WallStSmart

Ladder Capital Corp Class A (LADR)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

LADR leads profitability with a 24.0% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. LADR earns a higher WallStSmart Score of 54/100 (C-).

LADR

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 6.5Value: 4.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.25

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LADRSignificantly Overvalued (-22.5%)

Margin of Safety

-22.5%

Fair Value

$8.61

Current Price

$9.45

$0.84 premium

UndervaluedFair: $8.61Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LADR3 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.0%9/10

Keeps 24 of every $100 in revenue as profit

Operating MarginProfitability
28.2%8/10

Strong operational efficiency at 28.2%

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

Areas to Watch

LADR4 concerns · Avg: 3.5/10
PEG RatioValuation
1.894/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.2%4/10

2.2% revenue growth

Market CapQuality
$1.20B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.8%3/10

ROE of 3.8% — below average capital efficiency

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : LADR

The strongest argument for LADR centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 28.2%.

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bear Case : LADR

The primary concerns for LADR are PEG Ratio, Revenue Growth, Market Cap. Debt-to-equity of 2.80 is elevated, increasing financial risk.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Key Dynamics to Monitor

LADR is growing revenue faster at 2.2% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

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

Bottom Line

LADR scores higher overall (54/100 vs 25/100), backed by strong 24.0% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Ladder Capital Corp Class A

REAL ESTATE · REIT - MORTGAGE · USA

Ladder Capital Corp is a real estate investment trust in the United States. The company is headquartered in New York, New York.

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AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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