

Revenue surging 1569.0% year-over-year

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

Areas to Watch

AGNCN3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

Debt/EquityHealth
8.211/10

Elevated debt levels

TWO4 concerns · Avg: 2.5/10
Market CapQuality
$1.30B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.762/10

Expensive relative to growth rate

Return on EquityProfitability
-17.7%2/10

ROE of -17.7% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : AGNCN

The strongest argument for AGNCN centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 91.7% and operating margin at 129.8%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : TWO

The strongest argument for TWO centers on Price/Book, Revenue Growth, Operating Margin. Revenue growth of 1569.0% demonstrates continued momentum.

Bear Case : AGNCN

The primary concerns for AGNCN are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 8.21 is elevated, increasing financial risk.

Bear Case : TWO

The primary concerns for TWO are Market Cap, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

AGNCN profiles as a growth stock while TWO is a hypergrowth play — different risk/reward profiles.

AGNCN carries more volatility with a beta of 1.33 — expect wider price swings.

TWO is growing revenue faster at 1569.0% — sustainability is the question.

AGNCN generates stronger free cash flow (387M), providing more financial flexibility.

Bottom Line

AGNCN scores higher overall (59/100 vs 51/100), backed by strong 91.7% margins and 546.0% revenue growth. Both earn "Buy" and "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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Two Harbors Investments Corp

REAL ESTATE · REIT - MORTGAGE · USA

Two Harbors Investment Corp. The company is headquartered in Minnetonka, Minnesota.

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