WallStSmart

KKR Real Estate Finance Trust Inc (KREF)vsRithm Capital Corp. (RITM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Rithm Capital Corp. generates -6060% more annual revenue ($4.32B vs $-72.42M). RITM leads profitability with a 10.8% profit margin vs 0.0%. KREF earns a higher WallStSmart Score of 50/100 (C-).

KREF

Buy

50

out of 100

Grade: C-

Growth: 5.3Profit: 4.5Value: 4.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.20

RITM

Hold

49

out of 100

Grade: D+

Growth: 6.0Profit: 5.5Value: 7.7Quality: 3.5
Piotroski: 2/9Altman Z: 0.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for KREF.

RITMUndervalued (+83.1%)

Margin of Safety

+83.1%

Fair Value

$63.34

Current Price

$9.27

$54.07 discount

UndervaluedFair: $63.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KREF3 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
135.8%10/10

Strong operational efficiency at 135.8%

Revenue GrowthGrowth
245.1%10/10

Revenue surging 245.1% year-over-year

RITM2 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Areas to Watch

KREF4 concerns · Avg: 2.8/10
Market CapQuality
$337.41M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.132/10

Expensive relative to growth rate

RITM3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-93.2%2/10

Earnings declined 93.2%

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : KREF

The strongest argument for KREF centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 245.1% demonstrates continued momentum.

Bull Case : RITM

The strongest argument for RITM centers on Price/Book, P/E Ratio.

Bear Case : KREF

The primary concerns for KREF are Market Cap, Profit Margin, Piotroski F-Score. Debt-to-equity of 4.63 is elevated, increasing financial risk.

Bear Case : RITM

The primary concerns for RITM are Piotroski F-Score, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

KREF profiles as a hypergrowth stock while RITM is a value play — different risk/reward profiles.

RITM carries more volatility with a beta of 1.16 — expect wider price swings.

KREF is growing revenue faster at 245.1% — sustainability is the question.

RITM generates stronger free cash flow (172M), providing more financial flexibility.

Bottom Line

KREF scores higher overall (50/100 vs 49/100) and 245.1% revenue growth. RITM offers better value entry with a 83.1% margin of safety. 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.

KKR Real Estate Finance Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

KKR Real Estate Finance Trust Inc., a mortgage real estate investment trust, focuses primarily on originating and acquiring senior loans secured by commercial real estate (CRE) assets. The company is headquartered in New York, New York.

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Rithm Capital Corp.

REAL ESTATE · REIT - MORTGAGE · USA

Rhythm Capital Corp. The company is headquartered in New York, New York.

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