WallStSmart

Angel Oak Mortgage Inc (AOMR)vsWelltower Inc (WELL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Welltower Inc generates 19192% more annual revenue ($11.77B vs $60.99M). AOMR leads profitability with a 72.2% profit margin vs 12.0%. AOMR trades at a lower P/E of 5.0x. WELL earns a higher WallStSmart Score of 57/100 (C).

AOMR

Buy

57

out of 100

Grade: C

Growth: 2.0Profit: 8.0Value: 8.3Quality: 5.0

WELL

Buy

57

out of 100

Grade: C

Growth: 10.0Profit: 5.5Value: 2.0Quality: 6.5
Piotroski: 4/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AOMRUndervalued (+49.4%)

Margin of Safety

+49.4%

Fair Value

$17.63

Current Price

$9.03

$8.60 discount

UndervaluedFair: $17.63Overvalued
WELLSignificantly Overvalued (-58.0%)

Margin of Safety

-58.0%

Fair Value

$131.57

Current Price

$217.34

$85.77 premium

UndervaluedFair: $131.57Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AOMR4 strengths · Avg: 10.0/10
P/E RatioValuation
5.0x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
72.2%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
69.1%10/10

Strong operational efficiency at 69.1%

WELL3 strengths · Avg: 9.7/10
Revenue GrowthGrowth
38.3%10/10

Revenue surging 38.3% year-over-year

EPS GrowthGrowth
162.6%10/10

Earnings expanding 162.6% YoY

Market CapQuality
$153.42B9/10

Large-cap with strong market position

Areas to Watch

AOMR3 concerns · Avg: 2.3/10
Market CapQuality
$225.98M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-60.6%2/10

Revenue declined 60.6%

EPS GrowthGrowth
-64.3%2/10

Earnings declined 64.3%

WELL4 concerns · Avg: 2.3/10
Return on EquityProfitability
3.7%3/10

ROE of 3.7% — below average capital efficiency

PEG RatioValuation
3.662/10

Expensive relative to growth rate

P/E RatioValuation
105.5x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AOMR

The strongest argument for AOMR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 72.2% and operating margin at 69.1%.

Bull Case : WELL

The strongest argument for WELL centers on Revenue Growth, EPS Growth, Market Cap. Revenue growth of 38.3% demonstrates continued momentum.

Bear Case : AOMR

The primary concerns for AOMR are Market Cap, Revenue Growth, EPS Growth.

Bear Case : WELL

The primary concerns for WELL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 105.5x leaves little room for execution misses.

Key Dynamics to Monitor

AOMR profiles as a declining stock while WELL is a growth play — different risk/reward profiles.

AOMR carries more volatility with a beta of 1.27 — expect wider price swings.

WELL is growing revenue faster at 38.3% — sustainability is the question.

WELL generates stronger free cash flow (647M), providing more financial flexibility.

Bottom Line

AOMR scores higher overall (57/100 vs 57/100), backed by strong 72.2% margins. 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.

Angel Oak Mortgage Inc

REAL ESTATE · REIT - MORTGAGE · USA

Angel Oak Mortgage Inc. is a leading entity in the residential mortgage sector, specializing in the origination and servicing of non-qualified mortgage (non-QM) loans, thereby meeting the diverse financing needs of an expansive borrower base. The company stands out for its innovative approach, leveraging advanced technology and data analytics to optimize operational efficiency and risk management. With a comprehensive distribution strategy that combines direct lending and broker partnerships, Angel Oak is well-equipped to navigate shifting market trends and consumer demands. As a forward-thinking player in housing finance, it is strategically positioned for sustainable growth and aims to deliver compelling returns to institutional investors.

Welltower Inc

REAL ESTATE · REIT - HEALTHCARE FACILITIES · USA

Welltower Inc. is a real estate investment trust that invests in healthcare infrastructure.

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