WallStSmart

New York Mortgage Trust Inc (NYMT)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates 191% more annual revenue ($597.28M vs $205.40M). STWD leads profitability with a 38.2% profit margin vs 30.3%. NYMT appears more attractively valued with a PEG of 0.97. NYMT earns a higher WallStSmart Score of 67/100 (B-).

NYMT

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 6.5Value: 5.7Quality: 3.8
Piotroski: 4/9Altman Z: 0.49

STWD

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.7Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NYMT.

STWDUndervalued (+84.8%)

Margin of Safety

+84.8%

Fair Value

$118.70

Current Price

$15.62

$103.08 discount

UndervaluedFair: $118.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NYMT4 strengths · Avg: 9.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.3%10/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
39.8%10/10

Revenue surging 39.8% year-over-year

PEG RatioValuation
0.978/10

Growing faster than its price suggests

STWD2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.2%10/10

Keeps 38 of every $100 in revenue as profit

Areas to Watch

NYMT4 concerns · Avg: 3.0/10
P/E RatioValuation
37.4x4/10

Premium valuation, high expectations priced in

Market CapQuality
$642.13M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.5%3/10

ROE of 4.5% — below average capital efficiency

EPS GrowthGrowth
-65.3%2/10

Earnings declined 65.3%

STWD4 concerns · Avg: 3.5/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

P/E RatioValuation
26.9x4/10

Moderate valuation

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : NYMT

The strongest argument for NYMT centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 30.3% and operating margin at 18.2%. Revenue growth of 39.8% demonstrates continued momentum.

Bull Case : STWD

The strongest argument for STWD centers on Price/Book, Profit Margin. Profitability is solid with margins at 38.2% and operating margin at -5.9%. Revenue growth of 13.4% demonstrates continued momentum.

Bear Case : NYMT

The primary concerns for NYMT are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 2.91 is elevated, increasing financial risk.

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 3.65 is elevated, increasing financial risk.

Key Dynamics to Monitor

NYMT profiles as a growth stock while STWD is a mature play — different risk/reward profiles.

NYMT carries more volatility with a beta of 1.39 — expect wider price swings.

NYMT is growing revenue faster at 39.8% — sustainability is the question.

NYMT generates stronger free cash flow (37M), providing more financial flexibility.

Bottom Line

NYMT scores higher overall (67/100 vs 49/100), backed by strong 30.3% margins and 39.8% revenue growth. STWD offers better value entry with a 84.8% 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.

New York Mortgage Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

New York Mortgage Trust, Inc. acquires, invests, finances and manages single-family and multi-family mortgage-related residential assets in the United States. The company is headquartered in New York, New York.

Starwood Property Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.

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