Annaly Capital Management, Inc. (NLY)vsPennyMac Mortgage Investment Trust (PMT)
NLY
Annaly Capital Management, Inc.
$21.31
+1.24%
REAL ESTATE · Cap: $16.06B
PMT
PennyMac Mortgage Investment Trust
$9.01
+1.46%
REAL ESTATE · Cap: $812.73M
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 376% more annual revenue ($3.25B vs $684.41M). NLY leads profitability with a 90.7% profit margin vs 24.3%. PMT appears more attractively valued with a PEG of 0.76. NLY earns a higher WallStSmart Score of 77/100 (B+).
NLY
Strong Buy77
out of 100
Grade: B+
PMT
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-8.8%
Fair Value
$20.96
Current Price
$21.31
$0.35 premium
Margin of Safety
+77.6%
Fair Value
$55.24
Current Price
$9.01
$46.23 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PMT
The strongest argument for PMT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.3% and operating margin at 10.9%. PEG of 0.76 suggests the stock is reasonably priced for its growth.
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.
Bear Case : PMT
The primary concerns for PMT are Market Cap, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 12.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY profiles as a growth stock while PMT is a mature play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.24 — 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.
Bottom Line
NLY scores higher overall (77/100 vs 66/100), backed by strong 90.7% margins and 479.4% revenue growth. PMT offers better value entry with a 77.6% margin of safety. 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.
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.
Visit Website →PennyMac Mortgage Investment Trust
REAL ESTATE · REIT - MORTGAGE · USA
PennyMac Mortgage Investment Trust, a specialty finance company, invests primarily in mortgage-related assets in the United States. The company is headquartered in Westlake Village, California.
Visit Website →Compare with Other REIT - MORTGAGE Stocks
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