Angel Oak Mortgage Inc (AOMR)vsStarwood Property Trust Inc (STWD)
AOMR
Angel Oak Mortgage Inc
$9.05
+1.72%
REAL ESTATE · Cap: $225.48M
STWD
Starwood Property Trust Inc
$16.82
-0.23%
REAL ESTATE · Cap: $6.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Starwood Property Trust Inc generates 1547% more annual revenue ($580.84M vs $35.26M). STWD leads profitability with a 60.5% profit margin vs 45.7%. AOMR trades at a lower P/E of 14.4x. STWD earns a higher WallStSmart Score of 59/100 (C).
AOMR
Hold49
out of 100
Grade: D+
STWD
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-70.5%
Fair Value
$5.23
Current Price
$9.05
$3.82 premium
Margin of Safety
+84.7%
Fair Value
$117.88
Current Price
$16.82
$101.06 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 334.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.8% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Revenue declined 60.6%
Earnings declined 64.3%
Expensive relative to growth rate
ROE of 5.3% — below average capital efficiency
Weak financial health signals
Earnings declined 60.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : AOMR
The strongest argument for AOMR centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 334.9%.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 60.5% and operating margin at 17.4%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : AOMR
The primary concerns for AOMR are Market Cap, Return on Equity, Revenue Growth. Debt-to-equity of 9.41 is elevated, increasing financial risk.
Bear Case : STWD
The primary concerns for STWD are PEG Ratio, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
AOMR profiles as a declining stock while STWD is a growth play — different risk/reward profiles.
AOMR carries more volatility with a beta of 1.21 — expect wider price swings.
STWD is growing revenue faster at 21.8% — sustainability is the question.
STWD generates stronger free cash flow (-56M), providing more financial flexibility.
Bottom Line
STWD scores higher overall (59/100 vs 49/100), backed by strong 60.5% margins and 21.8% revenue growth. Both earn "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.
Angel Oak Mortgage Inc
REAL ESTATE · REIT - MORTGAGE · USA
Angel Oak Mortgage Inc. is a leading player in the residential mortgage industry, specializing in the origination and servicing of non-qualified mortgage (non-QM) loans designed for a diverse borrower base. Leveraging advanced technology and data analytics, the company enhances operational efficiency while effectively managing risk, distinguishing itself in a competitive market. Through a strategic distribution model that combines direct lending with broker partnerships, Angel Oak demonstrates agility in navigating market dynamics and addressing evolving consumer requirements. With a strong focus on innovation and sustainable growth, the company represents a compelling investment opportunity for institutional investors seeking robust returns in the housing finance sector.
Starwood Property Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.
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