WallStSmart

Apollo Commercial Real Estate Finance Inc (ARI)vsStarwood Property Trust Inc (STWD)

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Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates 116% more annual revenue ($580.84M vs $268.48M). STWD leads profitability with a 60.5% profit margin vs 47.3%. ARI appears more attractively valued with a PEG of 1.33. ARI earns a higher WallStSmart Score of 66/100 (B-).

ARI

Strong Buy

66

out of 100

Grade: B-

Growth: 4.0Profit: 7.0Value: 7.0Quality: 3.0
Piotroski: 4/9Altman Z: 0.23

STWD

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 7.3Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for ARI.

STWDUndervalued (+84.6%)

Margin of Safety

+84.6%

Fair Value

$116.99

Current Price

$16.66

$100.33 discount

UndervaluedFair: $116.99Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ARI4 strengths · Avg: 10.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
47.3%10/10

Keeps 47 of every $100 in revenue as profit

Operating MarginProfitability
41.4%10/10

Strong operational efficiency at 41.4%

STWD4 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
60.5%10/10

Keeps 61 of every $100 in revenue as profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
21.8%8/10

Revenue surging 21.8% year-over-year

Areas to Watch

ARI4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$900.92M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

STWD4 concerns · Avg: 3.0/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-60.4%2/10

Earnings declined 60.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : ARI

The strongest argument for ARI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 47.3% and operating margin at 41.4%. PEG of 1.33 suggests the stock is reasonably priced for its growth.

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 : ARI

The primary concerns for ARI are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 4.50 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

ARI profiles as a value stock while STWD is a growth play — different risk/reward profiles.

ARI carries more volatility with a beta of 1.41 — expect wider price swings.

STWD is growing revenue faster at 21.8% — sustainability is the question.

ARI generates stronger free cash flow (-271,000), providing more financial flexibility.

Bottom Line

ARI scores higher overall (66/100 vs 59/100), backed by strong 47.3% margins. STWD offers better value entry with a 84.6% margin of safety. Both earn "Strong 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.

Apollo Commercial Real Estate Finance Inc

REAL ESTATE · REIT - MORTGAGE · USA

Apollo Commercial Real Estate Finance, Inc. is a real estate investment trust (REIT) that originates, acquires, invests, and manages commercial first mortgage loans, subordinated financings, and other real estate-related commercial debt investments in the United States. . The company is headquartered in New York, New York.

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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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