Annaly Capital Management, Inc. (NLY)vsRithm Capital Corp. (RITM)
NLY
Annaly Capital Management, Inc.
$23.04
+1.68%
REAL ESTATE · Cap: $17.12B
RITM
Rithm Capital Corp.
$10.19
+2.52%
REAL ESTATE · Cap: $5.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Rithm Capital Corp. generates 27% more annual revenue ($4.14B vs $3.25B). NLY leads profitability with a 90.7% profit margin vs 11.2%. 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+
RITM
Hold45
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
Margin of Safety
+82.9%
Fair Value
$62.41
Current Price
$10.19
$52.22 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
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Revenue declined 10.0%
Earnings declined 93.2%
Distress zone — elevated risk
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 : RITM
The strongest argument for RITM centers on P/E Ratio, Price/Book.
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 : RITM
The primary concerns for RITM are Piotroski F-Score, Revenue Growth, EPS Growth. Debt-to-equity of 4.62 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY profiles as a growth stock while RITM 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.
RITM generates stronger free cash flow (254M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 45/100), backed by strong 90.7% margins and 479.4% revenue growth. RITM offers better value entry with a 82.9% margin of safety. 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 →Rithm Capital Corp.
REAL ESTATE · REIT - MORTGAGE · USA
Rhythm Capital Corp. The company is headquartered in New York, New York.
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