Annaly Capital Management, Inc. (NLY)vsRithm Capital Corp. (RITM)
NLY
Annaly Capital Management, Inc.
$21.24
+2.14%
REAL ESTATE · Cap: $14.94B
RITM
Rithm Capital Corp.
$9.04
+3.08%
REAL ESTATE · Cap: $4.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Rithm Capital Corp. generates 59% more annual revenue ($3.78B vs $2.38B). NLY leads profitability with a 85.1% profit margin vs 18.4%. NLY trades at a lower P/E of 7.1x. NLY earns a higher WallStSmart Score of 75/100 (B).
NLY
Strong Buy75
out of 100
Grade: B
RITM
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.3%
Fair Value
$136.66
Current Price
$21.23
$115.42 discount
Margin of Safety
-51.3%
Fair Value
$7.07
Current Price
$9.04
$1.97 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Revenue declined 8.3%
Earnings declined 81.0%
Negative free cash flow — burning cash
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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bull Case : RITM
The strongest argument for RITM centers on P/E Ratio, Price/Book. Profitability is solid with margins at 18.4% and operating margin at 19.2%.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Bear Case : RITM
The primary concerns for RITM are Piotroski F-Score, Revenue Growth, EPS Growth.
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 1.30 — expect wider price swings.
NLY is growing revenue faster at 113.9% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (75/100 vs 51/100), backed by strong 85.1% margins and 113.9% revenue growth. Both earn "Strong Buy" and "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 →Rithm Capital Corp.
REAL ESTATE · REIT - MORTGAGE · USA
Rhythm Capital Corp. The company is headquartered in New York, New York.
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