ARMOUR Residential REIT Inc (ARR)vsAnnaly Capital Management, Inc. (NLY)
ARR
ARMOUR Residential REIT Inc
$16.32
-0.55%
REAL ESTATE · Cap: $2.37B
NLY
Annaly Capital Management, Inc.
$23.06
+0.87%
REAL ESTATE · Cap: $17.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 563% more annual revenue ($3.25B vs $490.69M). NLY leads profitability with a 90.7% profit margin vs 87.8%. ARR appears more attractively valued with a PEG of 2.97. ARR earns a higher WallStSmart Score of 80/100 (B+).
ARR
Strong Buy80
out of 100
Grade: B+
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ARR.
Margin of Safety
-8.7%
Fair Value
$20.98
Current Price
$23.06
$2.08 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 88 of every $100 in revenue as profit
Strong operational efficiency at 87.0%
Revenue surging 126.1% year-over-year
Earnings expanding 23.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 91 of every $100 in revenue as profit
Strong operational efficiency at 91.6%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ARR
The strongest argument for ARR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 87.8% and operating margin at 87.0%. Revenue growth of 126.1% demonstrates continued momentum.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 90.7% and operating margin at 91.6%. Revenue growth of 479.4% demonstrates continued momentum.
Bear Case : ARR
The primary concerns for ARR are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 7.54 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 7.38 is elevated, increasing financial risk.
Key Dynamics to Monitor
ARR carries more volatility with a beta of 1.34 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
NLY generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ARR scores higher overall (80/100 vs 77/100), backed by strong 87.8% margins and 126.1% revenue growth. Both earn "Strong Buy" and "Strong 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.
ARMOUR Residential REIT Inc
REAL ESTATE · REIT - MORTGAGE · USA
ARMOR Residential REIT, Inc. invests in residential mortgage-backed securities (MBS) in the United States. The company is headquartered in Vero Beach, Florida.
Annaly Capital Management, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company is headquartered in New York, New York.
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