Annaly Capital Management, Inc. (NLY)vsRithm Capital Corp. (RITM)
NLY
Annaly Capital Management, Inc.
$21.31
+1.24%
REAL ESTATE · Cap: $16.06B
RITM
Rithm Capital Corp.
$9.55
+2.14%
REAL ESTATE · Cap: $5.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Rithm Capital Corp. generates 33% more annual revenue ($4.32B vs $3.25B). NLY leads profitability with a 90.7% profit margin vs 10.8%. NLY trades at a lower P/E of 5.2x. NLY earns a higher WallStSmart Score of 77/100 (B+).
NLY
Strong Buy77
out of 100
Grade: B+
RITM
Hold49
out of 100
Grade: D+
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
+83.3%
Fair Value
$64.19
Current Price
$9.55
$54.64 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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Earnings declined 93.2%
Distress zone — elevated risk
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 : RITM
The strongest argument for RITM centers on Price/Book, P/E Ratio.
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 : RITM
The primary concerns for RITM are Piotroski F-Score, EPS Growth, Altman Z-Score. Debt-to-equity of 4.72 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY profiles as a growth stock while RITM is a value 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 49/100), backed by strong 90.7% margins and 479.4% revenue growth. RITM offers better value entry with a 83.3% 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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