WallStSmart

CTO Realty Growth Inc (CTO)vsWelltower Inc (WELL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Welltower Inc generates 7823% more annual revenue ($12.76B vs $161.10M). CTO leads profitability with a 32.6% profit margin vs 12.1%. CTO trades at a lower P/E of 15.0x. CTO earns a higher WallStSmart Score of 62/100 (C+).

CTO

Buy

62

out of 100

Grade: C+

Growth: 9.3Profit: 7.0Value: 7.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.08

WELL

Buy

57

out of 100

Grade: C

Growth: 10.0Profit: 5.5Value: 2.0Quality: 5.0
Piotroski: 4/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CTOUndervalued (+87.2%)

Margin of Safety

+87.2%

Fair Value

$144.13

Current Price

$20.71

$123.42 discount

UndervaluedFair: $144.13Overvalued
WELLSignificantly Overvalued (-87.0%)

Margin of Safety

-87.0%

Fair Value

$125.97

Current Price

$235.62

$109.65 premium

UndervaluedFair: $125.97Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CTO6 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

EPS GrowthGrowth
1200.0%10/10

Earnings expanding 1200.0% YoY

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
25.4%8/10

Strong operational efficiency at 25.4%

Revenue GrowthGrowth
16.5%8/10

16.5% revenue growth

WELL3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
39.1%10/10

Revenue surging 39.1% year-over-year

Market CapQuality
$169.78B9/10

Large-cap with strong market position

EPS GrowthGrowth
35.6%8/10

Earnings expanding 35.6% YoY

Areas to Watch

CTO4 concerns · Avg: 2.8/10
Market CapQuality
$776.32M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Debt/EquityHealth
1.043/10

Elevated debt levels

Free Cash FlowQuality
$-32.78M2/10

Negative free cash flow — burning cash

WELL4 concerns · Avg: 2.3/10
Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

PEG RatioValuation
3.622/10

Expensive relative to growth rate

P/E RatioValuation
105.2x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CTO

The strongest argument for CTO centers on Price/Book, Profit Margin, EPS Growth. Profitability is solid with margins at 32.6% and operating margin at 25.4%. Revenue growth of 16.5% demonstrates continued momentum.

Bull Case : WELL

The strongest argument for WELL centers on Revenue Growth, Market Cap, EPS Growth. Revenue growth of 39.1% demonstrates continued momentum.

Bear Case : CTO

The primary concerns for CTO are Market Cap, Return on Equity, Debt/Equity.

Bear Case : WELL

The primary concerns for WELL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 105.2x leaves little room for execution misses.

Key Dynamics to Monitor

WELL carries more volatility with a beta of 0.76 — expect wider price swings.

WELL is growing revenue faster at 39.1% — sustainability is the question.

WELL generates stronger free cash flow (881M), providing more financial flexibility.

Monitor REIT - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CTO scores higher overall (62/100 vs 57/100), backed by strong 32.6% margins and 16.5% 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.

CTO Realty Growth Inc

REAL ESTATE · REIT - DIVERSIFIED · USA

CTO Realty Growth, Inc. is a Florida-based publicly traded real estate company owning approximately 2 income properties.

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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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