Annaly Capital Management, Inc. (NLY)vsChicago Atlantic Real Estate Finance Inc (REFI)
NLY
Annaly Capital Management, Inc.
$23.04
+1.68%
REAL ESTATE · Cap: $17.12B
REFI
Chicago Atlantic Real Estate Finance Inc
$10.27
+1.78%
REAL ESTATE · Cap: $216.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 6431% more annual revenue ($3.25B vs $49.83M). NLY leads profitability with a 90.7% profit margin vs 61.8%. NLY trades at a lower P/E of 5.5x. NLY earns a higher WallStSmart Score of 77/100 (B+).
NLY
Strong Buy77
out of 100
Grade: B+
REFI
Hold48
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-8.7%
Fair Value
$20.99
Current Price
$23.04
$2.05 premium
Intrinsic value data unavailable for REFI.
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 62 of every $100 in revenue as profit
Strong operational efficiency at 54.3%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 34.2%
Earnings declined 51.1%
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 : REFI
The strongest argument for REFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 61.8% and operating margin at 54.3%.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.38 is elevated, increasing financial risk.
Bear Case : REFI
The primary concerns for REFI are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
NLY profiles as a growth stock while REFI is a declining 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.
REFI generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 48/100), backed by strong 90.7% margins and 479.4% revenue growth. Both earn "Strong 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.
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 →Chicago Atlantic Real Estate Finance Inc
REAL ESTATE · REIT - MORTGAGE · USA
Chicago Atlantic Real Estate Finance Inc. is a focused Real Estate Investment Trust (REIT) dedicated to delivering innovative financing to the burgeoning cannabis sector. By employing a strategic portfolio management approach and leveraging extensive industry expertise, the company aims to seize lucrative growth opportunities in this specialized market. Chicago Atlantic emphasizes rigorous risk management and regulatory compliance, allowing it to provide attractive risk-adjusted returns while maximizing shareholder value. With a robust leadership team at the helm, the firm is well-positioned to navigate the complexities of this evolving landscape and ensure sustained success for its investors.
Compare with Other REIT - MORTGAGE Stocks
Want to dig deeper into these stocks?